Your funds on deposit are FDIC insured up to $250,000 through your issuing bank, subject to aggregation of all funds held on deposit.
1 Faster funding claim is based on a comparison of Pathward™, National Association, policy of making funds available upon receipt of payment instruction versus the typical banking practice of posting funds at settlement. Fraud prevention restrictions may delay availability of funds with or without notice. Early availability of funds requires payor’s support of direct deposit and is subject to the timing of payor's payment instruction.
2 5% cash back applies only to H‑E‑B brand products purchased at a store register at H‑E‑B owned stores, or on heb.com using your H‑E‑B Debit Card issued by Pathward, National Association. 5% cash back is limited to the amount of the purchase paid for using your H‑E‑B Debit Card. Not valid for online purchases at Central Market®, Mi Tienda®, Joe V's Smart Shop®, or through Favor®. No cash back for pharmacy prescriptions, gift cards, restaurants, fuel, car washes, purchases made on the H‑E‑B Go app or at H‑E‑B Go kiosks, or purchases at mobile point-of-sale systems deployed in store. Cash back will be credited to your available balance within 7 business days after applicable purchase. Cash back offer by H‑E‑B. Pathward, N.A., Mastercard, and Netspend do not sponsor, and are not affiliated with the offer.
3 The $20 Purchase Cushion is not an extension of credit. To be eligible, Accountholder must have received qualifying Direct Deposits of paychecks and/or government benefits payments totaling at least $500.00 within one (1) calendar month. See the Deposit Account Agreement for details.
4 The Optional Savings Account linked to your H‑E‑B® Debit Account is made available to Accountholders through Pathward, N.A., Member FDIC. To open a Savings Account, consent to receive communications from us in electronic form is required. Interest is calculated on the Average Daily Balance(s) of the Savings Account and is paid quarterly.
- If the Average Daily Balance is $2,000.00 or less, the interest rate paid on the entire balance will be 5.87% with an annual percentage yield (APY) of 6.00%.
- If the Average Daily Balance is more than $2,000.00, the interest rate paid on the portion of the Average Daily Balance which exceeds $2,000.00 will be .49% with an APY of .50%, and the interest paid on the portion of the Average Daily Balance which is $2,000.00 or less will be 5.87%. The APY for this tier will range from 6.00% to .60%, depending on the balance in the account.
The interest rates and APYs of each tier may change. The APYs were accurate as of. No minimum balance to open Savings Account or obtain the yield(s). Savings Account funds are withdrawn through the H‑E‑B Debit Account (maximum 6 such transfers per calendar month) and transaction fees could reduce the interest earned on the Savings Account. Funds on deposit are FDIC insured through Pathward, N.A. For purposes of FDIC coverage, all funds held on deposit by you at Pathward, N.A., will be aggregated up to the coverage limit, currently $250,000.00.
5 Free ATM withdrawals at H‑E‑B branded ATMs ("in-network ATMs") in the US. Visit your Online Account Center for a list of in-network ATMs. Transactions at all non-H‑E‑B branded ATMs are $2.95, operator may assess additional charges.
6 While this specific feature is available at no cost, certain other transaction fees and costs, terms, and conditions are associated with the use of this Account. See the Deposit Account Agreement or Online Account Center for more details.
7 Fees and limits apply. Fund transfer typically within minutes, but may take up to two business days in certain circ*mstances.
8 Bank Transfer is a money transfer service provided by Netspend Corporation (NMLS# 906983). See netspend.com/licenses.
9 There is no fee to add funds at participating H‑E‑B locations for the H‑E‑B® Debit Account. See the Deposit Agreement for details and additional fees.
10 Mobile Check Capture is a service provided by First Century Bank, N.A. and Ingo Money, Inc., subject to the First Century Bank and Ingo Money Terms and Conditions, and Privacy Policy. Approval review usually takes 3 to 5 minutes but can take up to one hour. All checks are subject to approval for funding in Ingo Money’s sole discretion. Fees apply for approved Money in Minutes transactions funded to your account. Unapproved checks will not be funded to your account. Ingo Money reserves the right to recover losses resulting from illegal or fraudulent use of the Ingo Money Service. Your wireless carrier may charge a fee for message and data usage. Additional transaction fees, costs, terms and conditions may be associated with the funding and use of your account. See your Deposit Account Agreement for details. Mobile Check Capture service is not available for use within the state of New York.
11 No charge for this service, but your wireless carrier may charge for messages or data.
12 Mastercard, Pathward, National Association and Netspend® are neither licensed insurers nor licensed insurance intermediaries, and do not sell solicit, nor provide advice on insurance products. The insurance benefits are provided under a group policy issued by New Hampshire Insurance Company, an AIG company. Benefits are provided to you, the H‑E‑B® Debit Account cardholder, at no additional charge; provided, however, you are required to pay your monthly cell phone bill on an eligible cellular phone with your H‑E‑B® Debit Account card to be eligible for coverage. Non-insurance services may have associated costs, which will be your responsibility. Any insurance claim filed pursuant to your Mastercard sponsored insurance program by calling 1-844-878-1906 will be evaluated by AIG, or their authorized local representative, and, if accepted, will be paid by AIG. Coverage is determined by the terms, conditions and exclusions of the policies applicable to your H‑E‑B® Debit Account card, as specified by the underwriter, and is subject to change with notice. This site does not supplement or replace the policy or Program Terms. Submission of a claim does not guarantee coverage or coverage availability.
13 Mastercard®, Pathward, National Association and Netspend®, are neither licensed insurers nor licensed insurance intermediaries, and do not sell, solicit, nor provide advice on insurance products. The insurance benefits are provided under a group policy issued by New Hampshire Insurance Company, an AIG company. Benefits are provided to you, the H‑E‑B® Debit cardholder, at no additional charge. Non-insurance services may have associated costs, which will be your responsibility. Any insurance claim filed pursuant to your Mastercard sponsored insurance program by calling 1-844-878-1906 will be evaluated by AIG, or their authorized local representative, and, if accepted, will be paid by AIG. Coverage is determined by the terms, conditions, and exclusions of the policies applicable to your H‑E‑B Debit Account card, as specified by the underwriter, and is subject to change with notice. The site does not supplement or replace the policy or Program Terms. Submission of a claim does not guarantee coverage or coverage availability.
14 Call 866-470-5491 or visit https://benefitscenter.idprotectiononline.com to activate the ID Theft Protection Services. The services are provided to you, the H‑E‑B® Debit Account cardholder, at no additional cost, but you must activate. Service provided by Generali Global Assistance, through an agreement with Mastercard® and Pathward, National Association, See your Guide to Benefits for terms and conditions and your Online Account Center for more details.
The H‑E‑B Debit deposit account and H‑E‑B Debit Card are established by Pathward, National Association, Member FDIC, pursuant to license by Mastercard International Incorporated. Netspend is a service provider to Pathward, N.A. Certain products and services may be licensed under U.S. Patent Nos. 6,000,608 and 6,189,787.
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Card may be used everywhere Debit Mastercard is accepted.
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