Frequently Asked Questions | H-E-B Debit Card (2024)

1 IMPORTANT INFORMATION FOR OPENING A NEW DEPOSIT ACCOUNT: To help the federal government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires us to obtain, verify, and record information that identifies each person who opens an Account. WHAT THIS MEANS FOR YOU: When you open an Account, we will ask for your name, address, date of birth, and your government ID number. We may also ask to see a copy of your driver’s license or other documents at any time. All Accounts are opened subject to our ability to verify your identity by requiring acceptable types of identification. We may validate the information you provide us to ensure we have a reasonable belief of your identity. If we are not able to verify your identity to our satisfaction, we will not open your Account or we may close the Account if it was previously funded. Your Account is subject to fraud prevention restrictions at any time, with or without notice.

2 Faster funding claim is based on a comparison of the 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.

3 The optional Savings Account linked to your H‑E‑B Debit Account is made available to Accountholders through Pathward, National Association, Member FDIC. 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 2/01/21. There is no minimum balance to open the 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 Savings Account funds are withdrawn through the H‑E‑B Debit Account (maximum 6 such transfers per calendar month) and transaction fees could reduce the interest earned on the savings account.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.

4 No fee for direct deposit services or 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.

5 The Netspend Network is provided by Netspend Corporation and its authorized agents. Netspend is a licensed provider of money transfer services (NMLS ID: 932678). Netspend's licenses and related information may be found at www.netspend.com/licenses. Fees, limits, and other restrictions may be imposed by Netspend and other third parties in connection with use of the Netspend Network.

6 Fees for bank transfers are determined by the transferor's bank and may be charged to the transferor's bank account by the service provider or originating bank. No cost for online or mobile Account-to-Account transfers between Netspend Accountholders; a $4.95 fee applies to each such transfer conducted through a Netspend Customer Service agent.

7 Faster access claim is based on comparison of a disbursem*nt via direct deposit vs. disbursem*nt via a mailed paper check. For up-to-date information from the IRS, visit www.irs.gov/refunds.

8 No charge for this service, but your wireless carrier may charge for messages or data.

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.

Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

Card may be used everywhere Debit Mastercard is accepted.

©Netspend Corporation. All rights reserved worldwide. Netspend is the federally registered U.S. service mark of Netspend Corporation. All other trademarks and service marks belong to their owners.

Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc., registered in the U.S. and other countries.

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Frequently Asked Questions | H-E-B Debit Card (2024)
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