H-E-B Debit 6.7.1

Account opening is subject to registration and ID verification.

Introducing The H-E-B® Debit Account, a reliable payment option backed by a trusted Texas company established in 1905. Here are some key benefits:

• Earn 5% cash back on H-E-B brand products² when using the H-E-B Debit card.
• No monthly fee to maintain your account.
• Need a little extra? With qualifying Direct Deposit, our Purchase Cushion³ can cover you up to $20 for temporary shortages (resolve negative balances within 30 days by adding funds).
• Access funds up to 2 days faster⁴ with Direct Deposit.
• Withdraw cash for free at H-E-B ATMs⁵.
• Add funds to your account at no cost⁶ at the H-E-B Customer Service Center or checkout.

To learn more, please visit hebdebit.com.

1. ID verification required. We will ask for your name, address, date of birth, and government ID number. We may also request to see a copy of your driver's license or other documents at any time. 2. The 5% cash back offer only applies to H-E-B brand products purchased at H-E-B owned stores or on heb.com using the H-E-B Debit Card issued by Pathward, National Association. Cash back is limited to the amount of the purchase made with the H-E-B Debit Card. It is not valid for online purchases at Central Market®, Mi Tienda®, Joe V's Smart Shop®, or through Favor®. No cash back is offered 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 the qualifying purchase. This cash back offer is provided by H-E-B. Pathward, N.A., Mastercard, and Netspend are not sponsors of or affiliated with this offer. 3. The $20 Purchase Cushion is not an extension of credit. To be eligible, you must have received qualifying Direct Deposits totaling at least $500.00 from paychecks and/or government benefits payments within one calendar month. See the Deposit Account Agreement for more details. 4. The claim of faster funds availability is based on the policy of Pathward, National Association, to make funds available upon receipt of payment instruction compared to the typical banking practice of posting funds at settlement. Availability of funds may be delayed with or without notice due to fraud prevention restrictions. Early availability of funds is subject to the payor's support of direct deposit and the timing of their payment instructions. 5. ATM withdrawals at H-E-B branded ATMs (in-network ATMs) within the US are free. Please refer to your Online Account Center for a list of in-network ATMs. Transactions made at non-H-E-B branded ATMs will incur a fee of $2.95, with additional charges potentially assessed by the ATM operator. 6. No fee is charged for adding funds to your H-E-B® Debit Account at participating H-E-B locations. For more information and details about potential additional fees, please consult the Deposit Agreement.

The H-E-B® Debit deposit account and H-E-B Debit Card are established by Pathward, N.A., member FDIC, pursuant to a license from Mastercard International Incorporated. 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.

The card can be used wherever Debit Mastercard is accepted.

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