Please note that this page is outdated and maintained for archival purposes only. However, the overall Editor’s rating above is still updated.
Also, be sure to read consumer comments below. New consumer reviews of the HEB prepaid debit card (by folks like you) are still encouraged! You can view our current prepaid card reviews here.
Welcome to our site! Our editors have been covering the credit and debit card space for a total of 30+ years and we are proud to have been featured by the Wall Street Journal, CNN, etc.
Unlike almost all card comparison sites that only list cards that advertise with them, 95% of the cards on our site don’t pay us a dime. This site is powered by consumers like you! 🙂
We are big fans of this card and have historically rated it with 4.5 stars due to low fees. This card makes the most sense for consumers that already do their grocery shopping at HEB.
The H-E-B Prepaid Debit Mastercard Benefits:
- Affiliated with HEB grocery chain
- No credit check
- No minimum balance required
- Free reloads at H-E-B: Take your cash and reloadable card to the register of any H-E-B store or reload at the Business Center (customer service).
- Offers a MasterCard, not a Visa
How to File a Complaint Against the H-E-B Prepaid MasterCard:
If you have contacted Pathward™, N.A (issuer of HEB) and are unable to resolve your account issues in good faith, we strongly suggest taking the following steps:
1) Please post your account issues and problems at the bottom of this page in our cardholder comments section.
2) Notify HEB customer service (ask to speak to a manager or decision maker) that you have complained in writing on BestPrepaidDebitCards.com (feel free to take a screen shot), a consumer advocacy site that has been featured for years in many major national media outlets.
Also, feel free to share that your post can be shared by our site with members of the media (we will change your name to protect your privacy and will certainly not share any personal account info).
3) Consider also filing your grievance with the BBB and Consumer Financial Protection Bureau and your state’s Attorney General Office.
4) Please post any updates to your problem after taking these steps as sharing your experiences will help educate and empower other consumers! 🙂
Important Consumer Note!
The HEB reloadable MC does NOT help you improve your credit. 🙁
Consumer Reviews and Ratings of HEB Prepaid Debit Card:
Kimberly
TERRIBLE EXPERIENCE with the HEB Debit Card. I applied for the card and transferred $200.00 from my checking account on May 25th, 2023. At the end of June, after a month had passed and I didn’t receive the card, I contacted customer service and was told that the card was not sent due to an elevated threat of fraud, or something of that nature. I have no idea what that meant and the customer service representative was unable to elaborate.
When I asked to have my $200 transferred back to my checking account I was informed that they could not refund the money electronically and I would have to wait 10-14 days to receive a check by mail.
On the July 19th, I sent an email to their customer service at [email protected] to inquire about the status of the refund. I never received a response to that message.
Today, July 27th, I called again and was told that a refund check was never mailed. So now I am on the 10-day wait for a check, again. I am not optimistic I will be getting my money back at this point. I hope HEB enjoys my $200 because they have lost me as a customer over this debacle.
2023/07/27 at 7:22 pm
Curtis Arnold
In reply to Raul.
Thanks for sharing your consumer opinion about HEB. What all personal information did they want out of curiosity? I assume your talking about their application?
2022/08/26 at 4:54 am
Raul
This @$#$ sucks !!!! They ask you for ur info. A bank don’t ask all this stuff. Heb prepaid card sucks. Don’t get this K$K$%!!!!
2022/07/25 at 1:26 pm
Ron
Don’t like it and didn’t know they wanted personal information, Social Security, birth date, address. This information is what scammers want. How would I know they will not misuse it. Anyway, it is a PREPAID debit card, already paid for!!
And HEB, will not refund!!! I am disappointed
2022/01/24 at 9:55 pm
Michael Schwandt
Received a HEB prepaid Visa gift card and could not activate it even WITH ss#
What a horrible process and I will inform the gift giver to NEVER purchase one again. Unbelievable that you can’t speak with someone. Even the link to the app that is on the card doesn’t work. You input the info and it says you can’t use this app it must be done on the HEB mobile app. Downloaded that and then the real fun began. ABSOLUTELY DISGUSTED!!! Shame on you HEB for selling this junk.
2021/07/15 at 10:14 pm
Moved to Texas 4-5 months ago and purchased an HEB prepaid to use each month for shopping and to load cash. Well I also won a lot of scratch offs from the vending machines located inside HEB. Like 4-5 were worth $500 in a 8 week period of time along with other small winnings.
Each time I would go to the CS counter and have the winnings cash loaded to my HEB. Two months ago I tried to load cash and it came back “Transaction Not Approved” at the customer service counter. I called CS and was told I needed to reload at a different vendor.
So I did at a local dollar general. Now this week, I purchased three $50 scratch offs, one won $300 and the other $250, later that night I made 2 withdrawals from the ATM and another the next day. Mind you I’ve withdrawn money at the ATM 7-8 times in the last few weeks.
This morning I got a text telling with the toll free#. I called and was told Metabank closed my account due to security reasons or “unusual activity” and they are sending me a check for my remaining balance.
No notice, I told CS that the vast majority of the time I’ve always went to the CS counter at HEB to reload/cash to the card. What is considered unusual? The lady couldn’t provide an answer.
This is beyond frustrating because I keep my expenses i.e groceries/gas separate from my other bills which is why I purchased/used the HEB Prepaid Netspend card. I will never use this service ever again.
2021/06/25 at 4:20 am
JaneD
In reply to Curtis Arnold.
My lost card was bank debit card and the reason I purchased the HEB Prepaid. Today when I contacted customer service I’m told my card isn’t valid. My money is still being held hostage..and I have no way to reach a live person via number. Since original post I submitted IRS Tax document that stated my SSN, name and address (all matching the previous information I sent). I’m told that doesn’t suffice, they need copy of Social Security CARD. Federal law states what I submitted is verification.
The card isn’t working. PERIOD. I do want my money back. Dozens of email and phone calls. Worst experience. If you can facilitate someone contacting me to resolve, it would be greatly appreciated.
Curtis Arnold
In reply to JDaab.
Jane-
Thanks for sharing your problems with HEB and sorry for your account issues. I’m assuming the debit card you lost was not from HEB?
Sounds like it’s working ok now, so that’s good. Were you able to get all your money back?
2021/06/14 at 9:15 pm
Bren Reyna
In reply to Lee Fries.
She doesn’t have to give her SSN if its a gift card..
2021/05/28 at 10:51 am
Lee Fries
Bought it for an older relative. She does not want to give out her SS# just to use a gift! Shame on HEB for not making it more clear that the SS# is a requirement AND for refusing to refund the money.
