Netspend has their H-E-B debit card which offers a linked savings account with 6% APY on balances up to $2,000. Balances above that amount get .50% APY.
Direct Link to H-E-B Debit Card
You can get the H-E-B card even if you have another version of the Netspend debit cards. Years ago I spent a lot of time parsing out the options with Netspend cards since it was possible to get 5% APY on up to $5,000, and to multiply that by opening various versions of the Netspend cards. These became much less interesting in 2016 when they lowered the max to just $1,000, though given the current environment of low interest rates some might revisit these accounts.
This H-E-B card is more interesting than the other Netspend cards since they are now offering a higher 6% rate and also a higher $2,000 limit. We’ve added this to our list of Best High Yield Savings Accounts.
Note: there is a $4.95/month inactivity fee is the account is inactive for more than 90 days, so you need to set up a recurring transfer in order to avoid the fee if you don’t plan on using the card.
Also note, you need to activate the card before funding the account or it’ll get locked; also, you need to add $1 to your prepaid card before you can activate the savings account. This card does not have a referral program.
There are also a few bonuses possible to get with this card (or possibly any Netspend card), including $10 for depositing a check, $15 for direct deposit, and $5 for loading the account – see more about these potential offers in this comment from reader ShawntheShawn. You can also get 5% back on H-E-B spend with the prepaid card.
Feel free to discuss this or other Netspend accounts in the comments below.
Just signed up. I seen the comments that some people like this 6% savings account so much that they have up to five accounts? Can you get multiple HEB brand savings accounts or do you have to go with different co-branded NetSpend accounts to get multiples? Does anybody have any information on this?
According to this comment, you can have multiple HEB 6% accounts: #1903105 . However, I forgot about this until I just saw your comment.
Are you going to try for more? I’m really tempted to try for a 2nd as 6% is looking really good nowadays.
I can’t open any more, the max is 6(afaik), i tried to open a new one years ago, although i was initially approved for it, once it arrived i couldn’t get it to work(can’t remember why exactly, spoke to an agent to see if he could manually do it, he told me i needed to close one of my active accs in order to activate the new”, later on i applied for the heb debit(few days after going live) and went smoothly making it my 6th account, not sure if you can open more than 1 of the same, i read a long time ago you couldn’t, but i didnt’t try it myself other than the above, but i was already capped so you may be able to open 2+ 6% ones if you don’t have the cap(big maybe and i wouldn’t count on it).
I’m confused by your comment. You wrote that you tried for an HEB Debit years ago but then wrote that “later on” you applied for the HEB Debit and was approved.
Can you clarify?
Also, the point is that
vc told me that she has (or had) 4 or 5 open HEB Debit accounts.
Wouldn’t you rather have 5 accounts that have a maximum of $2K at 6% than 5 accounts that have a maximum of $1K at 5%?
Very interesting. 5+ more cards at 6% $2k balance does sound enticing.
Do we know if anyone has closed existing NetSpends just to reopen with the HEB Debit 6%?
I currently have 6 other NetSpends. I can’t even activate replacement (new expiry date) cards because the automated system recognizes an error and transfers me to an agent who tried, but said I would have to close an existing active NetSpend just to get the activate the replacement. So for a few of my accounts, the cards are expired, but I can still log on, move cash, and basically use as if I had an active card…
Seeing how buggy NetSpend is, I wouldn’t want to be stuck with 6 closed slots that can’t be used towards another card… That’d be worse case
I agree that it’s enticing. That’s why I brought it up. 😀
See this comment from
vc: #1903105 . Maybe you’ll get lucky and she will explain how she got 4 HEB Debit account earning 6% at $2K each.
I am thinking of applying for a 2nd now and if they demand that I close 1 of my cards, I will gladly close my Porte account that is currently collecting dust. How does that sound for a plan?
That sounds like a good idea, nothing to lose using this tactic, btw they won’t “demand” nothing out of you, in fact they won’t ever contact you about anything, last time i applied for a 2nd netspend and got approved, i couldn’t activate it and yet i was never asked anything by them on why did i try opening more than the limit allowed.
Just FYI, when I was trying to activate my replacement cards ~2 years ago (new expiry date), they initially tried and said I had to close some older cards/accounts, so I said let me think about it.
Within a few hours, Netspend fraud had blocked access to all 7 accounts and provided me instructions to call in and upload verification docs (drivers license, social, and utility bill). I uploaded then called in, answereed a few more KYC questions, then the rep reviewed my uploaded docs and unfroze everything. Took less than 4 hours, and very straight forward.
But just be aware, with multiple accounts and Netspend’s various bugs, there’s also fraud/verification review…
Glad it worked, btw which 7 do you have ? I thought the cap was 6,
Did you forget this comment that I made: #1903294 ?
Totally, wait… so the limit today is 7? A few years ago the limit was 5 then increased to 6 with heb debit… hmm i’ll try getting another heb if that’s the case.
Hold your horses! I only have 5 regular “Netspend” accounts. The other 2 are Porte and HEB Debit.
Ah i see, now it makes sense.
I recall from the old DoC thread the limit is/was 3 accounts per bank, e.g. Metabank, etc. https://www.doctorofcredit.com/guide-to-5-interest-prepaidsavings-accounts
So I think I had followed that rule and opened my first 5: Netspend, Ace, Brinks, WU, and HEB. Then years later, opened HEB Debit and MLB, so that’s 7.
Not including Porte (now closed) and All Access (didn’t realize had $5 monthly fee until after app, so closed immediately before activating).
So I think the phone rep is probably correct in stating 5 active cards at a time, as a few of my cards have expired but without effect on the accounts…
Yep i remember the 3 per bank rule, np,w.u and ace were meta and the others were some other bank, what is mlb if you don’t mind me asking?
MLB’s just another $1k @ 5% card. Learned about it from one of the DoC Netspend threads.
Same Pathward routing number as HEB Debit and couple other Netspends
Something similar to happened to me the last time that I received a replacement. I just told them to deactivate the card that was being replaced (ie Western Union) and I think that did the trick.
That’s a good catch by you. I left out that they would demand that I close a card in order to activate the HEB Debit card. Did you offer to close 1 of your previous cards and they wouldn’t let you?
At the time(when i tried to open another netspend 5% one), they did offer if i wanted to close one of my active in order activate the new one, i said no cuz it would’ve been an exchange of 5% for another 5%, i haven’t tried with another heb debit.
She responded to me and told me that she simply signed up on the website for a new account username with all the same information. That’s exactly what I did too luckily. I never received any kind of email confirmation and when I tried logging in on the website with my new username, it said that the username was invalid, so I wasn’t even sure if it went through until I tried signing up with the same new username again and that time it told me that I needed to wait 7 to 10 business days for the card to arrive in the mail.
Yes, if/when I try for another HEB Debit, I will certainly be using a different username. I have different usernames for each of my Brink’s accounts so this is not news to me. 😉
Do you have multiple HEB Debit accounts also?
I just signed up for my second HEB debit account and I’m waiting for the card in the mail so I can fund it and activate the second savings account. Everything appears to be going smoothly so far.
I just tried to apply for a 2nd HEB Debit account both using the same email address and my 1st and a different email address. Both times, I received the message “We are unable to complete your request at this time.” after entering only my name, address and email address.
Austin,
Did you use all of the same info as your 1st HEB Debit account? Do you have any other Netspend products (ie Ace Elite, Brink’s, Porte, etc.) or are the 2 HEB Debit accounts your only 2 Netspend/Pathward products?
Evilex,
I don’t have the nerve to close any of my Netspend products as I’m not confident enough that HEB will let me proceed even if I do that. How about you?
Nope, i would not try closing any account.
Yes I used all the same info. The only thing I changed was the username by adding a number at the end. And yes these are my only NetSpend/Pathward account.
I just funded my second savings account and immediately signed up for my third HEB debit card (now waiting for that in the mail) so I can fund it and sign up for my 3rd HEB savings account, then my 4th HEB Debit if possible. I guess I’ll keep repeating that process until I get denied, whether that’s three accounts or five or whatever.
I see that your 1st reply got posted after your 2nd reply. BTW, if you want to prevent this from happening in the future, you can start using your email address each time that you comment.
Sorry I replied to this already but I don’t see my response so I’ll send it again:
Yes I used all the same info except the new username and no I don’t have any other NetSpend products. I just funded the second savings account and then immediately applied for a third debit account. I’ll keep rinsing and repeating until they deny me.
That’s really nice that you are already up to 3. Hopefully, they let you get to 5+ before you start receiving the message that I received.
Are either of you tempted like I am to cancel 1 Netspend product at a time until we stop receiving that error? Hopefully, 1 of us has the nerve to try at some point!
Not as much, i rather have most of ny cash on stocks, i keep these 5-6% apy accs as emergency funds, it wouod definitely be better to own only heb debit, but i haven’t thought about closing any yet.
Yeah I like the card. Just discovered that you can link your other HEB debit account username to your primary one as a friend and do free instant transfers between the accounts, and I don’t see any limits for that. Plus I was able to link my PayPal debit card in the HEB debit app to do free instant pull transfers. And of course the PayPal debit card is linked to the PayPal balance, which can do free instant pulls from all of my checking account and brokerage debit cards that I have linked, which is all of them.
Looks like only a max of three cards at a time can be directly linked to the HEB debit app to do instant transfers, but if the PayPal debit card is one of those three, then you have indirect access to instant transfers from your full list of debit cards connected to PayPal.
The only slight issue is that I noticed it won’t recognize Fidelity as a bank to send the money back out for free, so I have to use BofA, capitalone, or whatever, and only one can be linked at a time for ach push transfers, as far as I can tell.
Looks like you can extend the number of debit cards used for instant pull transfers into the account beyond just three maximum by making one of them a PayPal debit card. That way you indirectly have access to instant pull transfers from all debit cards connected to your PayPal account.
I understand why you can’t do instant push transfers back out again for free, but I wish that the ACH transfers out were at least compatible with Fidelity, but unfortunately that’s not the case. Luckily I was able to link it to Bank of America so I can push out funds for free with a standard ACH transfer into that bank. But I will have to wait two to four business days to complete two ACH transfers to get it into my main Fidelity account
Have you linked the HEB debit card to your PayPal account and tried doing an instant pull transfer from PayPal? Looking at the HEB debit fee structure, it looks like it’s possible that they would charge you for this action, so I haven’t tried it, but if it were free, that would be super awesome to have instant transfers both in and out of the account for free.
No, I haven’t. I use my HEB account as a Savings account only for the 6% APY on $2K.
Quick follow-up. I tried to apply for a new HEB Debit (#2), not touching my existing Netspends, and was denied “We are unable to complete your request at this time” just at the name/address stage.
I changed my email, as well including my middle name or spelling out my Street rather than St, then again with all 3x CRAs unfrozen, then finally with a different browser/device, but all the same.
Also tried calling in the number on the HEB Debit page, so automatically transferred to Netspend’s customer service unit. Unfortunately, rep didn’t have way of applying over the phone.
Asked if I needed to close some existing cards, but he said the system should allow more accounts/cards, just that they only allow 5 active cards under a social. So it’s basically a bug (or moreso feature) that the application system should allow continued applications/approval. But will into issues if trying to activate, basically as I experienced with my replacement cards over the years.
So presumably I’ve hit some limit…
Hopefully some data points emerge of more HEB Debits after having closed existing 5% Netspend cards.
Looking forward to your Porte experience, thanks
Eric 🔗
Another brief update. Since
Eric 🔗 mentioned Porte, I also have an old account that I briefly funded but has had $0 balance for several years. The app even locked my online profile so I had to call in.
Answered by Netspend, I provided my card number and verified $0 balance, then closed it.
I’ll give it a few days to cycle through their systems before re-applying for the HEB Debit…
I guess I’ll wait for your DP before taking the plunge myself since you are trying my strategy.
It’s now over a week since closing the Porte account, but still no go with the HEB Debit #2. Application fails on very first page.
Presumably I’ve reached some limit and would have to close more Netspends… Perhaps Porte wasn’t fully a Netspend product, so didn’t reduce my count.
I would absolutely love 5-6 heb @ 6%, but i read a long time ago you couldn’t open more than 1 of the same(i.e 2 netspend or 2 brinks etc), i didn’t verify this info i just thought it was fact(have others done it? (Perhaps vc meant to say 5 total 1 of each instead of 5 heb debit?, i would love to confirm this info), years ago before heb debit launched i applied for a 2nd netspend(i already had 1 of each at the time(5 accounts total), 1np, 1 w.u, 1 heb, 1 brinks and 1 ace, the 2nd netspend o tried was approved but once it arrived i couldn’t make it work, i applied again later(about a year or teo after the 2nd netspend), this time for the newly launched heb debit, it worked and i got up to 6 accounts(previously 5),
That’s incorrect as I have 2 Brink’s accounts and have had them for a long time.
No,
vc was very clear in this comment: #1903105 .
Oh good to know, good for ppl getting started, is kind of a hassle to close 5 accounts and try to open heb debit exclusively(there’s also the chance of being blacklisted and not being able to open it), i think i won’t take the risk, i may consider it if i see others doing it tho hahahhaha
I’m usually risk-averse like you but the reward if this goes well is pretty decent. What do you think of my idea here: #1968269 ?
Btw i’m sure you would’ve done it this way even without me saying it, but just in case, if you’re closing to open heb deb, do it 1 by 1, close 1, open and actually wait for arrival of card and activate it, open the savings and fund it before moving on to close the 2nd, is slower but safest.
Absolutely that’s what I plan to do, if I decide to take the plunge.
Quick data point for this thread for people like me who haven’t already maxed out their NetSpend accounts:
Just applied for my second debit account, and approved online with all the same information including name, address, social, etc.. except I did create a new username on hebdebit.com for the second account. Honestly I’m not sure if that was the right thing to do or not. Strangely I did use the same email address with a new username and it worked. Wasn’t really expecting it to. Now waiting for new debit card to arrive at same address as previous debit card, so I can activate it and then activate my second 6% savings account hopefully at that point. I’ll try to remember to come back here and update you guys if and when I successfully have funded my second savings account.
Saving account still at 6%; Earn 5% cash back on H‑E‑B brand products1 when you use the H‑E‑B Debit card.
Looks like they may now be excluding some OOS zip codes from applying for this. I opened mine a few years ago with a NY zip with no issues. P2 just tried the same NY zip and it returned an error message. We just tried a TX zip as a test and it let us proceed to the next step.
Got an email regarding their fees, days to avoid inactivity has been reduced from 90 days to 60, most of their fees have increased, they also added a new one= transferring funds out of netspend using third party service like Venmo, PayPal, WU etc will pay 3$(hopefully this doesn’t apply to regular ach), they also removed all plans and will get everyone into pay as you go, anyone using the automated transfer every 2 months = is time to update it to avoid getting hit with inactivity fee. @chuck
William Charles
https://www.netspend.com/account/terms/NS_GPR_PGsg.pdf
Some of us discussed the change at the below link.
https://www.doctorofcredit.com/netspend-neuters-5-apy-savings-account-effective-july-1/
I never received any email like this for my HEB Debit Account. This is the fee schedule pdf that is linked in ‘Legal Documents’ area when I logged in today: https://www.hebdebit.com/account/terms/730408222-PEW.pdf
It’s still 90 days of inactivity to incur the the $4.95 inactivity fee.
I rather not risk it, i have 6 accounts and only 1 of em got the email, btw how much do you transfer to keep it fee free? I always do 1$, but always wondeted if i could just do 0.01$ instead.
I’ve been transferring $.01 to all of my Netspend accounts for years and have never ran into an issue.
Appreciate it mate, has always been annoying having yo wonder if my account i use(just for that) has enought balance, will make the swap asap
I’m wondering if that will stop working, though. I’m closing my accts, so I didn’t ask them for clarification, but it said that there would be no bank xfers anymore. Maybe they meant you can’t initiate xfers from their side.
Where in the terms do you see that bank transfers are no longer allowed?
“…the following features will no longer be available:
• Mobile Check Load
• Western Union Transfers
• Bank Transfers”
I do that see that now. However, I am pretty sure that they are referring to transfers initiated from Netspend will no longer be allowed (if they even were before). I doubt that they would block withdrawals initiated by our outside FIs.
I asked them and that’s what they meant. But, I also realized that I contacted them from the HEB acct. This might just be for NS? I also changed the numbers in the url of the doc to see the diff versions of the doc. One says that they’re changing to MONTHLY plan, the newer version says changing to pay as you go. Maybe the new version is a true correction, but everyone should certainly make sure that they read the terms that they personally recvd instead of going by what one person posts.
Also, from what I understand based on my experience w prepaid cards from diff companies, some states limit monthly fees. Could be why there are diff versions of the doc.
I’m a little confused by your comment. Are you saying that you called HEB and asked them about the letter that Netspend sent you and that they said that bank transfers are no longer allowed once these changes take effect?
The only part of the terms that worries me a little bit is the new $3 “Money Transfer Service Fee”. They mention “third-party service[s]”. Do you think that means that using my regular bank account to withdraw would not incur a fee?
Either they’re doing this in waves or they forgot about the HEB accts LOL. I have 1 NS and 4-5 HEB and I only got an email for NS and that was last wk.
You have 4 or 5 HEB Debit accounts? I didn’t realize that you could have more than 1. So does that mean that you are earning 6% APY on $8-10K?
I received an SM with the changes from NS 2 days ago.
Yeah, they sent me an email stating that I have a SM. I thought that the acct was being closed or it was another “you’re close to getting an inactivity fee” notice. 😁
I have 4 HEB & 1 NS. They confirmed for me this yr that you can have 5 accts. IDK if that means 5 over all brands or just HEB.
And, yes, when I had $2k in all 4 HEB accts ($8k total), I was earning 6% for each acct.
I have 7 Netspend products total but only 1 HEB Debit. I’m hesitant to close any of them as it’s looking like 5% APY will be a good rate in the near future.
BTW, based on
Evilex’s reply to me, I wouldn’t close any of the accounts if I was you.
Why did you transfer money out of the HEB accounts? I doubt that you are earning more elsewhere.
I’m already on the pay as you go plan if that’s what you meant. Hopefully, everyone else here is doing that, too, bc even paying the $5 reduced fee cuts your interest in half (int is only $10 a month).
The main reason that I’m closing is bc I only signed up again bc I’d also get a sign-up bonus, which they didn’t pay. I’ll just sign up again in 6 months and only sign up for 1 acct to avoid any confusion by their reps…
Yes, it’s easy to earn more than 6% elsewhere at some of the FI listed here. Another reason that I chose NS/HEB over a traditional FI w similar rates is bc there’s no chex hit.
Also, in regards to deciding to close the accts, I look at the overall picture and other solutions, like investing and opp cost. Even with 5 accts, I’m only earning an extra $100 a yr. I’d rather keep that $10k in an acct like a Fid acct as a reserve. I’d be earning around 5% w a core position (so only “losing” 1%) or I could make other “safe” investments w similar or even better returns.
If the funds are just in my core position and I need them, they’ve already cleared, so I don’t have to worry about waiting to use the funds. I could easily miss out on an opp to earn $100 in one trade just by waiting for a $10k transfer to clear.
I could also just use the $10k to meet min bal for other bonuses.
I know it was directed to vc, but in my case i have all netspend accounts on 1-10$ until rates go down a lil further, tbills are better atm, when those go down to about 4.7 or less, i’m bringing all netspend accounts to 1k, heb deb and dcu are the only ones i have fully loaded as they pay 6%, definitely worth it keeping them open since those banks currently paying around 5% will lower rates at the same pace as the fed, netspend won’t(probably)
You seem to have a very similar mindset to me. I also only have about $10 in my Netspend accounts (except for HEB Debit).
I just signed up for my second H-E-B debit card and I’m waiting for it in the mail in hopes of being able to create a second 6% savings account. I did it with the same email address and personal info is before, except I created a new username on hebdebit.com . Did you use the same username for all of your H-E-B accounts? Did I just overcomplicate things for myself by creating two separate HEB debit accounts?
No, you’ll need a separate login for each acct. I used the same email address for all of them, though.
I didn’t realize about this until later and it seems like I never received the inactivity fee and was over the 60 days of inactivity. I did change mine just now to do monthly transfers but I also wonder if it hasn’t fully changed for HEB yet
I just received this same letter 2 days ago.
vc and I just discussed this below. Did either of you clarify with NS if making withdrawals by using our regular FI will incur this $3 fee?
I have the same question for you.
BTW, I read the news so this must have been an upsetting day for you. However, keep in mind the bigger picture of who’s #1 of all time. 😀
Not sure what FI means, i have not been hit with any fee, either withdrawals, transfer betwhern netspend accounts
Or outside institutions, haven’t tried transfer using netspend itself, i always initiate my transfer using other banks, so far so good.
FI means financial institution. I don’t think that you’d be hit w any fees yet. The doc that I got said that it wouldn’t start til 9/30.
I see, then it is being send in waves, is been a minute since i got the same email telling me the same, on a different date tho, that’s why i changed all my transfers to 1 month.
Do you have more than 1 HEB Debit account also? I am definitely tempted to apply for more accounts but am worried that it will create a problem since I already have 7 Netspend products.
How about you?
Only 1 for me. 2 for P2 but P2 was offered to convert old heb netspend to heb debit and accepted so only applied for one
Are any of yours converted like
007’s P2 or did you actually apply and get approved for all 4?
I have 1 heb and 1 heb debit, i also have 1 netspend, 1 Western Union, 1 Brinks, 1 Ace Elite and Dcu, both dcu and heb debit pay 6%, all 5 netspend pay 5%, a few years ago i tried opening more than 1 of each and failed, i can’t recall what failed, i’m pretty sure it got “approved”, but once the kit was sent to me i coildn’t sign up(i believe that’s what happened, cant recall exactly because it was in 2020 i think. I do remember getting excited because it went past the initial signing up process, but couldnt’t get it to work.
I have exactly the same as you do except I have 2 Brink’s and no regular HEB. I’ll probably just stick with the 1 HEB Debit for now.
I remember reading somewhere that, you may only open 3 metabank and 2 of the other bank(can’t recall the name), W.U, netspend and Ace Elite were considered Meta and Brinks and HEB the other, heb debit didn’t exist at that time, i think that’s why they allowed you to open 2 brinks, because tou didn’t open a regular HEB, if you were to try to open the regular HEB, more likely than not it will be denied.
Thank you for confirming that it’s BAU.
My thought when I read this was no fee if ACH pull from outside institution but will have to see when changes actually happen
Did you receive the letter around the time that
Evilex did, when 
vc and I did or not at all?
Has anyone obtained this card recently outside of TX and adjacent states?
Is there a backdoor number to call for help? The main number assumes that I already have a card and I don’t think there’s a way to get a human.
I get “We are unable to complete your request at this time” whenever I try to get past the first page of the application. I get this with 5 different browsers on 3 different networks on 4 different devices, all cookies are on, all adblockers disabled, tried incognito and non-incognito.
This happens when I input my real information and also when I input garbage, like “testy mctestface” in Austin TX, stuff like that.
Yeees, I got in. It may be a hack, I will tell you once my card is up and running.
I keep running into the same issue. What did you do to get around the issue?
It didn’t work actually, sorry. Thanks for the DP! PM me on another site if you want the gory details, I am TyrannicalDuncery everywhere.
Just checking in: have they come up with a better way to verify your identity than unsecured email of identification documents?
@chuck
I transfered $400 into my HEB Netspend card from T Mobile Money (ach) and got a $40 bonus!
Says “Credit: Applied Incentive Code: 1Q24 Load $400 Get 40.”
I also recievrd this on my Netspend Ace card. Will also try my other two Netspend cards, original and western union.
I don’t know if this is targeted or not. It seems like its a q1 promotion for transferring in $400, so time is ticking.
Did you receive an offer by email or some other way? If not, what made you transfer exactly $400?
Did anyone get random dd from this company? I got 2 $500 payments. The transaction literally has “Terminal Malfunction” in the description. Gonna leave the funds in the acct and contact them next wk if they haven’t taken it back yet.
Another round of $25 cash back for spending $150+ just came in.
Same for my P2. She now has two of these heb debit accounts and we mistakenly used same email for both. I don’t know which one is targeted (!)
Cashapp is not appearing to work this time around or the payout is a lot slower.
Thanks for the helpful DP. Am trying PayPal bill pay. If that doesn’t work will probably just pay hoa part of hoa fees despite ~4% charge for paying by card (debit or credit) as still comes out ahead.
Already got credit for PayPal Bill pay
I did a money order from Fred Meyer but nothing posted. Eventually after a month I complained to their secure message and threatened to file a complaint with the CFPB. Their support agents were useless but I got a phone call a few days later from a person who wanted to see the terms. I sent those over and got the $25 credit posted.
Thanks for the DP. Sorry you had such a difficult experience but glad that you finally received the $25 credit!
Interestingly did for both heb debit cards as wasn’t sure which was targeted. Received $25 credit for BOTH accounts
So your P2 was able to get 2 HEB Debit cards each with a $2K Savings account? What other Netspend products does your P2 have?
P2 HAS 2 HEB Debit cards each with a $2k savings account but P2 only APPLIED for one. P2 was offered for some time to convert HEB Netspend card to HEB debit card but didn’t want to do it in case it wouldn’t work out. After interest rates went above 5% we gave it a go and it worked. Otherwise has all the standard Netspend cards (5 total well now 4 since we converted one to heb debit) plus Porte. Of note P1 never offered such a conversion. Also we are both in foot print for HEB.
EDITED TO ADD: to make chronology clearer, P2 first applied to heb debit card when it made it to DoC few years ago. P2 only converted heb Netspend card to the heb debit card (hence heb debit card number 2) towards beginning of Q3 or Q4 2023.
Is your regular Netspend referral still worth $40? I signed up and when I logged into my acct, I have a referral link for $20. Is yours $20 or $40?
No, I just checked and it’s now only $20. Thank you for notifying me. I will update it.