# H vs FSB Debit Cards

The clearest difference is update cadence: H at every 5 weeks against FSB Debit Cards's every 3 months. H also leads on iOS requirement (13.0 vs 15.0). On price, ads, in-app purchases and device support there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

H ships an update every 5 weeks, FSB Debit Cards every 3 months. The most recent releases landed on October 20, 2026 and October 16, 2026 respectively.

## The numbers

| Metric | H | FSB Debit Cards |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (8.1K ratings)](https://appshunter.io/ios/app/h-e-b-debit/id1514744431/reviews)** | — |
| Number of ratings | **8.1K** | — |
| Positive reviews | 32.6% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 5 weeks** | Every 3 months |
| Monetization | Free | — |
| Size | 53 MB | 37 MB |
| Requires iOS | **13.0** | 15.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Netspend Corporation](https://appshunter.io/developer/381397907) | [First State Bank Valliant](https://appshunter.io/developer/532377177) |

## What reviewers say

### H

[App page](https://appshunter.io/ios/app/h-e-b-debit/id1514744431)

This debit account offers Texans a convenient way to pay, with benefits like 5% cash back on store brand products and no monthly fees. It also provides overdraft protection and faster access to funds through direct deposit.

**Highlights:** 5% cash back on H-E-B brand products, No monthly account maintenance fee, Purchase Cushion up to $20, Access funds up to 2 days faster, Free cash withdrawals at H-E-B ATMs, Add funds at no cost at H-E-B locations

**Features:** macOS Compatibility

**In-app purchases:** none

**What reviewers like**

- 💳 Great cash back on HEB products
- 🏦 Useful for those without regular bank accounts
- 🇹🇽 Convenient for Texas residents

**What reviewers complain about**

- 🐛 Buggy app with frequent issues
- 🤖 Poor customer service, often outsourced
- 🔒 Difficulty linking bank accounts and adding funds
- 💳 Limited functionality compared to regular debit cards

**Reported bugs**

- App crashes and freezes
- Deposit and transfer failures
- Incorrect transaction reporting

**Requested features**

- Link to mobile wallets like Apple Pay
- Improved deposit and transfer options
- Overdraft protection


### FSB Debit Cards

[App page](https://appshunter.io/ios/app/fsb-debit-cards/id6496679108)

**In-app purchases:** none


## Frequently asked questions

### Is H free?

H is free to download, with no in-app purchases.

### Is FSB Debit Cards free?

FSB Debit Cards is free to download, with no in-app purchases.

### Do H or FSB Debit Cards have ads?

Neither H nor FSB Debit Cards shows ads.

### Which is updated more often, H or FSB Debit Cards?

H ships an update every 5 weeks, and FSB Debit Cards every 3 months. Most recently, H was updated on October 20, 2026 and FSB Debit Cards on October 16, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*