{
  "snapshot_at": "2026-10-22T13:24:03Z",
  "brand": "Australian Military Bank",
  "brand_slug": "australian-military-bank",
  "product_id": "326776d2-ae4e-445b-bb8a-eca7cfed1ec5",
  "cdr_url": "https://public.open.australianmilitarybank.com.au/cds-au/v1/banking/products/326776d2-ae4e-445b-bb8a-eca7cfed1ec5",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://public.open.australianmilitarybank.com.au/cds-au/v1/banking/products/326776d2-ae4e-445b-bb8a-eca7cfed1ec5'",
  "note": "Verbatim `data` object of the bank's CDR product detail response, as fetched. The live endpoint needs the x-v header shown in how_to_fetch and will not open in a browser.",
  "data": {
    "brand": "AMB",
    "description": "With limited withdrawals throughout the year and a direct credit facility available, the Christmas Club Account helps you stay on track with your savings for the festive season.",
    "isTailored": false,
    "lastUpdated": "2026-08-24T23:19:48.597843Z",
    "name": "Christmas Club",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "326776d2-ae4e-445b-bb8a-eca7cfed1ec5",
    "additionalInformation": {
      "overviewUri": "https://www.australianmilitarybank.com.au/savings-accounts/christmas-club-account",
      "termsUri": "https://www.australianmilitarybank.com.au/disclosuredocuments",
      "eligibilityUri": "https://www.australianmilitarybank.com.au/disclosuredocuments",
      "feesAndPricingUri": "https://www.australianmilitarybank.com.au/disclosuredocuments",
      "bundleUri": null,
      "additionalOverviewUris": null,
      "additionalTermsUris": null,
      "additionalEligibilityUris": null,
      "additionalFeesAndPricingUris": null,
      "additionalBundleUris": null
    },
    "applicationUri": "https://ib.australianmilitarybank.com.au/AMBInternetBanking/?pd=SSXMA",
    "brandName": "AMB Bank Product ",
    "brandGroup": null,
    "cardArt": [],
    "effectiveFrom": "2021-12-31T13:00:00Z",
    "effectiveTo": null,
    "bundles": [],
    "constraints": [],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.02",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "applicationFrequency": "P1Y",
        "calculationFrequency": "P1M",
        "tiers": [],
        "applicationType": "PERIODIC",
        "applicabilityConditions": []
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "Individuals must be citizens or permanent residents of Australia."
      },
      {
        "eligibilityType": "NATURAL_PERSON",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null
      }
    ],
    "features": [
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "Members can set up a variety of notifications in Internet Banking"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No monthly account keeping fees",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Withdrawals available between 1 November and 31 January each year",
        "additionalInfoUri": null,
        "additionalValue": null
      }
    ],
    "fees": [
      {
        "feeType": "TRANSACTION",
        "name": "EFT trace/recall of funds",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "25.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "PERIODIC",
        "name": "Inactive fee for accounts inactive 12 months\nor greater",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "P1M",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Archive retrieval fee",
        "additionalInfo": "Per hour fee applies plus any expenses incurred",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "variable",
        "fixedAmount": null,
        "rateBased": null,
        "variable": {
          "feeMinimum": "50.00",
          "feeMaximum": null
        },
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "PERIODIC",
        "name": "Paper statement fee (per statement)",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "P1M",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Copies of statements (over 12 months) at branch",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Copies of statements (up to 12 months) at branch",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.50"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "PERIODIC",
        "name": "Dormancy fee for accounts inactive greater\nthan 24 months",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "P1M",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Audit Certificate Fee",
        "additionalInfo": "Per audit certificate requested",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      }
    ],
    "lendingRates": [],
    "instalments": null
  }
}