{
  "snapshot_at": "2026-10-27T23:29:32Z",
  "brand": "Bank First",
  "brand_slug": "bank-first",
  "product_id": "38f046d7-0d28-4d0a-81e5-0e09544de9a0",
  "cdr_url": "https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products/38f046d7-0d28-4d0a-81e5-0e09544de9a0",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products/38f046d7-0d28-4d0a-81e5-0e09544de9a0'",
  "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": "Bank First",
    "description": "Everyday Transaction account",
    "isTailored": false,
    "lastUpdated": "2026-08-12T00:25:26.621592Z",
    "name": "Everyday Account",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "38f046d7-0d28-4d0a-81e5-0e09544de9a0",
    "additionalInformation": {
      "overviewUri": "https://www.bankfirst.com.au/bank-accounts/transaction-accounts/everyday-account",
      "termsUri": "https://www.bankfirst.com.au/disclosure-documents",
      "eligibilityUri": "https://www.bankfirst.com.au/-/media/bankfirst/pdfs/termsandconditions/tc_part_a.pdf?la=en&hash=1BD3E51F84EC9362648BB08285FA0082715FEDB6",
      "feesAndPricingUri": "https://www.bankfirst.com.au/-/media/bankfirst/pdfs/termsandconditions/tc_part_b.pdf?la=en&hash=172D55D317D95FDB13F24CDFDE6D3B6B2E7C7F37",
      "bundleUri": null,
      "additionalOverviewUris": null,
      "additionalTermsUris": null,
      "additionalEligibilityUris": null,
      "additionalFeesAndPricingUris": null,
      "additionalBundleUris": null
    },
    "applicationUri": "https://form.bankfirst.com.au/account-application",
    "brandName": "Bank First Production",
    "brandGroup": null,
    "cardArt": [
      {
        "imageUri": "https://cdn.intelligencebank.com/au/share/e3Gq6M/EzVJM/OR71E/original/bank-first-debit-card-512px",
        "title": null,
        "cardScheme": "VISA",
        "cardType": "DEBIT"
      }
    ],
    "effectiveFrom": null,
    "effectiveTo": null,
    "bundles": [],
    "constraints": [],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.00",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "applicationFrequency": "P3M",
        "calculationFrequency": "P1D",
        "tiers": [
          {
            "name": "Everyday Account_Tier_2",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "150.00",
            "maximumValue": "299.9999",
            "rateApplicationMethod": "PER_TIER",
            "applicabilityConditions": [
              {
                "additionalInfo": null,
                "additionalInfoUri": null,
                "rateApplicabilityType": "EXISTING_CUST",
                "additionalValue": null
              }
            ]
          }
        ],
        "applicationType": "PERIODIC",
        "applicabilityConditions": []
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.00",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "applicationFrequency": "P3M",
        "calculationFrequency": "P1D",
        "tiers": [
          {
            "name": "Everyday Account_Tier_1",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.001",
            "maximumValue": "149.999",
            "rateApplicationMethod": "PER_TIER",
            "applicabilityConditions": []
          }
        ],
        "applicationType": "PERIODIC",
        "applicabilityConditions": []
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.00",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "applicationFrequency": "P3M",
        "calculationFrequency": "P1D",
        "tiers": [
          {
            "name": "Everyday Account_Tier_3",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "300.00",
            "rateApplicationMethod": "PER_TIER",
            "applicabilityConditions": []
          }
        ],
        "applicationType": "PERIODIC",
        "applicabilityConditions": []
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "18"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Available to members only.",
        "additionalInfoUri": null,
        "additionalValue": null
      }
    ],
    "features": [
      {
        "featureType": "BILL_PAYMENT",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "Bpay View"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Other service related charges apply based on your circumstances",
        "additionalInfoUri": "https://www.bankfirst.com.au/-/media/bankfirst/pdfs/termsandconditions/tc_part_b.pdf?la=en&hash=172D55D317D95FDB13F24CDFDE6D3B6B2E7C7F37",
        "additionalValue": null
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Phone Banking is available",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "Google Pay"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "Apple Pay"
      },
      {
        "featureType": "OVERDRAFT",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "OFFSET",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "CARD_ACCESS",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "Visa Debit Card"
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "BILL_PAYMENT",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "Bpay"
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "UNLIMITED_TXNS",
        "additionalInfo": "For the following transactions are free: Purchases on Visa Debit Card by pressing    credit   ,  purchases over the phone or Internet, Purchases on Visa Debit Card by pressing    savings    or    cheque', Electronic payments - quoting a valid BSB and account number, Bpay transactions, NPP including Osko payments. PayID and Bank@Post withdrawals.",
        "additionalInfoUri": null,
        "additionalValue": null
      }
    ],
    "fees": [
      {
        "feeType": "PERIODIC",
        "name": "Account Keeping Fees",
        "additionalInfo": null,
        "additionalInfoUri": "https://www.bankfirst.com.au/-/media/bankfirst/pdfs/termsandconditions/tc_part_b.pdf?la=en&hash=172D55D317D95FDB13F24CDFDE6D3B6B2E7C7F37",
        "additionalValue": "P1M",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "WITHDRAWAL",
        "name": "Visa Debit Card Overseas Atm Withdrawals",
        "additionalInfo": "The ATM operator may charge a fee at the time of the transaction",
        "additionalInfoUri": "https://www.bankfirst.com.au/-/media/bankfirst/pdfs/termsandconditions/tc_part_b.pdf?la=en&hash=172D55D317D95FDB13F24CDFDE6D3B6B2E7C7F37",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.50"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Direct Entry Return Fee",
        "additionalInfo": null,
        "additionalInfoUri": "https://www.bankfirst.com.au/-/media/bankfirst/pdfs/termsandconditions/tc_part_b.pdf?la=en&hash=172D55D317D95FDB13F24CDFDE6D3B6B2E7C7F37",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.50"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Coin Handling Fee",
        "additionalInfo": "Handling of a coin deposit or withdrawal - $5 per every $100.",
        "additionalInfoUri": "https://www.bankfirst.com.au/-/media/bankfirst/pdfs/termsandconditions/tc_part_b.pdf?la=en&hash=172D55D317D95FDB13F24CDFDE6D3B6B2E7C7F37",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "CASH_ADVANCE",
        "name": "Visa Debit Over The Counter Cash Advance",
        "additionalInfo": null,
        "additionalInfoUri": "https://www.bankfirst.com.au/-/media/bankfirst/pdfs/termsandconditions/tc_part_b.pdf?la=en&hash=172D55D317D95FDB13F24CDFDE6D3B6B2E7C7F37",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.50"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "REPLACEMENT",
        "name": "Replacement Card Fee",
        "additionalInfo": "$12.00 Staff Assisted and $8 via Mobile Banking App",
        "additionalInfoUri": "https://www.bankfirst.com.au/-/media/bankfirst/pdfs/termsandconditions/tc_part_b.pdf?la=en&hash=172D55D317D95FDB13F24CDFDE6D3B6B2E7C7F37",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "8.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Bank First Cheque Fee",
        "additionalInfo": null,
        "additionalInfoUri": "https://www.bankfirst.com.au/-/media/bankfirst/pdfs/termsandconditions/tc_part_b.pdf?la=en&hash=172D55D317D95FDB13F24CDFDE6D3B6B2E7C7F37",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Voucher Retrieval Fee For Cheque/Deposit",
        "additionalInfo": "$5.00 per voucher",
        "additionalInfoUri": "https://www.bankfirst.com.au/-/media/bankfirst/pdfs/termsandconditions/tc_part_b.pdf?la=en&hash=172D55D317D95FDB13F24CDFDE6D3B6B2E7C7F37",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Direct Debit Stop Request",
        "additionalInfo": null,
        "additionalInfoUri": "https://www.bankfirst.com.au/-/media/bankfirst/pdfs/termsandconditions/tc_part_b.pdf?la=en&hash=172D55D317D95FDB13F24CDFDE6D3B6B2E7C7F37",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "9.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Express Posting Of Card Or Pin In Australia",
        "additionalInfo": null,
        "additionalInfoUri": "https://www.bankfirst.com.au/-/media/bankfirst/pdfs/termsandconditions/tc_part_b.pdf?la=en&hash=172D55D317D95FDB13F24CDFDE6D3B6B2E7C7F37",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "DISHONOUR",
        "name": "Cheque Dishonour Fee",
        "additionalInfo": null,
        "additionalInfoUri": "https://www.bankfirst.com.au/-/media/bankfirst/pdfs/termsandconditions/tc_part_b.pdf?la=en&hash=172D55D317D95FDB13F24CDFDE6D3B6B2E7C7F37",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "17.50"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Bank First Corporate Cheque Stop Payment",
        "additionalInfo": null,
        "additionalInfoUri": "https://www.bankfirst.com.au/-/media/bankfirst/pdfs/termsandconditions/tc_part_b.pdf?la=en&hash=172D55D317D95FDB13F24CDFDE6D3B6B2E7C7F37",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "PERIODIC",
        "name": "Inactive Membership Fee",
        "additionalInfo": null,
        "additionalInfoUri": "https://www.bankfirst.com.au/-/media/bankfirst/pdfs/termsandconditions/tc_part_b.pdf?la=en&hash=172D55D317D95FDB13F24CDFDE6D3B6B2E7C7F37",
        "additionalValue": "P1Y",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Issue Card Or Pin Internationally By Registered Mail",
        "additionalInfo": "$15 dollars per item",
        "additionalInfoUri": "https://www.bankfirst.com.au/-/media/bankfirst/pdfs/termsandconditions/tc_part_b.pdf?la=en&hash=172D55D317D95FDB13F24CDFDE6D3B6B2E7C7F37",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "UPFRONT",
        "name": "Non- Individual Membership Establishment Fee",
        "additionalInfo": "Applies when a Non-Individual membership is established",
        "additionalInfoUri": "https://www.bankfirst.com.au/-/media/bankfirst/pdfs/termsandconditions/tc_part_b.pdf?la=en&hash=172D55D317D95FDB13F24CDFDE6D3B6B2E7C7F37",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "ENQUIRY",
        "name": "Statement Request",
        "additionalInfo": "Fee charged $0 per month applies.",
        "additionalInfoUri": "https://www.bankfirst.com.au/-/media/bankfirst/pdfs/termsandconditions/tc_part_b.pdf?la=en&hash=172D55D317D95FDB13F24CDFDE6D3B6B2E7C7F37",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "REPLACEMENT",
        "name": "Emergency Overseas Replacement Card Fee",
        "additionalInfo": null,
        "additionalInfoUri": "https://www.bankfirst.com.au/-/media/bankfirst/pdfs/termsandconditions/tc_part_b.pdf?la=en&hash=172D55D317D95FDB13F24CDFDE6D3B6B2E7C7F37",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [
          {
            "description": "This Fee is waived for Platinum credit card holders",
            "discountType": "ELIGIBILITY_ONLY",
            "additionalInfo": null,
            "additionalInfoUri": "https://www.bankfirst.com.au/disclosure-documents",
            "additionalValue": null,
            "eligibility": [
              {
                "discountEligibilityType": "OTHER",
                "additionalInfo": "Fee is waived for Platinum credit card holders",
                "additionalInfoUri": null,
                "additionalValue": null
              }
            ],
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "150.00"
            },
            "rateBased": null
          }
        ],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "150.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Overdrawn Account Fee",
        "additionalInfo": "Applies when your Transaction / Savings Account is overdrawn or the balance exceeds the limit of any Overdraft attached to the account at close of business and charged again at seven day increments if the balance remains overdrawn / limit exceeded.",
        "additionalInfoUri": "https://www.bankfirst.com.au/-/media/bankfirst/pdfs/termsandconditions/tc_part_b.pdf?la=en&hash=172D55D317D95FDB13F24CDFDE6D3B6B2E7C7F37",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "TRANSACTION",
        "name": "Currency Conversion Fee",
        "additionalInfo": "3.0% of the transaction value for converting overseas currency transactions using your Visa Debit Card to Australian Dollars. \nOverseas banks may charge a separate fee. Note: Premier Package Home Loan holders will be refunded the currency conversion fee. ",
        "additionalInfoUri": "https://www.bankfirst.com.au/-/media/bankfirst/pdfs/termsandconditions/tc_part_b.pdf?la=en&hash=172D55D317D95FDB13F24CDFDE6D3B6B2E7C7F37",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [
          {
            "description": "This fee is waived for Premier/Rewards Package Home Loan customers",
            "discountType": "ELIGIBILITY_ONLY",
            "additionalInfo": "Premier package home loan holders will be refunded the currency conversion fee\n",
            "additionalInfoUri": "https://www.bankfirst.com.au/-/media/bankfirst/pdfs/termsandconditions/tc_part_b.pdf?la=en&hash=172D55D317D95FDB13F24CDFDE6D3B6B2E7C7F37",
            "additionalValue": null,
            "eligibility": [
              {
                "discountEligibilityType": "NATURAL_PERSON",
                "additionalInfo": "This fee is waived for Premier/Rewards Package Home Loan customers",
                "additionalInfoUri": null,
                "additionalValue": null
              }
            ],
            "discountMethodUType": "rateBased",
            "fixedAmount": null,
            "rateBased": {
              "rateType": "TRANSACTION",
              "rate": "0.03",
              "amountRange": null
            }
          }
        ],
        "feeMethodUType": "rateBased",
        "fixedAmount": null,
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.03",
          "accrualFrequency": null,
          "amountRange": null
        },
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "DISHONOUR",
        "name": "Direct Debit Dishonour Fee",
        "additionalInfo": null,
        "additionalInfoUri": "https://www.bankfirst.com.au/-/media/bankfirst/pdfs/termsandconditions/tc_part_b.pdf?la=en&hash=172D55D317D95FDB13F24CDFDE6D3B6B2E7C7F37",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      }
    ],
    "lendingRates": [],
    "instalments": null
  }
}