{ "snapshot_at": "2026-11-05T03:30:38Z", "brand": "Bank of us", "brand_slug": "bank-of-us", "product_id": "SpringLoad", "cdr_url": "https://api.bankofus.com.au/OpenBanking/cds-au/v1/banking/products/SpringLoad", "x_v": 7, "how_to_fetch": "curl -H 'x-v: 7' 'https://api.bankofus.com.au/OpenBanking/cds-au/v1/banking/products/SpringLoad'", "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": { "features": [ { "featureType": "DIGITAL_BANKING" }, { "featureType": "NPP_ENABLED" }, { "featureType": "NPP_PAYID" }, { "featureType": "OTHER", "additionalInfo": "You can make up to 5 withdrawals or transfers from the Spring Load account in any one month without impacting the credit interest paid on the account. However, if you make more than 5 withdrawals or transfers during a month, you won't receive any interest." } ], "constraints": [ { "constraintType": "OPENING_BALANCE", "additionalValue": "50000.00" }, { "constraintType": "MAX_BALANCE", "additionalValue": "1000000.00" } ], "eligibility": [ { "eligibilityType": "NATURAL_PERSON" }, { "eligibilityType": "RESIDENCY_STATUS", "additionalInfo": "Tasmanian resident" } ], "fees": [ { "name": "BPAY_ERROR_CORRECTION_PROCESSING_FEE", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "10.00" }, "currency": "AUD", "additionalInfo": "Applies where we are required to process the correction of a BPAY payment that is made by you in error. The fee does not apply where you are not responsible for the error. The fee is debited to your account when your funds are retrieved following correction.", "additionalInfoUri": "https://bankofus.com.au/source-assets/documents/compliance/Fees-and-Charges-Schedule-1-July-2021.pdf" }, { "name": "CHEQUE_DISHONOUR_(INWARD)_FEE", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "12.00" }, "currency": "AUD", "additionalInfo": "Applies where a cheque paid into your account with us is dishonoured. The fee is debited to your account on the date of dishonour.", "additionalInfoUri": "https://bankofus.com.au/source-assets/documents/compliance/Fees-and-Charges-Schedule-1-July-2021.pdf" }, { "name": "COUNTER_(CORPORATE)_CHEQUE_FEE", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "10.00" }, "currency": "AUD", "additionalInfo": "Applies where you request us to draw a counter/corporate cheque against funds held in your account, whether to a third party or to yourself. The fee is debited to your account at the end of the day in which the cheque is drawn.", "additionalInfoUri": "https://bankofus.com.au/source-assets/documents/compliance/Fees-and-Charges-Schedule-1-July-2021.pdf" }, { "name": "DUPLICATE_STATEMENT_FEE", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "5.00" }, "currency": "AUD", "additionalInfo": "Payable for each duplicate paper copy of your monthly statement you request. Charged at the time of your request." }, { "name": "SPECIAL_CLEARANCE_FEE_ON_CHEQUE_DEPOSITS", "feeType": "DEPOSIT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "25.00" }, "currency": "AUD", "additionalInfo": "Applies where you request us to obtain fast clearance of a cheque to be deposited to your account. The fee is debited to your account at the time of request.", "additionalInfoUri": "https://bankofus.com.au/source-assets/documents/compliance/Fees-and-Charges-Schedule-1-July-2021.pdf" }, { "name": "STALE_CORPORATE_CHEQUE_FEE", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "30.00" }, "currency": "AUD", "additionalInfo": "Applies where a counter/corporate cheque that you have arranged is still unpresented after 15 months from the date of issue. The fee is payable by you when we issue a replacement counter/corporate cheque on your behalf and is subtracted from the reissued/replacement cheque. Where the cheque value is $30.00 or less, a fee equivalent to the value of the cheque will apply.", "additionalInfoUri": "https://bankofus.com.au/source-assets/documents/compliance/Fees-and-Charges-Schedule-1-July-2021.pdf" }, { "name": "STOP_PAYMENT_FEE_ON_CORPORATE_CHEQUE", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "25.00" }, "currency": "AUD", "additionalInfo": "Applies to a request from you for a stop payment to be placed on a counter/corporate cheque due to theft or loss. The fee is debited to your account on the next business day following placement of the stop and includes the issuing of a replacement cheque.", "additionalInfoUri": "https://bankofus.com.au/source-assets/documents/compliance/Fees-and-Charges-Schedule-1-July-2021.pdf" }, { "name": "ALERT_FEE_(SMS)", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "0.25" }, "currency": "AUD", "additionalInfo": "Applies to each Alert sent to you by SMS. The fee is debited to your nominated account at the end of the day in which the SMS is initiated", "additionalInfoUri": "https://bankofus.com.au/source-assets/documents/compliance/Fees-and-Charges-Schedule-1-July-2021.pdf" }, { "name": "INTERIM_STATEMENT_FEE", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "2.00" }, "currency": "AUD", "additionalInfo": "Per statement. Applies where you request an interim statement between your existing statement cycle. The fee is debited to your account when we issue the interim statement(s).", "additionalInfoUri": "https://bankofus.com.au/source-assets/documents/compliance/Fees-and-Charges-Schedule-1-July-2021.pdf" }, { "name": "REAL_TIME_GROSS_SETTLEMENT_PAYMENT_FEE", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "25.00" }, "currency": "AUD", "additionalInfo": "Applies where you initiate the transfer of cleared funds, via RTGS, to another financial institution within Australia. The fee is debited to your account at the time the transfer is initiated", "additionalInfoUri": "https://bankofus.com.au/source-assets/documents/compliance/Fees-and-Charges-Schedule-1-July-2021.pdf" } ], "depositRates": [ { "depositRateType": "VARIABLE", "rate": "0.0", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "tiers": [ { "name": "Spring Load_Tier_1", "unitOfMeasure": "DOLLAR", "minimumValue": "0.00", "maximumValue": "24999.99", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalInfoUri": "https://bankofus.com.au/everyday-and-savings-interest-rates" }, { "depositRateType": "VARIABLE", "rate": "0.0", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "tiers": [ { "name": "Spring Load_Tier_2", "unitOfMeasure": "DOLLAR", "minimumValue": "25000.00", "maximumValue": "49999.99", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalInfoUri": "https://bankofus.com.au/everyday-and-savings-interest-rates" }, { "depositRateType": "VARIABLE", "rate": "0.0", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "tiers": [ { "name": "Spring Load_Tier_3", "unitOfMeasure": "DOLLAR", "minimumValue": "50000.00", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalInfoUri": "https://bankofus.com.au/everyday-and-savings-interest-rates" }, { "depositRateType": "BONUS", "rate": "0.025", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "tiers": [ { "name": "Spring Load_Tier_1", "unitOfMeasure": "DOLLAR", "minimumValue": "0.00", "maximumValue": "24999.99", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalInfoUri": "https://bankofus.com.au/everyday-and-savings-interest-rates" }, { "depositRateType": "BONUS", "rate": "0.055", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "tiers": [ { "name": "Spring Load_Tier_2", "unitOfMeasure": "DOLLAR", "minimumValue": "25000.00", "maximumValue": "49999.99", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalInfoUri": "https://bankofus.com.au/everyday-and-savings-interest-rates" }, { "depositRateType": "BONUS", "rate": "0.055", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "tiers": [ { "name": "Spring Load_Tier_3", "unitOfMeasure": "DOLLAR", "minimumValue": "50000.00", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalInfoUri": "https://bankofus.com.au/everyday-and-savings-interest-rates" } ], "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS", "productId": "SpringLoad", "lastUpdated": "2026-11-02T07:36:50.000+11:00", "name": "Spring Load", "description": "The Spring Load account is a maximum period (term) account, which is available to Tasmanian residents who are depositing new money with Bank of us. The maximum period commences on the day the account", "brand": "BNE LTD", "brandName": "Bank of us", "applicationUri": "https://bankofus.com.au/online-application?refer=bank-accounts", "isTailored": false, "additionalInformation": { "overviewUri": "https://bankofus.com.au/bank-accounts", "termsUri": "https://bankofus.com.au/source-assets/documents/compliance/Summary-of-Accounts-Availability-of-Access-Facilities-and-Transaction-Limits-15-July-2024.pdf", "eligibilityUri": "https://bankofus.com.au/source-assets/documents/compliance/Summary-of-Accounts-Availability-of-Access-Facilities-and-Transaction-Limits-15-July-2024.pdf", "feesAndPricingUri": "https://bankofus.com.au/source-assets/documents/compliance/Fees-and-Charges-Schedule-1-July-2021.pdf" } } }