{
  "snapshot_at": "2026-10-22T13:24:39Z",
  "brand": "Central Murray Bank",
  "brand_slug": "central-murray-bank",
  "product_id": "S65_Std",
  "cdr_url": "https://secure.centralmurray.bank/openbanking/cds-au/v1/banking/products/S65_Std",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://secure.centralmurray.bank/openbanking/cds-au/v1/banking/products/S65_Std'",
  "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": "NPP_ENABLED",
        "additionalInfoUri": "https://www.centralmurray.bank/support/regulatory/disclosure-statements/"
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfoUri": "https://www.centralmurray.bank/support/regulatory/disclosure-statements/"
      },
      {
        "featureType": "CARD_ACCESS",
        "additionalInfoUri": "https://www.centralmurray.bank/support/regulatory/disclosure-statements/"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "PENSION_RECIPIENT",
        "additionalInfoUri": "https://www.centralmurray.bank/support/regulatory/disclosure-statements/"
      }
    ],
    "fees": [
      {
        "name": "ATM_TRANSACTIONS",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.75"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.centralmurray.bank/personal-banking/fees-charges-and-rewards/"
      },
      {
        "name": "CORPORATE_CHEQUE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.cmcu.com.au/savings__investments/fees_charges_rewards"
      },
      {
        "name": "DECLINED_ATM_FEE",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.75"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.cmcu.com.au/savings__investments/fees_charges_rewards"
      },
      {
        "name": "DECLINED_EFTPOS_FEE",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.75"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.cmcu.com.au/savings__investments/fees_charges_rewards"
      },
      {
        "name": "DEPOSITED_CHEQUE_DISHONOUR_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.cmcu.com.au/savings__investments/fees_charges_rewards"
      },
      {
        "name": "DIRECT_DEBIT_DISHONOUR",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.cmcu.com.au/savings__investments/fees_charges_rewards"
      },
      {
        "name": "DIRECT_DEBIT_PROCESSING",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.20"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.cmcu.com.au/savings__investments/fees_charges_rewards"
      },
      {
        "name": "DIRECT_DEBIT_VIA_MEMBER_CHEQUING",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.cmcu.com.au/savings__investments/fees_charges_rewards"
      },
      {
        "name": "EFTPOS_CHARGE",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.75"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.cmcu.com.au/savings__investments/fees_charges_rewards"
      },
      {
        "name": "FUTURE_DATED_BPAY",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.50"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.cmcu.com.au/savings__investments/fees_charges_rewards"
      },
      {
        "name": "FUTURE_DATED_EFT_-_EXTERNAL",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.50"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.cmcu.com.au/savings__investments/fees_charges_rewards"
      },
      {
        "name": "FUTURE_DATED_OSKO",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.20"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.cmcu.com.au/savings__investments/fees_charges_rewards"
      },
      {
        "name": "MEMBER_CHEQUE_BOOK_-_100_CHEQUES",
        "feeType": "PURCHASE",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "8.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.cmcu.com.au/savings__investments/fees_charges_rewards"
      },
      {
        "name": "MEMBER_CHEQUE_BOOK_-_25_CHEQUES",
        "feeType": "PURCHASE",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "3.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.cmcu.com.au/savings__investments/fees_charges_rewards"
      },
      {
        "name": "MEMBER_CHEQUE_BOOK_-_50_CHEQUES",
        "feeType": "PURCHASE",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.cmcu.com.au/savings__investments/fees_charges_rewards"
      },
      {
        "name": "MEMBER_CHEQUE_PRESENTMENT_FEE",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.40"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.cmcu.com.au/savings__investments/fees_charges_rewards"
      },
      {
        "name": "MEMBER_CHEQUE_STOP_PAYMENT",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.cmcu.com.au/savings__investments/fees_charges_rewards"
      },
      {
        "name": "OTC_BPAY",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.50"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.centralmurray.bank/personal-banking/fees-charges-and-rewards/"
      },
      {
        "name": "OTC_CASH_WITHDRAWAL",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.50"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.cmcu.com.au/savings__investments/fees_charges_rewards"
      },
      {
        "name": "OTC_EFT_EXTERNAL",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.50"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.cmcu.com.au/savings__investments/fees_charges_rewards"
      },
      {
        "name": "OTC_TRANSFERS",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.50"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.cmcu.com.au/savings__investments/fees_charges_rewards"
      },
      {
        "name": "OVERSEAS_VISA_DEBIT_ATM_WITHDRAWAL",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.cmcu.com.au/savings__investments/fees_charges_rewards"
      },
      {
        "name": "VISA_SERVICE_FEE",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "3.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.cmcu.com.au/savings__investments/fees_charges_rewards"
      }
    ],
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "S65_Std",
    "lastUpdated": "2026-07-31T14:38:38.000+10:00",
    "name": "PENSIONER SINGLE",
    "description": "PENSIONER SINGLE",
    "brand": "CENTRAL MURRAY CREDIT UNION LIMITED",
    "brandName": "CENTRAL MURRAY CREDIT UNION LIMITED",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.centralmurray.bank/personal-banking/transactional-accounts/pensioner-accounts/",
      "termsUri": "https://www.centralmurray.bank/support/regulatory/disclosure-statements/",
      "eligibilityUri": "https://www.centralmurray.bank/support/regulatory/disclosure-statements/",
      "feesAndPricingUri": "https://www.centralmurray.bank/support/regulatory/disclosure-statements/"
    }
  }
}