{
  "snapshot_at": "2026-10-22T13:24:41Z",
  "brand": "Central West CUL",
  "brand_slug": "central-west-cul",
  "product_id": "S90_Business",
  "cdr_url": "https://ib.cwcu.com.au/openbanking/cds-au/v1/banking/products/S90_Business",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://ib.cwcu.com.au/openbanking/cds-au/v1/banking/products/S90_Business'",
  "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": "CARD_ACCESS",
        "additionalValue": "Visa debit card"
      },
      {
        "featureType": "DIGITAL_BANKING"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Apple, Samsung & Google Pay"
      },
      {
        "featureType": "FREE_TXNS",
        "additionalValue": "4",
        "additionalInfo": "4 Free over the counter withdrawals per month"
      },
      {
        "featureType": "FREE_TXNS",
        "additionalValue": "8",
        "additionalInfo": "8 Free EFTPOS transactions per month"
      },
      {
        "featureType": "FREE_TXNS",
        "additionalValue": "3",
        "additionalInfo": "3 fee Bank@Post transactions per month"
      },
      {
        "featureType": "UNLIMITED_TXNS"
      },
      {
        "featureType": "UNLIMITED_TXNS"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Funds at call"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Australian Residents only"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Minimum age 18 applies if applying for a overdraft"
      }
    ],
    "fees": [
      {
        "name": "DECLINED_ATM/EFT_FEE",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.50"
        },
        "currency": "AUD",
        "discounts": [
          {
            "description": "Under 18 years of age",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "1.50"
            }
          }
        ]
      },
      {
        "name": "DIRECT_DEBIT_REJECTION_FEE",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD"
      },
      {
        "name": "DORMANT_ACCOUNT_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD",
        "additionalInfo": "Charged after 2 years of inactivity"
      },
      {
        "name": "EFTPOS",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.50"
        },
        "currency": "AUD",
        "additionalInfo": "Discounts apply",
        "discounts": [
          {
            "description": "Relationship Balance",
            "discountType": "BALANCE",
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "50000.00"
            },
            "additionalValue": "Relationship Balance >$50,000"
          },
          {
            "description": "Under 21 years of age",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "0.90"
            }
          }
        ]
      },
      {
        "name": "MONTHLY_VISA_CARD_FEE",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.00"
        },
        "currency": "AUD",
        "additionalValue": "Fee per card",
        "additionalInfo": "Fee is applicable to active cards only",
        "discounts": [
          {
            "description": "Relationship Balance",
            "discountType": "BALANCE",
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "50000.00"
            },
            "additionalValue": "Relationship Balance >$50,000"
          },
          {
            "description": "Under 16 years of age",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "2.50"
            }
          }
        ]
      },
      {
        "name": "OVERDRAFT_ESTABLISHMENT_FEE",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "150.00"
        },
        "currency": "AUD",
        "additionalInfo": "Only applicable when applying for an Overdraft facility"
      },
      {
        "name": "OVERDRAWN_ACCOUNT_FEE",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD"
      },
      {
        "name": "OVER_THE_COUNTER_CASH_WITHDRAWALS",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "1.50"
        },
        "currency": "AUD",
        "additionalInfo": "Discounts apply",
        "discounts": [
          {
            "description": "Under 18 years of age",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "1.50"
            }
          },
          {
            "description": "Relationship Balance",
            "discountType": "BALANCE",
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "50000.00"
            },
            "additionalValue": "Relationship Balance >$50,000"
          }
        ]
      },
      {
        "name": "PAPER_STATEMENT_FEE",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.50"
        },
        "currency": "AUD",
        "additionalValue": "Charged when a paper statement is produced",
        "discounts": [
          {
            "description": "Under 16 years of age",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "2.50"
            }
          }
        ]
      },
      {
        "name": "STAFF_ASSISTED_BPAY_TRANSACTION_FEE",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "1.00"
        },
        "currency": "AUD"
      },
      {
        "name": "STAFF_ASSISTED_DIRECT_TRANSFER_FEE",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD",
        "additionalInfo": "$10 for immediate transfer"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0115",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "S90 Business Smart_Tier_1",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "4999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.012",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "S90 Business Smart_Tier_2",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "5000.00",
            "maximumValue": "9999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.013",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "S90 Business Smart_Tier_3",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "10000.00",
            "maximumValue": "24999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.014",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "S90 Business Smart_Tier_4",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "25000.00",
            "maximumValue": "49999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0175",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "S90 Business Smart_Tier_5",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "50000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER"
      }
    ],
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "S90_Business",
    "effectiveFrom": "2021-03-25T00:00:00.000+11:00",
    "lastUpdated": "2026-04-14T09:20:34.000+10:00",
    "name": "S90 Business Smart",
    "description": "Transactional Account for Business customers",
    "brand": "CENTRAL WEST CREDIT UNION LTD",
    "brandName": "CENTRAL WEST CREDIT UNION LTD",
    "applicationUri": " https://www.cwcu.com.au/lending/apply-for-a-loan",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.cwcu.com.au/savings/on-call-savings",
      "termsUri": "https://www.cwcu.com.au/disclosure-documents/conditions-of-use",
      "eligibilityUri": "https://www.cwcu.com.au/savings/on-call-savings",
      "feesAndPricingUri": "%20https://www.cwcu.com.au/disclosure-documents/fees-and-charges",
      "bundleUri": "%20https://www.cwcu.com.au/lending/apply-for-a-loan"
    }
  }
}