{
  "snapshot_at": "2026-11-13T01:41:27Z",
  "brand": "CommBank",
  "brand_slug": "commbank",
  "product_id": "e78c63efd0f64a32a9db0899e2caf301",
  "cdr_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/e78c63efd0f64a32a9db0899e2caf301",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://api.commbank.com.au/public/cds-au/v1/banking/products/e78c63efd0f64a32a9db0899e2caf301'",
  "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": "Business Visa Debit Card",
        "additionalInfo": "Access your own business funds to pay bills and suppliers online, over the phone or in person.",
        "additionalInfoUri": "https://www.commbank.com.au/business/bank-accounts/business-visa-debit-card.html"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Streamline your business banking and save time with automatic data feeds from your online banking to your accounting software.",
        "additionalInfoUri": "https://www.commbank.com.au/business/automated-bank-feeds-to-accounting-software.html"
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": "Rather than wait hours or days for payments from another bank to clear, receive money almost instantly, so you know exactly where your business stands financially.",
        "additionalInfoUri": "https://www.commbank.com.au/digital-banking/pay-id.html"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Access a range of travel benefits through Travel Booking (provided by Hopper) for eligible customers.",
        "additionalInfoUri": "https://www.commbank.com.au/travel/travel-booking.html"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Regardless of your business structure and needs, we have an online banking solution that will suit you.",
        "additionalInfoUri": "https://www.commbank.com.au/business/online-banking/compare-netbank-and-commbiz.html"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No monthly account fee means one less expense and more money raised going towards those you are helping.",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/business/pds/ADB2916.pdf"
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalInfo": "Pay and receive payments in realtime.",
        "additionalInfoUri": "https://www.commbank.com.au/personal/apply-online/download-printed-forms/ElectronicBanking_ADB2426.pdf"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "You may apply to establish an overdraft limit on an eligible account. Applications are subject to our normal credit approval.",
        "additionalInfoUri": "https://www.commbank.com.au/business/loans-and-finance/business-overdraft.html"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "If you have a Business Transaction Account or a Society Cheque Account and you do not want us to honour payments which will cause that account to become informally overdrawn, you can request that we disable this overdraw feature on your account.",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/business/pds/ADB2916.pdf"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Use QR Cardless to withdraw cash or deposit notes, coins and cheques (subject to product eligibility) by using the latest version of the CommBank app to scan a QR code at a compatible CommBank ATM.",
        "additionalInfoUri": "https://www.commbank.com.au/digital-banking/qr-cardless.html"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "The standard statement cycle of Society Cheque Account is every four months.",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/business/pds/ADB2916.pdf"
      },
      {
        "featureType": "UNLIMITED_TXNS",
        "additionalInfo": "CommBank over-the-counter and electronic transactions are free, so you can direct more funds to what matters most. Excludes non-Commonwealth Bank ATMs here and all ATMs overseas, EFTPOS transactions overseas, transfer group payments to third parties, international money transfers, CommBiz and NetBank service fees and separate services such as bank cheques, periodic payments and transfers/deposits to other banks. Wholesale relationship managed customers may be notified at any time that their account is subject to transaction fees on electronic transactions and Commonwealth ATM cash withdrawals.",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/business/pds/ADB2916.pdf"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "16",
        "additionalInfo": "A minor under the age of 16 years old cannot open or be a signatory to a non personal account. They can only be a signatory if there is at least one adult signatory, i.e. a person over 18 years old, and the method of operation for the account is at least one adult must sign each transaction.",
        "additionalInfoUri": "https://www.commbank.com.au/business/bank-accounts/society-cheque-account.html"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Check you're an eligible organisation or association. If you're not, see our other business accounts.",
        "additionalInfoUri": "https://www.commbank.com.au/business/bank-accounts/society-cheque-account.html"
      }
    ],
    "fees": [
      {
        "name": "Dishonour fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD",
        "additionalInfo": "Charged to the account, due to insufficient available funds, when we are unable to debit the account.",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/business/pds/ADB2916.pdf"
      },
      {
        "name": "Overdraw Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD",
        "additionalInfo": "A fee charged when you exceed the available funds in your account or any agreed overdraft limit on a given day. Additional interest may apply on overdrawn amounts.",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/business/pds/ADB2916.pdf"
      },
      {
        "name": "Access fee - Overseas transactions",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.035",
          "amountRange": {
            "feeMinimum": "5.00"
          }
        },
        "currency": "AUD",
        "additionalInfo": "Any other cash withdrawal overseas: AUD $5 plus 3.5% of the transaction value.",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/business/pds/ADB2916.pdf"
      },
      {
        "name": "Access fee - Overseas transactions",
        "feeType": "PURCHASE",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.035"
        },
        "currency": "AUD",
        "additionalInfo": "Maestro (EFTPOS) or Visa Debit Card or Debit MasterCard purchase in Australian dollars: 3.5% of the transaction value.",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/business/pds/ADB2916.pdf"
      },
      {
        "name": "Access fee - Overseas transactions",
        "feeType": "PURCHASE",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.035"
        },
        "currency": "AUD",
        "additionalInfo": "Maestro (EFTPOS) or Visa Debit Card or Debit MasterCard purchase in foreign currency: 3.5% of the transaction value.",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/business/pds/ADB2916.pdf"
      },
      {
        "name": "Withdrawals or transfers made via telephone banking with operator assistance",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalInfo": "Withdrawals or transfers made via telephone banking using an operator.",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/business/pds/ADB2916.pdf"
      },
      {
        "name": "CommBank ATMs outside Australia",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.035",
          "amountRange": {
            "feeMinimum": "5.00",
            "feeMaximum": "5.00"
          }
        },
        "currency": "AUD",
        "additionalInfo": "The fee is charged to the account at the time of the withdrawal. This fee may be charged for each withdrawal you make through ATMs and Maestro, Cirrus, MasterCard or Visa Plus networks outside Australia.",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/business/pds/ADB2916.pdf"
      },
      {
        "name": "Assisted transactions",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalInfo": "Withdrawals made over the counter at a Commonwealth Bank branch, Australia Post office or private agency (including EFTPOB/Bank@Post).",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/business/pds/ADB2916.pdf"
      },
      {
        "name": "Cheques transactions",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalInfo": "Cheques written by you and negotiated through the clearing system.",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/business/pds/ADB2916.pdf"
      },
      {
        "name": "Assisted transactions",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalInfo": "Cheques drawn on your account and cashed over-the-counter at any Commonwealth Bank branch.",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/business/pds/ADB2916.pdf"
      },
      {
        "name": "Assisted deposits",
        "feeType": "DEPOSIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalInfo": "Deposits made over the counter at a Commonwealth Bank branch, Australia Post office or private agency (including EFTPOB/Bank@Post).",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/business/pds/ADB2916.pdf"
      },
      {
        "name": "Quick Deposits",
        "feeType": "DEPOSIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalInfo": "Quick deposit box & Quickcash envelopes.",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/business/pds/ADB2916.pdf"
      },
      {
        "name": "Cheque transactions",
        "feeType": "DEPOSIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalInfo": "Cheques deposited to your account (including cheques deposited via Quick Deposits or QuickCash envelope banking).",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/business/pds/ADB2916.pdf"
      },
      {
        "name": "Electronic transactions",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalInfo": "Customers with a Society Cheque Account are entitled to electronic transactions. Please note Access, CommbBiz and NetBank Service Fees may apply",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/business/pds/ADB2916.pdf"
      },
      {
        "name": "Monthly Account fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalValue": "P1M",
        "additionalInfo": " No monthly account keeping fees.",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/business/pds/ADB2916.pdf"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.1693",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OTHER",
        "tiers": [
          {
            "name": "BALANCE",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.01",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfo": "For each day your account remains overdrawn, Excess Debit Interest will be applied. This does not apply to accounts with an overdraft limit.",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/business/pds/ADB2916.pdf"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.1793",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OTHER",
        "tiers": [
          {
            "name": "BALANCE",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "0.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfo": "For each day your account remains overdrawn, Excess Debit Interest will be applied. This does not apply to accounts with an overdraft limit.",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/business/pds/ADB2916.pdf"
      }
    ],
    "productId": "e78c63efd0f64a32a9db0899e2caf301",
    "lastUpdated": "2026-11-13T12:01:02.000Z",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Society Cheque Account",
    "description": "A transaction account for eligible not-for-profit and community organisations and associations, and organisations that operate for the benefit of the wider community. You can set one up in any of our branches.",
    "brand": "CBA",
    "brandName": "CommBank",
    "applicationUri": "https://www.commbank.com.au/business/bank-accounts/society-cheque-account.html",
    "isTailored": true,
    "additionalInformation": {
      "overviewUri": "https://www.commbank.com.au/business/bank-accounts/society-cheque-account.html",
      "termsUri": "https://www.commbank.com.au/content/dam/commbank/business/pds/ADB2916.pdf",
      "eligibilityUri": "https://www.commbank.com.au/content/dam/tmd/Society-Cheque-Account/societychequeaccount-tmd.pdf",
      "feesAndPricingUri": "https://www.commbank.com.au/content/dam/commbank/business/pds/ADB2916.pdf"
    },
    "cardArt": [
      {
        "cardScheme": "VISA",
        "cardType": "DEBIT",
        "title": "Business Visa Debit Card",
        "imageUri": "https://www.commbank.com.au/content/dam/commbank-assets/open-banking/bvdc-header.jpg"
      }
    ]
  }
}