{
  "snapshot_at": "2026-10-22T13:24:44Z",
  "brand": "CommFCU",
  "brand_slug": "commfcu",
  "product_id": "S14-EP",
  "cdr_url": "https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/S14-EP",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/S14-EP'",
  "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": "BILL_PAYMENT",
        "additionalValue": "BPAY",
        "additionalInfo": "Ability to pay bills via BPAY"
      },
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "Optional Debit Card",
        "additionalInfo": "Visa Debit Card"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Via the Community First Mobile App and Internet Banking"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Apple Pay",
        "additionalInfo": "Leave your wallet at home and make payments on the go with Apple Pay."
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalInfo": "Ability to transact using Osko and PayID"
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": "Setup and manage your PayID via the Community First Mobile App or Internet Banking"
      },
      {
        "featureType": "OVERDRAFT",
        "additionalInfo": "Credit eligibility criteria, terms and conditions, fees and charges apply"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Google Pay",
        "additionalInfo": "Leave your wallet at home and make payments on the go with Google Pay."
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Samsung Pay",
        "additionalInfo": "Leave your wallet at home and make payments on the go with Samsung Pay."
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "55",
        "additionalInfo": "Account holders must be aged 55 years or older"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Available for Self-Managed Super Funds"
      }
    ],
    "fees": [
      {
        "name": "ATM_WITHDRAWAL/CASH_ADVANCE_OVERSEAS",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD",
        "additionalInfo": "Applicable on all cards",
        "additionalInfoUri": "https://communityfirst.com.au/tools/rates-and-fees"
      },
      {
        "name": "OVER_THE_COUNTER_CASH_WITHDRAWAL",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "1.50"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://communityfirst.com.au/tools/rates-and-fees"
      },
      {
        "name": "BANK@POST_WITHDRAWAL,_CASH_ADVANCE_OR_CASH_DEPOSIT",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.00"
        },
        "currency": "AUD",
        "additionalInfo": "Deposit or withdraw cash via Bank@Post",
        "additionalInfoUri": "https://communityfirst.com.au/tools/rates-and-fees"
      },
      {
        "name": "BANK@POST_CHEQUE_DEPOSIT",
        "feeType": "DEPOSIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.00"
        },
        "currency": "AUD",
        "additionalInfo": "Cheque deposits",
        "additionalInfoUri": "https://communityfirst.com.au/tools/rates-and-fees"
      },
      {
        "name": "STAFF_ASSISTED_TRANSFER",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://communityfirst.com.au/tools/rates-and-fees"
      },
      {
        "name": "CARD_EXTRACTION_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "45.00"
        },
        "currency": "AUD",
        "additionalInfo": "Charged on the day of the request",
        "additionalInfoUri": "https://communityfirst.com.au/tools/rates-and-fees"
      },
      {
        "name": "VISA_CHARGEBACKS",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "25.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://communityfirst.com.au/tools/rates-and-fees"
      },
      {
        "name": "INACTIVE_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://communityfirst.com.au/tools/rates-and-fees"
      },
      {
        "name": "DORMANCY_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfo": "Applicable on all savings accounts",
        "additionalInfoUri": "https://communityfirst.com.au/tools/rates-and-fees"
      },
      {
        "name": "OVERDRAWN_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD",
        "additionalInfo": "Charged last day monthly",
        "additionalInfoUri": "https://communityfirst.com.au/tools/rates-and-fees"
      },
      {
        "name": "DISHONOUR_-_DIRECT_DEBIT",
        "feeType": "DISHONOUR",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfo": "Charged on the day of the dishonour",
        "additionalInfoUri": "https://communityfirst.com.au/tools/rates-and-fees"
      },
      {
        "name": "DISHONOUR_-_PERIODICAL_PAYMENT",
        "feeType": "DISHONOUR",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfo": "Charged on the day of the dishonour",
        "additionalInfoUri": "https://communityfirst.com.au/tools/rates-and-fees"
      },
      {
        "name": "ACCOUNT_COMBINATION_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://communityfirst.com.au/tools/rates-and-fees"
      },
      {
        "name": "FORCED_PAYMENT",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfo": "Charged on the day",
        "additionalInfoUri": "https://communityfirst.com.au/tools/rates-and-fees"
      },
      {
        "name": "EFT_INVESTIGATION_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "35.00"
        },
        "currency": "AUD",
        "additionalInfo": "Includes NPP Payments, incorrect amount transferred; alleged unauthorised transactions; request to recall funds",
        "additionalInfoUri": "https://communityfirst.com.au/tools/rates-and-fees"
      },
      {
        "name": "COPY_OF_STATEMENT_(ALREADY_ISSUED)",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "1.50"
        },
        "currency": "AUD",
        "additionalInfo": "Charged per page. For statements issued prior to January 1997 the fee is $3 per page.",
        "additionalInfoUri": "https://communityfirst.com.au/tools/rates-and-fees"
      },
      {
        "name": "DISHONOUR_FEE_-_CHEQUE_DEPOSIT",
        "feeType": "DISHONOUR",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalInfo": "Charged on the day of the dishonour. At cost.",
        "additionalInfoUri": "https://communityfirst.com.au/tools/rates-and-fees"
      },
      {
        "name": "RETRIEVING_CASHIERING_VOUCHERS_OR_ANY_OTHER_DOCUMENT",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfo": "Charged per item",
        "additionalInfoUri": "https://communityfirst.com.au/tools/rates-and-fees"
      },
      {
        "name": "DRAFTS",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "17.50"
        },
        "currency": "AUD",
        "additionalInfo": "Charged on the day of the transaction",
        "additionalInfoUri": "https://communityfirst.com.au/tools/rates-and-fees"
      },
      {
        "name": "OVERSEAS_TELEGRAPHIC_TRANSFER_(TT)",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://communityfirst.com.au/tools/rates-and-fees"
      },
      {
        "name": "OVERSEAS_TELEGRAPHIC_TRANSFER",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://communityfirst.com.au/tools/rates-and-fees"
      },
      {
        "name": "TRAVELEX_SERVICES",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalInfo": "Charged at cost",
        "additionalInfoUri": "https://communityfirst.com.au/tools/rates-and-fees"
      },
      {
        "name": "FOREIGN_CHEQUE_ENCASHMENT",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "12.50"
        },
        "currency": "AUD",
        "additionalInfo": "For values over $A25,000 the fee applicable is $57.50.",
        "additionalInfoUri": "https://communityfirst.com.au/tools/rates-and-fees"
      },
      {
        "name": "CANCEL_REPLACEMENT_OF_VISA_CARD",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "currency": "AUD",
        "additionalInfo": "Charged in US Dollars",
        "additionalInfoUri": "https://communityfirst.com.au/tools/rates-and-fees"
      },
      {
        "name": "REPLACEMENT_OF_VISA_CARD_(OVERSEAS)_STD",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "55.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://communityfirst.com.au/tools/rates-and-fees"
      },
      {
        "name": "REPLACEMENT_OF_VISA_CARD_(WITHIN_AUS)",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "12.50"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://communityfirst.com.au/tools/rates-and-fees"
      },
      {
        "name": "INTERNATIONAL_TRANSACTION_FEE",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.03",
          "accrualFrequency": "D"
        },
        "currency": "AUD",
        "additionalInfo": "Applies for all transactions (including reversals and cash advances) where you use your card for a foreign currency transaction or for an Australian dollar transaction that is with a foreign merchant or that is processed by an entity or financial institution outside Australia.",
        "additionalInfoUri": "https://communityfirst.com.au/tools/rates-and-fees"
      },
      {
        "name": "EVERYDAY_ACCOUNT_MONTHLY_FEE",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "4.00"
        },
        "currency": "AUD",
        "additionalValue": "P1M",
        "additionalInfo": "Charged at the end of the month",
        "additionalInfoUri": "https://communityfirst.com.au/tools/rates-and-fees"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.001",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P3M",
        "tiers": [
          {
            "name": "Everyday Plus_Tier_1",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "9999.99",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalInfoUri": "https://communityfirst.com.au/products/everyday-plus/"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0175",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P3M",
        "tiers": [
          {
            "name": "Everyday Plus_Tier_2",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "10000.00",
            "maximumValue": "99999.99",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalInfoUri": "https://communityfirst.com.au/products/everyday-plus/"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0275",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P3M",
        "tiers": [
          {
            "name": "Everyday Plus_Tier_3",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "100000.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalInfoUri": "https://communityfirst.com.au/products/everyday-plus/"
      }
    ],
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "cardArt": [
      {
        "cardScheme": "VISA",
        "cardType": "DEBIT",
        "title": "CFB Visa Debit Card",
        "imageUri": "https://cms.communityfirst.com.au/wp-content/uploads/2026/05/CFB-Visa-Debit-Card.png"
      }
    ],
    "productId": "S14-EP",
    "effectiveFrom": "2026-10-16T00:00:00.000+11:00",
    "lastUpdated": "2026-10-16T17:05:19.000+11:00",
    "name": "Everyday Plus",
    "description": "An everyday transaction account for members who are aged 55+. For one monthly fee, enjoy interest paid on balances and a range of ways to bank for added convenience.",
    "brand": "C",
    "brandName": "Community First Credit Union",
    "applicationUri": "https://communityfirst.com.au/products/everyday-plus/",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://communityfirst.com.au/products/everyday-plus/",
      "termsUri": "https://communityfirst.com.au/support/important-information/disclosure-documents",
      "eligibilityUri": "https://communityfirst.com.au/products/everyday-plus/",
      "feesAndPricingUri": "https://communityfirst.com.au/tools/rates-and-fees"
    }
  }
}