{
  "snapshot_at": "2026-11-13T01:41:39Z",
  "brand": "Dnister",
  "brand_slug": "dnister",
  "product_id": "15",
  "cdr_url": "https://public.cdr-api.dnister.com.au/cds-au/v1/banking/products/15",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://public.cdr-api.dnister.com.au/cds-au/v1/banking/products/15'",
  "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": {
    "productId": "15",
    "effectiveFrom": "2013-04-28T14:30:00.0000000Z",
    "lastUpdated": "2026-11-13T00:00:38.9826984Z",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "My Community Saver",
    "description": "A great, high interest earning savings account that has been designed with our community conscious members in mind.",
    "brand": "Dnister Bank",
    "applicationUri": "https://www.dnister.com.au/wp-content/uploads/2023/03/MS-0323-Savings-Account-Application.pdf",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.dnister.com.au/portfolio-items/community-saver",
      "termsUri": "https://www.dnister.com.au/wp-content/uploads/2025/10/PDS-FSG-Update-28-October-2025.pdf",
      "eligibilityUri": "https://www.dnister.com.au/portfolio-items/community-saver",
      "feesAndPricingUri": "https://www.dnister.com.au/fees-and-charges/"
    },
    "features": [
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Access your account 24/7 with our Mobile App and Online Banking."
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalInfo": "This product can send and receive Osko payments in realtime."
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": "This product can be linked with PayID, making it simpler to transfer funds between banks."
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "This product is only available to members who are registered for Online Banking."
      }
    ],
    "fees": [
      {
        "name": "Dormant Account",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "35.00"
        },
        "currency": "AUD",
        "additionalValue": "P1Y"
      },
      {
        "name": "ATM / EFTPOS dispute",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "45.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Bank Cheque Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "12.00"
        },
        "currency": "AUD"
      },
      {
        "name": "BPAY Trans Investigation",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Corporate Cheque Stop Request",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "12.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Inter Credit Union Withdrawal",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Presented Stopped Cheque Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "35.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Copy of statement of accounts",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "6.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Member Cheque Copy Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Mbr Chq / PP Trace Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "60.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Foreign Cash/Chq/Travel Money",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Foreign Cash/Cheque Deposit",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Thomas Cook Draft Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD"
      },
      {
        "name": "BPAY/PP Returned Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "25.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Inward Cheque Dishonour Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Copy of Interest Summary",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Paper Statement Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "4.00"
        },
        "currency": "AUD",
        "discounts": [
          {
            "description": "Only customers older than a minimum age receive the discount",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "rateBased",
            "rateBased": {
              "rateType": "FEE",
              "rate": "1.0",
              "amountRange": {}
            },
            "eligibility": [
              {
                "discountEligibilityType": "MIN_AGE",
                "additionalValue": "67"
              }
            ]
          }
        ]
      },
      {
        "name": "Paper Statement Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "6.00"
        },
        "currency": "AUD",
        "discounts": [
          {
            "description": "Only customers older than a minimum age receive the discount",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "rateBased",
            "rateBased": {
              "rateType": "FEE",
              "rate": "1.0",
              "amountRange": {}
            },
            "eligibility": [
              {
                "discountEligibilityType": "MIN_AGE",
                "additionalValue": "67"
              }
            ]
          }
        ]
      },
      {
        "name": "Honour Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.10"
        },
        "currency": "AUD"
      },
      {
        "name": "Honour Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Dishonour of Direct Debit",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Dishonour of Direct Debit",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "25.00"
        },
        "currency": "AUD"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "BONUS",
        "rate": "0.0077",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1Y",
        "additionalValue": "Dnister Benefit Contribution",
        "additionalInfo": "Dnister pays a contribution based on the applicable interest rate and daily balance of a My Community Saver Account. This contribution is paid into the nominated eligible community organisation's Community Access Account."
      }
    ]
  }
}