{
  "snapshot_at": "2026-10-22T13:24:52Z",
  "brand": "Dnister",
  "brand_slug": "dnister",
  "product_id": "16",
  "cdr_url": "https://public.cdr-api.dnister.com.au/cds-au/v1/banking/products/16",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://public.cdr-api.dnister.com.au/cds-au/v1/banking/products/16'",
  "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": "16",
    "effectiveFrom": "2013-08-19T14:30:00.0000000Z",
    "lastUpdated": "2026-03-23T00:35:33.6948839Z",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Community Access",
    "description": "Daily account for community groups.",
    "brand": "Dnister Bank",
    "applicationUri": "https://www.dnister.com.au/wp-content/uploads/2023/03/MS-0323-Community-Access-Application.pdf",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.dnister.com.au/portfolio-items/community-access",
      "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-access",
      "feesAndPricingUri": "https://www.dnister.com.au/fees-and-charges/"
    },
    "features": [
      {
        "featureType": "ADDITIONAL_CARDS",
        "additionalInfo": "This product can have additional cards attached to the account."
      },
      {
        "featureType": "BILL_PAYMENT",
        "additionalInfo": "BPAY payments is enabled on this product."
      },
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "Card Access available",
        "additionalInfo": "Visa Debit card and Cuecard available for this product."
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Access to your accounts 24/7 with our Mobile App and Online Banking."
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalInfo": "This product can send and receive Osko payments in realtime.",
        "additionalInfoUri": "https://www.dnister.com.au/osko-payments/"
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": "This product can be linked with PayID, making it simpler to transfer funds between banks.",
        "additionalInfoUri": "https://www.dnister.com.au/payid/"
      },
      {
        "featureType": "UNLIMITED_TXNS",
        "additionalInfo": "This product has fee free transactions.",
        "additionalInfoUri": "https://www.dnister.com.au/fees-and-charges/"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "BUSINESS"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "This product is only available to community groups."
      }
    ],
    "fees": [
      {
        "name": "Dormant Account",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "35.00"
        },
        "currency": "AUD",
        "additionalValue": "P1Y"
      },
      {
        "name": "Paper Statement Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "4.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Paper Statement Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "6.00"
        },
        "currency": "AUD"
      }
    ],
    "depositRates": []
  }
}