{
  "snapshot_at": "2026-10-22T13:24:56Z",
  "brand": "Geelong Bank",
  "brand_slug": "geelong-bank",
  "product_id": "S2",
  "cdr_url": "https://online.geelongbank.com.au/OpenBanking/cds-au/v1/banking/products/S2",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://online.geelongbank.com.au/OpenBanking/cds-au/v1/banking/products/S2'",
  "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": "NPP_ENABLED"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "Track credits with SMS and email alerts"
      },
      {
        "featureType": "DIGITAL_BANKING"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Your funds are only available from the 1 November to 31 January to remove the temptation of spending prior to Christmas"
      },
      {
        "featureType": "NPP_PAYID"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No monthly access fee."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "One free transaction is permitted outside the available period"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "eStatements available"
      },
      {
        "featureType": "FRAUD_PROTECTION"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_BALANCE",
        "additionalValue": "1.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "You must be a member and resident of Australia",
        "additionalInfoUri": "https://geelongbank.com.au/about-us/why-join-geelong-bank/"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Individuals must be citizens or permanent residents of Australia."
      }
    ],
    "fees": [
      {
        "name": "DORMANT_ADMIN_FEE",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalValue": "P1Y",
        "additionalInfoUri": "https://geelongbank.com.au/savings-loans/rates-fees/deposit-account-interest-rates/"
      },
      {
        "name": "STATEMENT_REPL_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "3.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://geelongbank.com.au/savings-loans/rates-fees/deposit-account-interest-rates/"
      },
      {
        "name": "TELEGRAPHIC_TSF_FEE_STAFF_ASSISTED_FEE",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://geelongbank.com.au/savings-loans/rates-fees/deposit-account-interest-rates/"
      },
      {
        "name": "TELEGRAPHIC_TSF_ONLINE_FEE",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://geelongbank.com.au/savings-loans/rates-fees/deposit-account-interest-rates/"
      },
      {
        "name": "PERIODICAL_PYT_VARIATION_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "3.50"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://geelongbank.com.au/savings-loans/rates-fees/deposit-account-interest-rates/"
      },
      {
        "name": "TELEGRAPHIC_TSF_AUD",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD"
      },
      {
        "name": "STATEMENT_REPL_PREV_MTH",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "3.00"
        },
        "currency": "AUD"
      },
      {
        "name": "VOUCHER_RECORD_SEARCH",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "40.00"
        },
        "currency": "AUD"
      },
      {
        "name": "VOUCHER_RETRIEVAL_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "40.00"
        },
        "currency": "AUD"
      },
      {
        "name": "COIN_HANDLING_OVER_$100_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.00"
        },
        "currency": "AUD",
        "additionalInfo": "over $100 cost $2 per $200"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0375",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M"
      }
    ],
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "S2",
    "lastUpdated": "2026-10-14T10:19:20.000+11:00",
    "name": "Christmas Club Account",
    "description": "A Christmas Club account is a great way to save for Christmas",
    "brand": "FORD COOPERATIVE CREDIT SOCIETY",
    "brandName": "GEELONG BANK",
    "applicationUri": "https://geelongbank.com.au/tools/forms/savings-account-application/",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://geelongbank.com.au/savings-loans/savings-investment-accounts/early-bird-christmas-club-account/",
      "termsUri": "https://geelongbank.com.au/about-us/disclosures-publications/",
      "eligibilityUri": "https://geelongbank.com.au/about-us/why-join-geelong-bank/",
      "feesAndPricingUri": "https://geelongbank.com.au/savings-loans/rates-fees/deposit-account-interest-rates/"
    }
  }
}