{
  "snapshot_at": "2026-11-10T03:14:03Z",
  "brand": "gmcu",
  "brand_slug": "gmcu",
  "product_id": "My_Business",
  "cdr_url": "https://secure.gmcu.com.au/OpenBanking/cds-au/v1/banking/products/My_Business",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://secure.gmcu.com.au/OpenBanking/cds-au/v1/banking/products/My_Business'",
  "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"
      },
      {
        "featureType": "CARD_ACCESS"
      },
      {
        "featureType": "DIGITAL_BANKING"
      },
      {
        "featureType": "NPP_ENABLED"
      },
      {
        "featureType": "NPP_PAYID"
      },
      {
        "featureType": "OVERDRAFT"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "BUSINESS"
      }
    ],
    "fees": [
      {
        "name": "CHEQUES_YOU_DEPOSIT",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.20"
        },
        "currency": "AUD",
        "additionalInfo": "Fee for every cheque you deposit to your account",
        "additionalInfoUri": "https://www.gmcu.com.au/pds"
      },
      {
        "name": "ATM_BALANCE_ENQUIRY",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.50"
        },
        "currency": "AUD",
        "additionalInfo": "Each time a balance enquiry is requested at an ATM",
        "additionalInfoUri": "https://www.gmcu.com.au/pds"
      },
      {
        "name": "DECLINED_ATM_OR_EFTPOS_TRANSACTION",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "1.00"
        },
        "currency": "AUD",
        "additionalInfo": "Each time an ATM or EFTPOS transaction is declined",
        "additionalInfoUri": "https://www.gmcu.com.au/pds"
      },
      {
        "name": "CARD_PURCHASE,_EFTPOS,_ATM",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.75"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.gmcu.com.au/pds",
        "discounts": [
          {
            "description": "My Everyday - Savings or loan balance fee exemption",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "0.75"
            },
            "additionalInfoUri": "https://www.gmcu.com.au/pds",
            "eligibility": [
              {
                "discountEligibilityType": "OTHER",
                "additionalInfo": "qualifying home loans > $10k in the same member number"
              },
              {
                "discountEligibilityType": "OTHER",
                "additionalInfo": "Term deposit is held >$150k in the same member number"
              }
            ]
          },
          {
            "description": "My Everyday- Card Purchase Fee cap",
            "discountType": "FEE_CAP",
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "0.75"
            },
            "additionalValue": "a cap of $12.00 per month applies",
            "additionalInfoUri": "https://www.gmcu.com.au/pds",
            "eligibility": [
              {
                "discountEligibilityType": "OTHER",
                "additionalInfo": "a cap of $12.00 per month applies"
              }
            ]
          },
          {
            "description": "My Everyday - Card Purchase Fee free allowance",
            "discountType": "FEE_CAP",
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "0.75"
            },
            "additionalValue": "The first 15 transactions each month are free",
            "additionalInfoUri": "https://www.gmcu.com.au/pds"
          }
        ]
      },
      {
        "name": "ELECTRONIC_WITHDRAWALS",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.50"
        },
        "currency": "AUD",
        "additionalInfo": "Electronic withdrawal by periodical payment, direct debit or internet banking",
        "additionalInfoUri": "https://www.gmcu.com.au/pds"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0001",
        "calculationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1Y",
        "tiers": [
          {
            "name": "My Business_Tier_1",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "4999.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalInfoUri": "https://www.gmcu.com.au/help/interest-rates/deposit-rates/"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0001",
        "calculationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1Y",
        "tiers": [
          {
            "name": "My Business_Tier_2",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "4999.01",
            "maximumValue": "24999.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalInfoUri": "https://www.gmcu.com.au/help/interest-rates/deposit-rates/"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.001",
        "calculationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1Y",
        "tiers": [
          {
            "name": "My Business_Tier_3",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "24999.01",
            "maximumValue": "49999.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalInfoUri": "https://www.gmcu.com.au/help/interest-rates/deposit-rates/"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.001",
        "calculationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1Y",
        "tiers": [
          {
            "name": "My Business_Tier_4",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "49999.01",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalInfoUri": "https://www.gmcu.com.au/help/interest-rates/deposit-rates/"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER",
        "additionalInfoUri": "https://www.gmcu.com.au/help/interest-rates/loan-rates/"
      }
    ],
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "My_Business",
    "lastUpdated": "2026-11-10T14:12:14.000+11:00",
    "name": "My Business",
    "description": "The My Business Account is a day-today transaction account for businesses. Funds in the Business account are available through branch, card and internet banking",
    "brand": "Goulburn Murray Credit Union Co-Operative Ltd",
    "brandName": "Goulburn Murray Credit Union Co-Operative Ltd",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.gmcu.com.au/banking/transaction-accounts/view-all-transaction-accounts/",
      "termsUri": "https://www.gmcu.com.au/pds",
      "eligibilityUri": "https://www.gmcu.com.au/pds",
      "feesAndPricingUri": "https://www.gmcu.com.au/pds"
    }
  }
}