{
  "snapshot_at": "2026-10-29T23:52:19Z",
  "brand": "gmcu",
  "brand_slug": "gmcu",
  "product_id": "My_Everyday_Start",
  "cdr_url": "https://secure.gmcu.com.au/OpenBanking/cds-au/v1/banking/products/My_Everyday_Start",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://secure.gmcu.com.au/OpenBanking/cds-au/v1/banking/products/My_Everyday_Start'",
  "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": "UNLIMITED_TXNS",
        "additionalInfo": "Electronic Withdrawals"
      },
      {
        "featureType": "UNLIMITED_TXNS",
        "additionalInfo": "Branch Withdrawals"
      },
      {
        "featureType": "UNLIMITED_TXNS",
        "additionalInfo": "Card Purchase / EFTPOS / ATM"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_BALANCE",
        "additionalValue": "1.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MAX_AGE",
        "additionalValue": "21"
      },
      {
        "eligibilityType": "NATURAL_PERSON"
      }
    ],
    "fees": [
      {
        "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": "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"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0001",
        "calculationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1Y",
        "tiers": [
          {
            "name": "My Everyday Start_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 Everyday Start_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 Everyday Start_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 Everyday Start_Tier_4",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "49999.01",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalInfoUri": "https://www.gmcu.com.au/help/interest-rates/deposit-rates/"
      }
    ],
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "My_Everyday_Start",
    "lastUpdated": "2026-08-26T10:36:33.000+10:00",
    "name": "My Everyday Start",
    "description": "Making banking simple for youth under 30 years of age. The My Everyday Start account provides fee free transactions",
    "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"
    }
  }
}