{
  "snapshot_at": "2026-10-22T13:25:17Z",
  "brand": "Maitland Mutual Limited",
  "brand_slug": "maitland-mutual-limited",
  "product_id": "Christmas_Club",
  "cdr_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Christmas_Club",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Christmas_Club'",
  "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": "DIGITAL_BANKING",
        "additionalInfo": "Balance of account is available via Internet Banking from 1 November to 31 January each year only. Outside of these dates, withdrawals are permitted in branch"
      },
      {
        "featureType": "NPP_PAYID"
      },
      {
        "featureType": "NPP_ENABLED"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Passbook account only"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "Mutual Alerts - Balance, low and high balance, deposit, withdrawal"
      },
      {
        "featureType": "UNLIMITED_TXNS"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Staff assisted transactions - Branch and Contact Centre"
      }
    ],
    "constraints": [
      {
        "constraintType": "OPENING_BALANCE",
        "additionalValue": "0.00"
      },
      {
        "constraintType": "MIN_BALANCE",
        "additionalValue": "0.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Australian citizen or a permanent resident of Australia or otherwise approved"
      },
      {
        "eligibilityType": "NATURAL_PERSON",
        "additionalInfo": "Available for personal use only"
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "12"
      }
    ],
    "fees": [
      {
        "name": "CHEQUE_DISHONOUR",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "9.00"
        },
        "currency": "AUD",
        "additionalInfo": "A dishonoured cheque is a cheque that is not paid by the financial institution on which it is drawn. A dishonour fee will apply each time the cheque is presented for payment and dishonoured.",
        "additionalInfoUri": "https://www.themutual.com.au/help-support/important-documents/"
      },
      {
        "name": "DIRECT_ENTRY_DISHONOUR",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "9.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable when a direct entry (inward and outward) is dishonoured.",
        "additionalInfoUri": "https://www.themutual.com.au/help-support/important-documents/"
      },
      {
        "name": "DOCUMENT_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "60.00"
        },
        "currency": "AUD",
        "additionalInfo": "$60.00 per hour (subject to minimum $10.00 per copy). Payable if you request copies of documents such as withdrawal forms or statements, or you ask us to verify a transaction performed on your Account e.g. evidence of a Visa Debit Card purchase.",
        "additionalInfoUri": "https://www.themutual.com.au/help-support/important-documents/"
      },
      {
        "name": "MISCELLANEOUS_SERVICE_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "60.00"
        },
        "currency": "AUD",
        "additionalInfo": "$60.00 per hour. Payable if you request information not covered by the Document Fee.",
        "additionalInfoUri": "https://www.themutual.com.au/help-support/important-documents/"
      },
      {
        "name": "OVERSEAS_TELEGRAPHIC_TRANSFER_(OUTWARD)_-_AUSTRALIAN_CURRENCY",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable if we assist you send funds electronically overseas in Australian dollars.",
        "additionalInfoUri": "https://www.themutual.com.au/help-support/important-documents/"
      },
      {
        "name": "OVERSEAS_TELEGRAPHIC_TRANSFER_(OUTWARD)_-_FOREIGN_CURRENCY",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable if we assist you send funds electronically overseas in a foreign currency.",
        "additionalInfoUri": "https://www.themutual.com.au/help-support/important-documents/"
      },
      {
        "name": "PHYSICAL_FOREIGN_CURRENCY",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.01"
        },
        "currency": "AUD",
        "additionalInfo": "1% of Australian currency equivalent amount. Payable when physical foreign currency is issued or purchased.",
        "additionalInfoUri": "https://www.themutual.com.au/help-support/important-documents/"
      },
      {
        "name": "UNCLAIMED_MONIES_FEE",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfo": "The lessor $20.00 or account balance. Payable when an account is classified as dormant.",
        "additionalInfoUri": "https://www.themutual.com.au/help-support/important-documents/"
      },
      {
        "name": "ONLINE_INTERNATIONAL_TRANSFER_(OUTWARD)",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable if you use online banking to transfer funds internationally.",
        "additionalInfoUri": "https://www.themutual.com.au/help-support/important-documents/"
      },
      {
        "name": "OVERDRAWN_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "9.00"
        },
        "currency": "AUD",
        "additionalInfo": "If your Account is overdrawn, without our prior agreement, a fee will be charged each time this occurs. Penalty interest (at the rate disclosed on the Deposit Interest Rate Schedule) will also be charged until the Account is brought back in order.",
        "additionalInfoUri": "https://www.themutual.com.au/help-support/important-documents/"
      },
      {
        "name": "DORMANT_ACCOUNT_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfo": "This fee is charged to each of your Deposit Accounts closed due to dormancy. The lesser of $20.00 or the account balance.",
        "additionalInfoUri": "https://www.themutual.com.au/help-support/important-documents/"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.01",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P6M",
        "additionalInfo": "Interest is paid 6 monthly on 30 June and 31 December."
      }
    ],
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "Christmas_Club",
    "lastUpdated": "2026-09-15T10:06:52.000+10:00",
    "name": "Christmas Club",
    "description": "A savings account for the festive period, where members can access the funds between 1 November and 31 January.",
    "brand": "TheMutualBank",
    "brandName": "The Mutual Bank",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.themutual.com.au/everyday-banking/savings-investment-accounts/christmas-club/",
      "termsUri": "https://www.themutual.com.au/help-support/important-documents/",
      "eligibilityUri": "https://www.themutual.com.au/help-support/important-documents/",
      "feesAndPricingUri": "https://www.themutual.com.au/help-support/important-documents/"
    }
  }
}