{
  "snapshot_at": "2026-10-22T13:25:17Z",
  "brand": "Maitland Mutual Limited",
  "brand_slug": "maitland-mutual-limited",
  "product_id": "Everyday_Account",
  "cdr_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Everyday_Account",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Everyday_Account'",
  "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": "ADDITIONAL_CARDS",
        "additionalValue": "1"
      },
      {
        "featureType": "BILL_PAYMENT",
        "additionalValue": "BPAY",
        "additionalInfo": "Pay bills using BPAY"
      },
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "Visa Debit Card"
      },
      {
        "featureType": "DIGITAL_BANKING"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Apple Pay & Google Pay"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "Mutual Alerts - Balance, low and high balance, deposit, withdrawal"
      },
      {
        "featureType": "NPP_ENABLED"
      },
      {
        "featureType": "NPP_PAYID"
      },
      {
        "featureType": "UNLIMITED_TXNS"
      }
    ],
    "constraints": [
      {
        "constraintType": "OPENING_BALANCE",
        "additionalValue": "0.00"
      },
      {
        "constraintType": "MIN_BALANCE",
        "additionalValue": "0.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "NATURAL_PERSON",
        "additionalInfo": "Available for personal use only"
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "12"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Australian citizen or a permanent resident of Australia or otherwise approved"
      }
    ],
    "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": "FINANCIAL_INSTITUTION_CHEQUE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.50"
        },
        "currency": "AUD",
        "additionalInfo": "Payable when you request us to issue a financial institution cheque.",
        "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": "FOREIGN_CURRENCY_CONVERSION_SERVICE_FEE",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.01"
        },
        "currency": "AUD",
        "additionalInfo": "A 1% service fee on the Australian dollar equivalent is payable for foreign currency transactions using your Mutual Visa Debit Card.",
        "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 $20.00 or account balance. Payable when an account is classified as dormant.",
        "additionalInfoUri": "https://www.themutual.com.au/help-support/important-documents/"
      },
      {
        "name": "ONLINE_INTERNATIONAL_TRANSFER_(OUTWARD)",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable if you use online banking to transfer funds internationally.",
        "additionalInfoUri": "https://www.themutual.com.au/help-support/important-documents/"
      },
      {
        "name": "REPLACEMENT_CARD_FEE_(INTERNATIONAL)",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "100.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable if you request a replacement card when overseas via Visa Global Cardholder Assistance Service (GCAS), payable when the request is processed.",
        "additionalInfoUri": "https://www.themutual.com.au/help-support/important-documents/"
      },
      {
        "name": "REPLACEMENT_CARD_FEE_-_VISA_DEBIT_CARD",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "variable",
        "variable": {},
        "currency": "AUD",
        "additionalInfo": "$Nil - Payable if you request a replacement Visa Debit Card.",
        "additionalInfoUri": "https://www.themutual.com.au/help-support/important-documents/"
      },
      {
        "name": "ATM_OWNER_FEE",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "variable",
        "variable": {},
        "currency": "AUD",
        "additionalInfo": "This fee amount is disclosed at the time of the ATM transaction and charged by the ATM owner for an ATM transaction including an ATM enquiry.",
        "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": "0.0",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P6M",
        "tiers": [
          {
            "name": "Everyday Account_Tier_1",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "2000.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalInfo": "Interest is calculated by applying the daily percentage rate to the different portions of the daily balance and paid 6 monthly on 30 June and 31 December."
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P6M",
        "tiers": [
          {
            "name": "Everyday Account_Tier_2",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "2000.01",
            "maximumValue": "5000.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalInfo": "Interest is calculated by applying the daily percentage rate to the different portions of the daily balance and paid 6 monthly on 30 June and 31 December."
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P6M",
        "tiers": [
          {
            "name": "Everyday Account_Tier_3",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "5000.01",
            "maximumValue": "20000.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalInfo": "Interest is calculated by applying the daily percentage rate to the different portions of the daily balance and paid 6 monthly on 30 June and 31 December."
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P6M",
        "tiers": [
          {
            "name": "Everyday Account_Tier_4",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.01",
            "maximumValue": "50000.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalInfo": "Interest is calculated by applying the daily percentage rate to the different portions of the daily balance and paid 6 monthly on 30 June and 31 December."
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0001",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P6M",
        "tiers": [
          {
            "name": "Everyday Account_Tier_5",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "50000.01",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalInfo": "Interest is calculated by applying the daily percentage rate to the different portions of the daily balance and paid 6 monthly on 30 June and 31 December."
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.2",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER",
        "additionalInfo": "Penalty Interest will be charged on overdrawn accounts."
      }
    ],
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "Everyday_Account",
    "lastUpdated": "2026-09-15T09:32:06.000+10:00",
    "name": "Everyday Account",
    "description": "An everyday transaction account with no monthly account keeping fees.",
    "brand": "TheMutualBank",
    "brandName": "The Mutual Bank",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.themutual.com.au/everyday-banking/transaction-accounts/everyday-account/",
      "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/"
    }
  }
}