{
  "snapshot_at": "2026-10-22T13:25:17Z",
  "brand": "Maitland Mutual Limited",
  "brand_slug": "maitland-mutual-limited",
  "product_id": "Internet_Saver_-_Business",
  "cdr_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Internet_Saver_-_Business",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Internet_Saver_-_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": "DIGITAL_BANKING",
        "additionalInfo": "Account limited to Digital Banking only",
        "additionalInfoUri": "https://www.themutual.com.au/business/savings-accounts/internet-saver-business/"
      },
      {
        "featureType": "NPP_PAYID"
      },
      {
        "featureType": "NPP_ENABLED"
      },
      {
        "featureType": "UNLIMITED_TXNS"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "Mutual Alerts - Balance, low and high balance, deposit, withdrawal"
      }
    ],
    "constraints": [
      {
        "constraintType": "OPENING_BALANCE",
        "additionalValue": "0.00"
      },
      {
        "constraintType": "MIN_BALANCE",
        "additionalValue": "0.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "BUSINESS",
        "additionalInfo": "A domestic business with an ABN or ACN where relevant (e.g. company, sole trader, partnership, association, trust)"
      }
    ],
    "fees": [
      {
        "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": "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": "BECS_SPONSORSHIP",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "500.00"
        },
        "currency": "AUD",
        "additionalInfo": "Subject to approval if your business requests sponsorship within BECS. $500.00 upfront fee, $0.25 per non direct debit item for The Mutual Bank, $Nil per direct debit item for The Mutual Bank.",
        "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": "0.025",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Internet Saver Business_Tier_1",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "4999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.025",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Internet Saver Business_Tier_2",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "5000.00",
            "maximumValue": "999999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.025",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Internet Saver Business_Tier_3",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "1000000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      }
    ],
    "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.",
        "additionalInfoUri": "https://www.themutual.com.au/help-support/tools-services/interest-rates/"
      }
    ],
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "Internet_Saver_-_Business",
    "lastUpdated": "2026-10-14T08:13:10.000+11:00",
    "name": "Internet Saver Business",
    "description": "An online savings account for businesses.",
    "brand": "TheMutualBank",
    "brandName": "The Mutual Bank",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.themutual.com.au/business-banking/savings-investment-accounts/internet-saver-business/",
      "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/"
    }
  }
}