{
  "snapshot_at": "2026-10-31T23:13:48Z",
  "brand": "People First and Heritage Bank",
  "brand_slug": "people-first-and-heritage-bank",
  "product_id": "02901be8-7e53-49c8-ae99-097c55c11074",
  "cdr_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/02901be8-7e53-49c8-ae99-097c55c11074",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/02901be8-7e53-49c8-ae99-097c55c11074'",
  "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": {
    "productId": "02901be8-7e53-49c8-ae99-097c55c11074",
    "effectiveFrom": "2020-08-31T14:00:00Z",
    "lastUpdated": "2026-10-31T14:00:23.286Z",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Online Saver Account",
    "description": "Manage your savings online with our high interest savings account.",
    "brand": "HERITAGE",
    "brandName": "Heritage",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.heritage.com.au/banking/accounts/online-saver",
      "termsUri": "https://www.heritage.com.au/inbound/brochures/guide-to-deposit-products",
      "eligibilityUri": "https://www.heritage.com.au/inbound/brochures/guide-to-deposit-products",
      "feesAndPricingUri": "https://www.heritage.com.au/inbound/brochures/fees-and-limits-guide"
    },
    "features": [
      {
        "featureType": "OTHER",
        "additionalInfo": "Electronic or Physical statements provided"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Internet, Mobile and Phone banking available"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Scheduled, periodic payments available"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Direct debit facility available"
      },
      {
        "featureType": "UNLIMITED_TXNS"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Bonus interest introductory offer"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "SMS services available"
      },
      {
        "featureType": "LOYALTY_PROGRAM",
        "additionalValue": "Heritage Credits is Heritage's loyalty program"
      }
    ],
    "constraints": [
      {
        "constraintType": "OPENING_BALANCE",
        "additionalValue": "1.00"
      },
      {
        "constraintType": "MIN_BALANCE",
        "additionalValue": "1.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "You need to be a registered user of Heritage Online."
      }
    ],
    "fees": [
      {
        "name": "Paper Based Statement Fee",
        "feeType": "OTHER",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "3.00"
        },
        "additionalInfo": "Fee is charged for each paper statement issued as per your account statement cycle. Excludes eStatements which are free of charge.",
        "additionalInfoUri": "https://www.heritage.com.au/-/media/m/publications/brochures/sv030---fees-and-limits-guide.pdf?rev=bd133dd2466649bdbc48fd6676828ba5"
      },
      {
        "name": "Business internet banking security token",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "additionalInfo": "Including replacement security tokens"
      },
      {
        "name": "Document/Record search fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "12.00"
        },
        "additionalValue": "per item",
        "additionalInfo": "For record searches, traces, supplying copy of details of transactions (including Visa card transaction slips) at your request on your account"
      },
      {
        "name": "Heritage Online Business internet Banking - Account Reconciliation",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.05"
        },
        "additionalValue": "0.05+GST per entry"
      },
      {
        "name": "Heritage Online Business internet Banking - Payroll and creditor batch payments - for each payment in a batch",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.05"
        },
        "additionalValue": "0.05+ GST for each payment in a batch"
      },
      {
        "name": "Inactive Account Administration Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "additionalValue": "per half year"
      },
      {
        "name": "Overdraft Reference Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        }
      },
      {
        "name": "Payroll Processing",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.50"
        },
        "additionalValue": "for each deposit (minimum $5.00)"
      },
      {
        "name": "SMS Services",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.25"
        },
        "additionalValue": "for each SMS Alert delivered by SMS to your mobile phone"
      },
      {
        "name": "Statements",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "1.00"
        },
        "additionalValue": "per statement",
        "additionalInfo": "For the second and subsequent statement issued during a month, or when a statement is issued on your account at your request at any time before the next statement issuing due date"
      },
      {
        "name": "Transaction listing",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "additionalValue": "per page",
        "additionalInfo": "When a transaction listing between two given dates is issued on your account"
      },
      {
        "name": "Direct Debit Dishonour Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        }
      },
      {
        "name": "RTGS payment/transfer to your account",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        }
      }
    ],
    "depositRates": [
      {
        "rate": "0.0345",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "$1 or more",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "1.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "depositRateType": "VARIABLE"
      },
      {
        "rate": "0.014",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "Bonus Promotional 4 month rate on new accounts up to $100,000",
        "additionalInfoUri": "https://www.heritage.com.au/banking/accounts/online-saver?gclid=CjwKCAjwi_b3BRAGEiwAemPNU6NAxBTOovngW_LzkWyBh0NRrrrGhMyULCEVgMUQIZn0c0vKzlc-zBoCEYcQAvD_BwE&gclsrc=aw.ds",
        "tiers": [
          {
            "name": "Bonus (conditions apply)",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "1.00",
            "maximumValue": "100000.00",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "applicabilityConditions": [
              {
                "rateApplicabilityType": "OTHER",
                "additionalInfo": "*The Bonus Intro Rate is the current standard variable rate plus a 4 month Bonus Intro Rate, and applies only on balances up to $100,000. The standard variable rate applies to amounts over $100,000.To qualify, new members must open an Online Saver account with a linked eligible account within sixty (60) days of membership opening. An eligible account means a Simply Access (S1), Pension Plus (S65) or Business Access (S13) account. The Bonus Intro Rate applies for 4 months starting on the day the online saver account is opened, after which the Bonus Intro Rate will no longer apply. The Bonus Intro Rate is available only to new members, and is limited to one (1) online saver (S26) account per member (either as a joint or single account holder)."
              }
            ]
          }
        ],
        "depositRateType": "BONUS"
      }
    ]
  }
}