{ "snapshot_at": "2026-10-31T23:13:48Z", "brand": "People First and Heritage Bank", "brand_slug": "people-first-and-heritage-bank", "product_id": "525d32b2-bade-4a4b-ad84-4dc8353c78a4", "cdr_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/525d32b2-bade-4a4b-ad84-4dc8353c78a4", "x_v": 7, "how_to_fetch": "curl -H 'x-v: 7' 'https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/525d32b2-bade-4a4b-ad84-4dc8353c78a4'", "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": "525d32b2-bade-4a4b-ad84-4dc8353c78a4", "lastUpdated": "2026-10-31T13:35:24.462Z", "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS", "name": "Community and Business Saver", "description": "An online business savings account that allows you to access your funds via Internet and Smart Phone Banking. With competitive interest rates and no monthly account fees", "brand": "b111c64b-b6c9-eb11-a823-000d3a884a20", "brandName": "People First Bank", "isTailored": false, "additionalInformation": { "overviewUri": "https://www.peoplefirstbank.com.au/business-banking/business-bank-accounts/community-and-business-access", "termsUri": "https://www.peoplefirstbank.com.au/brc-8-6-1", "eligibilityUri": "https://www.peoplefirstbank.com.au/about-us/corporate-disclosure-and-regulatory-documents", "feesAndPricingUri": "https://www.peoplefirstbank.com.au/business-banking/business-bank-accounts/community-and-business-access" }, "features": [ { "featureType": "NPP_ENABLED", "additionalValue": "Enabled to send and receive Fast Payments.", "additionalInfoUri": "https://www.peoplefirstbank.com.au/brc-8-6-1" }, { "featureType": "DIGITAL_BANKING", "additionalValue": "Easy access to your account 24/7 with the People’s Choice Smartphone and iPhone App, Internet Banking and Phone Banking.", "additionalInfoUri": "https://www.peoplefirstbank.com.au/banking/ways-to-bank" }, { "featureType": "OTHER", "additionalValue": "Direct Feeds to Accounting Software", "additionalInfo": "Direct feeds to Xero and MYOB software", "additionalInfoUri": "https://www.peoplefirstbank.com.au/business-banking/direct-feeds-to-accounting-software" }, { "featureType": "UNLIMITED_TXNS", "additionalValue": "BPAY payments, Direct Debits, Internet and Phone Banking transfers.", "additionalInfoUri": "https://www.peoplefirstbank.com.au/brc-8-6-2" } ], "eligibility": [ { "eligibilityType": "BUSINESS", "additionalValue": "Business and non-personal entities", "additionalInfo": "Terms, conditions, fees, charges and lending criteria apply and are available on application", "additionalInfoUri": "https://www.peoplefirstbank.com.au/business-banking" } ], "fees": [ { "name": "Auto Transfer Order Rejection", "feeType": "TRANSACTION", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "5.00" }, "additionalInfo": "Applies when your account has insufficient funds to cover a payment.", "additionalInfoUri": "https://www.peoplefirstbank.com.au/brc-8-6-2" }, { "name": "Electronic Auto Transfer Order ", "feeType": "TRANSACTION", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "1.50" }, "additionalInfo": "Applies for when a new staff assisted external electronic payment is set up to debit from your account as a once off payment, including staff assisted transfers to a Heritage account.", "additionalInfoUri": "https://www.peoplefirstbank.com.au/brc-8-6-2" }, { "name": "Others", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "1.00" }, "additionalInfo": "All People's Choice Credit Union Fees and Charges are referenced within the disclosure document linked below.", "additionalInfoUri": "https://www.peoplefirstbank.com.au/brc-8-6-2" }, { "name": "Company and Business Name Search", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "20.00" }, "additionalInfoUri": "https://www.peoplefirstbank.com.au/brc-8-6-2" }, { "name": "Direct Debit Dishonour Fee", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "5.00" }, "additionalInfo": "Applies when your account has insufficient funds to cover the amount of a direct debit. Charged on the day the direct debit is attempted.", "additionalInfoUri": "https://www.peoplefirstbank.com.au/brc-8-6-2" }, { "name": "Direct Debit Honour Fee", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "10.00" }, "additionalInfo": "Applies when a direct debit is paid from your account where insufficient funds are available. Charged on the day the direct debit is attempted.", "additionalInfoUri": "https://www.peoplefirstbank.com.au/brc-8-6-2" }, { "name": "Overdrawn Administration Fee 1", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "25.00" }, "additionalInfo": "Payable if you overdraw your account without an approved overdraft or line of credit and you fail to deposit funds to the account to clear all overdrawn amounts within 7 days of us notifying you that your account is overdrawn", "additionalInfoUri": "https://www.peoplefirstbank.com.au/brc-8-6-2" }, { "name": "Overdrawn Administration Fee 2", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "25.00" }, "additionalInfo": "Payable if you overdraw your account without an approved overdraft or line of credit and your account remains overdrawn for a period of 20 days or more.", "additionalInfoUri": "https://www.peoplefirstbank.com.au/brc-8-6-2" }, { "name": "Frequent Statement Fee", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "2.00" }, "additionalInfo": "This fee applies to members who request a statement more regularly than the statement cycle specified in the product terms and conditions. Excludes eStatements which are free of charge.", "additionalInfoUri": "https://www.peoplefirstbank.com.au/brc-8-6-2" }, { "name": "Paper Statement Fee", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "3.00" }, "additionalInfo": "Applies to each paper statement issued as per the statement cycle specified. Excludes eStatements which are free of charge.", "additionalInfoUri": "https://www.peoplefirstbank.com.au/brc-8-6-2" } ], "depositRates": [ { "rate": "0.016", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "additionalInfoUri": "https://www.peoplefirstbank.com.au/rates/business-rates", "tiers": [ { "additionalInfo": "Credit interest paid on full balance.", "additionalInfoUri": "https://www.peoplefirstbank.com.au/rates/business-rates", "name": "Business Online Account -$1 - $4,999", "unitOfMeasure": "DOLLAR", "minimumValue": "1.00", "maximumValue": "4999.00" } ], "depositRateType": "VARIABLE" }, { "rate": "0.016", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "additionalInfoUri": "https://www.peoplefirstbank.com.au/rates/business-rates", "tiers": [ { "additionalInfo": "Credit interest paid on full balance.", "additionalInfoUri": "https://www.peoplefirstbank.com.au/rates/business-rates", "name": "Business Online Account >$5,000", "unitOfMeasure": "DOLLAR", "minimumValue": "5000.00" } ], "depositRateType": "VARIABLE" } ] } }