{
  "snapshot_at": "2026-10-27T23:31:01Z",
  "brand": "People First and Heritage Bank",
  "brand_slug": "people-first-and-heritage-bank",
  "product_id": "54256207-7199-45a9-b711-8f5d5cf6943a",
  "cdr_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/54256207-7199-45a9-b711-8f5d5cf6943a",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/54256207-7199-45a9-b711-8f5d5cf6943a'",
  "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": "54256207-7199-45a9-b711-8f5d5cf6943a",
    "effectiveTo": "9999-12-31T00:00:00Z",
    "lastUpdated": "2026-05-04T14:35:43.185Z",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Everyday Account",
    "description": "Flexible transaction account with unlimited selected transactions with no monthly fee",
    "brand": "b111c64b-b6c9-eb11-a823-000d3a884a20",
    "brandName": "People First Bank",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.peoplefirstbank.com.au/banking/transaction-accounts/everyday-account",
      "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/banking/transaction-accounts/everyday-account"
    },
    "features": [
      {
        "featureType": "NPP_ENABLED",
        "additionalValue": "Enabled to send and receive Fast Payments.",
        "additionalInfoUri": "https://www.peoplefirstbank.com.au/brc-8-6-1"
      },
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "Visa Debit Card",
        "additionalInfo": "Card access with the convenience of payWave access",
        "additionalInfoUri": "https://www.peoplefirstbank.com.au/brc-8-6-1"
      },
      {
        "featureType": "NPP_PAYID",
        "additionalValue": "Use your PayID to get paid fast. PayID can be a mobile number or email address",
        "additionalInfoUri": "https://www.peoplefirstbank.com.au/brc-8-6-1"
      },
      {
        "featureType": "OVERDRAFT",
        "additionalValue": "Ability to link an overdraft facility to your account",
        "additionalInfoUri": "https://www.peoplefirstbank.com.au/brc-8-6-1"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "The Pays",
        "additionalInfo": "Now you can tap and pay using your mobile phone for fast, convenient and secure payments.",
        "additionalInfoUri": "https://www.peoplefirstbank.com.au/banking/ways-to-bank/digital-wallet-payments"
      },
      {
        "featureType": "UNLIMITED_TXNS",
        "additionalValue": "Make unlimited ATM and EFTPOS transactions, Visa Debit card ‘credit’ purchases, Direct Debits, BPAY®, and People’s Choice Credit Union Branch withdrawals.",
        "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": "Branch Access",
        "additionalInfo": "Ability to transact via our branch network",
        "additionalInfoUri": "https://www.peoplefirstbank.com.au/help-and-support/locate-us"
      },
      {
        "featureType": "RELATIONSHIP_MANAGEMENT",
        "additionalValue": "One to One Relationship Management available",
        "additionalInfo": "Our Program One to One provides a higher level of personalised service to members that have significant business with the Credit Union, measured by borrowings and/or deposits. This is achieved by providing each member with their own Relationship Manager as a single point of contact for all their financial service needs."
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "12",
        "additionalInfo": "12 years and over",
        "additionalInfoUri": "https://www.peoplefirstbank.com.au/brc-8-6-1"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Permanent residents of Australia who reside in Australia at the time of membership application are eligible for membership, regardless of citizenship status."
      },
      {
        "eligibilityType": "NATURAL_PERSON",
        "additionalValue": "Personal Members Only"
      }
    ],
    "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": "Corporate Cheque",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "additionalInfo": "Charged each time a Corporate Cheque is issued.",
        "additionalInfoUri": "https://www.peoplefirstbank.com.au/brc-8-6-2"
      },
      {
        "name": "Direct Debit Dishonour",
        "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. Not charged if Honour Fee is payable.",
        "additionalInfoUri": "https://www.peoplefirstbank.com.au/brc-8-6-2"
      },
      {
        "name": "Duplicate/replacement Statement",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "additionalInfo": "Applies when you request us to provide a copy of a statement that has already been issued (including where you request a paper copy of an eStatement). Charged at the time the statement is requested.",
        "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": "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": "Emergency same day transfer",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "11.00"
        },
        "additionalInfo": "Applies for when a new staff assisted same day transfer external or Heritage electronic payment is debited from your account.",
        "additionalInfoUri": "https://www.peoplefirstbank.com.au/brc-8-6-2"
      },
      {
        "name": "Signature Verification",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "additionalInfo": "Applies when you request to withdraw funds without sufficient identification.",
        "additionalInfoUri": "https://www.peoplefirstbank.com.au/brc-8-6-148"
      },
      {
        "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.",
        "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 \nregularly than the statement cycle specified in the product \nterms and conditions. Excludes eStatements which are free \nof charge.",
        "additionalInfoUri": "https://www.peoplefirstbank.com.au/brc-8-6-2"
      },
      {
        "name": "Duplicate/replacement Statement",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "additionalInfo": "Applies when you request us to provide a copy of a statement that has already been issued (including where you request a paper copy of an eStatement). Charged at the time the statement is requested.",
        "additionalInfoUri": "https://www.peoplefirstbank.com.au/brc-8-6-148"
      },
      {
        "name": "Access Token",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "additionalInfo": "Applies for each active Access Token. Charged upon issue.",
        "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": "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": "Emergency Visa Card",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "300.00"
        },
        "additionalInfo": "Applies when you request an urgent replacement Visa card to be issued while overseas. Applies per Card.",
        "additionalInfoUri": "https://www.peoplefirstbank.com.au/brc-8-6-2"
      },
      {
        "name": "Corportae Cheque Issue ",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "additionalInfo": "Applies in relation to any corporate cheque issued by us from your account",
        "additionalInfoUri": "https://www.peoplefirstbank.com.au/brc-8-6-2"
      },
      {
        "name": "Replacement Card (lost, captured or damaged)",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "additionalInfo": "Applies when a lost or damaged card is replaced. Fee is charged when the card is ordered.",
        "additionalInfoUri": "https://www.peoplefirstbank.com.au/brc-8-6-2"
      },
      {
        "name": "Qucik Debit Dishonour",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "additionalInfo": "Applies when your account with another financial institution or your account with Heritage has insufficient funds to cover the value of the quick debit request. Quick Debit services available only on application and on select products.",
        "additionalInfoUri": "https://www.peoplefirstbank.com.au/brc-8-6-2"
      },
      {
        "name": "Conversion Fee",
        "feeType": "EVENT",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.03"
        },
        "additionalInfo": "Applies when a transaction is performed overseas using a Visa Card. Charged at the time of transaction. ",
        "additionalInfoUri": "https://www.peoplefirstbank.com.au/brc-8-6-2"
      },
      {
        "name": "Dormant (inactive fee)",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "additionalInfo": "Applies when you do not have any activity on your account/s or membership, we may charge you a fee at the time we close your inactive accounts.",
        "additionalInfoUri": "https://www.peoplefirstbank.com.au/brc-8-6-2"
      },
      {
        "name": "Bank Cheque Fee",
        "feeType": "OTHER",
        "feeMethodUType": "variable",
        "variable": {
          "feeMinimum": "0.00",
          "feeMaximum": "0.00"
        },
        "additionalValue": "At-Cost",
        "additionalInfo": "Bank Cheque Fee at cost to People's Choice per cheque",
        "additionalInfoUri": "https://www.peoplefirstbank.com.au/brc-8-6-2"
      },
      {
        "name": "Visa Cash Advance- Australia and Overseas",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "additionalInfo": "Visa Cash Advances are withdrawals using your visa Card at Australian Bank branches, overseas Bank branches, overseas ATMs, National ATMs or Australia Post  (using the credit account selection or accessing a Credit Card account).",
        "additionalInfoUri": "https://www.peoplefirstbank.com.au/brc-8-6-2"
      },
      {
        "name": "Corporate Cheque Replacement ",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "additionalInfo": "Payable whenever a replacement corporate cheque is issued to replace a previously issued corporate cheque (e.g. if the cheque is lost or destroyed)",
        "additionalInfoUri": "https://www.peoplefirstbank.com.au/brc-8-6-2"
      },
      {
        "name": "Emergency Visa Cash Advance Overseas",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "300.00"
        },
        "additionalInfo": "Applies when you request an emergency cash advance without your Visa Card.",
        "additionalInfoUri": "https://www.peoplefirstbank.com.au/brc-8-6-2"
      },
      {
        "name": "Direct Debit Honour",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "additionalInfo": "Applies when a direct debit is paid from your account where insufficient funds are available. ",
        "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"
      }
    ]
  }
}