{
  "snapshot_at": "2026-10-31T23:13:48Z",
  "brand": "People First and Heritage Bank",
  "brand_slug": "people-first-and-heritage-bank",
  "product_id": "683e6ac4-7cb6-4d1f-a5ae-bddf379a39a5",
  "cdr_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/683e6ac4-7cb6-4d1f-a5ae-bddf379a39a5",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/683e6ac4-7cb6-4d1f-a5ae-bddf379a39a5'",
  "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": "683e6ac4-7cb6-4d1f-a5ae-bddf379a39a5",
    "effectiveFrom": "2020-09-30T14:00:00Z",
    "lastUpdated": "2026-10-31T14:00:25.829Z",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Target Bonus Account",
    "description": "Earn bonus interest when you make regular desposits and no withdrawals with a Heritage Target Bonus Account",
    "brand": "HERITAGE",
    "brandName": "Heritage",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.heritage.com.au/banking/accounts/target-bonus",
      "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 available"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Internet, Mobile or Phone banking available"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "SMS Services"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Earn a bonus interest rate above our normal rate for every month you make at least one deposit, and no withdrawals"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "$0 account keeping and transaction fees"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Backed by the Government Deposit Guarantee for deposits up to $250,000"
      }
    ],
    "constraints": [
      {
        "constraintType": "OPENING_BALANCE",
        "additionalValue": "1.00"
      },
      {
        "constraintType": "MIN_BALANCE",
        "additionalValue": "1.00"
      }
    ],
    "fees": [
      {
        "name": "Business internet banking security token",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "additionalValue": "Including replacement security tokens"
      },
      {
        "name": "Direct Debit Dishonour",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        }
      },
      {
        "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 Bank Cheque",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "additionalValue": "Issue or Replacement"
      },
      {
        "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": "Manual transfer to another Heritage Account",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.50"
        }
      },
      {
        "name": "Manual transfer to another financial institution",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "4.00"
        },
        "additionalInfo": "Charged per manual transfer to another financial institution including People's Choice branded accounts."
      },
      {
        "name": "Telegraphic transfer within Australia",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        }
      },
      {
        "name": "Telegraphic transfer",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "additionalInfo": "Sent in AUD to a country with different currency"
      },
      {
        "name": "Telegraphic transfer",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "additionalInfo": "transfer to a country in accepted currency (for example, USD to the United States)"
      },
      {
        "name": "Telegraphic Transfer",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "additionalInfo": "performed via Heritage Online or the Mobile Banking App"
      },
      {
        "name": "RTGS payment/transfer to your account",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        }
      },
      {
        "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"
      }
    ],
    "depositRates": [
      {
        "rate": "0.0001",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "$1 or more",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "1.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "depositRateType": "VARIABLE"
      },
      {
        "rate": "0.0449",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "bonus interest will be applied to all balances if at least one deposit and no withdrawals are made",
        "tiers": [
          {
            "name": "Bonus (conditions apply)",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "1.00",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "applicabilityConditions": [
              {
                "rateApplicabilityType": "OTHER",
                "additionalInfo": "Bonus Interest applied if at least one deposit and no withdrawals are made during the month. Bonus Interest is calculated on minimum monthly balance.",
                "additionalInfoUri": "https://www.heritage.com.au/banking/accounts/target-bonus"
              }
            ]
          }
        ],
        "depositRateType": "BONUS"
      }
    ]
  }
}