{
  "snapshot_at": "2026-10-27T23:31:01Z",
  "brand": "People First and Heritage Bank",
  "brand_slug": "people-first-and-heritage-bank",
  "product_id": "d2849cce-36a7-4489-a93a-06899147fc57",
  "cdr_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/d2849cce-36a7-4489-a93a-06899147fc57",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/d2849cce-36a7-4489-a93a-06899147fc57'",
  "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": "d2849cce-36a7-4489-a93a-06899147fc57",
    "lastUpdated": "2026-05-04T14:36:04.026Z",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Community and Business Access",
    "description": "A business account designed for high-transacting businesses and not-for-profit organisations offering a large number of free transactions each month.",
    "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": "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": "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": "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": "CARD_ACCESS",
        "additionalValue": "Visa Debit or Business Visa Debit ",
        "additionalInfoUri": "https://www.peoplefirstbank.com.au/brc-8-6-1"
      },
      {
        "featureType": "UNLIMITED_TXNS",
        "additionalValue": "Visa Debit Card 'credit' transactions, EFTPOS purchases (without cash withdrawals), ATM withdrawals, BPAY payments, Cash Deposits, Internet and Phone Banking transfers.",
        "additionalInfoUri": "https://www.peoplefirstbank.com.au/brc-8-6-2"
      },
      {
        "featureType": "OVERDRAFT",
        "additionalValue": "Ablity to link an overdraft facility to your Business Access Account",
        "additionalInfoUri": "https://www.peoplefirstbank.com.au/brc-8-3-2"
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Direct Feeds to Accounting Software",
        "additionalInfo": "Direct Feeds to MYOB and Xero software",
        "additionalInfoUri": "https://www.peoplefirstbank.com.au/business-banking/direct-feeds-to-accounting-software"
      }
    ],
    "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/how-to-open-a-community-and-business-account"
      }
    ],
    "fees": [
      {
        "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-8-6-2"
      },
      {
        "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.",
        "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": "Corporate 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": "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": "Company and Business Name Search",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "additionalInfo": "Applies to each Company or Business Name Search completed",
        "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": "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": "Bank Cheque Replacement Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "25.00"
        },
        "additionalInfo": "NAB Replacement Fee.",
        "additionalInfoUri": "https://www.peoplefirstbank.com.au/brc-8-6-2"
      },
      {
        "name": "Corporate Cheques Issue Fee",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "additionalInfoUri": "https://www.peoplefirstbank.com.au/brc-8-6-2"
      },
      {
        "name": "Corporate Cheques Replacement Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "additionalInfo": "Payable whenever a replacement cheque is issued to replace a cheque previously issued by us (e.g. if the cheque has been lost or destroyed).",
        "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"
      }
    ]
  }
}