{
  "snapshot_at": "2026-11-12T02:33:50Z",
  "brand": "TMCU",
  "brand_slug": "tmcu",
  "product_id": "S50_BUSINESS_ACCOUNT",
  "cdr_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/S50_BUSINESS_ACCOUNT",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/S50_BUSINESS_ACCOUNT'",
  "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": {
    "features": [
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "VISA DEBIT"
      },
      {
        "featureType": "ADDITIONAL_CARDS",
        "additionalValue": "VISA DEBIT"
      },
      {
        "featureType": "FREE_TXNS_ALLOWANCE",
        "additionalValue": "4.00",
        "additionalInfo": "$1.00 PER TRANSACTION AFTER"
      },
      {
        "featureType": "FREE_TXNS_ALLOWANCE",
        "additionalValue": "4.00",
        "additionalInfo": "ATM TRANSACTION $1.50 PER TRANSACTION"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "BUSINESS"
      }
    ],
    "fees": [
      {
        "name": "ATM_BALANCE_FEE",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.50"
        },
        "currency": "AUD"
      },
      {
        "name": "BANK@POST_FEE",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.50"
        },
        "currency": "AUD"
      },
      {
        "name": "COUNTER_CHEQUE_FEE",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD"
      },
      {
        "name": "EXCESS_ATM/EFT_FEE",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "1.50"
        },
        "currency": "AUD"
      },
      {
        "name": "PAPER_STATEMENT_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.00"
        },
        "currency": "AUD"
      },
      {
        "name": "STAFF_ASSISTED_TRANSACTION",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD"
      },
      {
        "name": "MEMBER_CHEQUE_FEE",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "1.50"
        },
        "currency": "AUD"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.00015",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "BUSINESS ACCOUNT_Tier_1",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "4999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0002",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "BUSINESS ACCOUNT_Tier_2",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "5000.00",
            "maximumValue": "19999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.00045",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "BUSINESS ACCOUNT_Tier_3",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "maximumValue": "49999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.00075",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "BUSINESS ACCOUNT_Tier_4",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "50000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      }
    ],
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "S50_BUSINESS_ACCOUNT",
    "lastUpdated": "2026-11-12T09:06:46.000+11:00",
    "name": "BUSINESS ACCOUNT",
    "description": "BUSINESS ACCOUNT",
    "brand": "TRANSPORT MUTUAL CREDIT UNION LTD",
    "brandName": "TRANSPORT MUTUAL CREDIT UNION LTD",
    "applicationUri": "https://www.transportmutual.com.au/banking/transaction-accounts/business-account/",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.transportmutual.com.au/banking/transaction-accounts/business-account/",
      "termsUri": "https://www.transportmutual.com.au/media/2907/account-access-facility-conditions-of-use-2025.pdf",
      "feesAndPricingUri": "https://www.transportmutual.com.au/banking/rates-fees/fees-and-charges/"
    }
  }
}