{
 "snapshot_at": "2026-10-02T09:49:30Z",
 "brand": "Bank First",
 "brand_slug": "bank-first",
 "product_id": "e82acba3-b1e1-406f-b1f5-0dab6bcd16d6",
 "cdr_url": "https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products/e82acba3-b1e1-406f-b1f5-0dab6bcd16d6",
 "x_v": 7,
 "how_to_fetch": "curl -H 'x-v: 7' 'https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products/e82acba3-b1e1-406f-b1f5-0dab6bcd16d6'",
 "note": "Verbatim copy of the bank's Consumer Data Right product detail response as fetched by Deep Almanac. The live endpoint requires the x-v header shown. snapshot_at is when this version of the record was first fetched; the file is rewritten only when the bank's data changes.",
 "data": {
  "brand": "Bank First",
  "description": "Preschool Term Deposit",
  "isTailored": false,
  "lastUpdated": "2026-09-16T23:03:29.37742Z",
  "name": "Preschool 120-180 Day Flexible Term Deposit",
  "productCategory": "TERM_DEPOSITS",
  "productId": "e82acba3-b1e1-406f-b1f5-0dab6bcd16d6",
  "additionalInformation": {
   "overviewUri": "https://www.bankfirst.com.au/bank-accounts/preschool-accounts/save/120-180-day-preschool-term-deposit",
   "termsUri": "https://www.bankfirst.com.au/disclosure-documents",
   "eligibilityUri": "https://www.bankfirst.com.au/-/media/bankfirst/pdfs/termsandconditions/tc_part_a.pdf?la=en&hash=1BD3E51F84EC9362648BB08285FA0082715FEDB6",
   "feesAndPricingUri": "https://www.bankfirst.com.au/-/media/bankfirst/pdfs/termsandconditions/tc_part_c_schools.pdf?la=en&hash=75BFC555771ABBE857948B9FC65F5AA3BC01E0FE",
   "bundleUri": null,
   "additionalOverviewUris": null,
   "additionalTermsUris": null,
   "additionalEligibilityUris": null,
   "additionalFeesAndPricingUris": null,
   "additionalBundleUris": null
  },
  "applicationUri": null,
  "brandName": "Bank First Production",
  "brandGroup": null,
  "cardArt": [],
  "effectiveFrom": null,
  "effectiveTo": null,
  "bundles": [],
  "constraints": [
   {
    "constraintType": "OPENING_BALANCE",
    "additionalInfo": null,
    "additionalInfoUri": null,
    "additionalValue": "5000.00"
   },
   {
    "constraintType": "MIN_BALANCE",
    "additionalInfo": null,
    "additionalInfoUri": null,
    "additionalValue": "5000.00"
   }
  ],
  "depositRates": [
   {
    "depositRateType": "FIXED",
    "rate": "0.053",
    "additionalInfo": "Dependent on the term nominated determines when the interest will be applied",
    "additionalInfoUri": null,
    "additionalValue": "P180D",
    "applicationFrequency": null,
    "calculationFrequency": "P1D",
    "tiers": [
     {
      "minimumValue": "5000.00",
      "name": "Preschool 120-180 Day Flexible Term Deposit_Tier",
      "unitOfMeasure": "DOLLAR",
      "additionalInfo": null,
      "additionalInfoUri": null,
      "applicabilityConditions": [],
      "maximumValue": "999999.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "minimumValue": "120",
      "name": "Preschool 120-180 Day Flexible Term Deposit_Tier",
      "unitOfMeasure": "DAY",
      "additionalInfo": null,
      "additionalInfoUri": null,
      "applicabilityConditions": [],
      "maximumValue": "180",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicationType": "MATURITY",
    "applicabilityConditions": []
   }
  ],
  "eligibility": [
   {
    "eligibilityType": "OTHER",
    "additionalInfo": "Only available to preschool accounts that hold a membership.",
    "additionalInfoUri": null,
    "additionalValue": null
   }
  ],
  "features": [
   {
    "featureType": "OTHER",
    "additionalInfo": "Other service related charges apply based on your circumstances",
    "additionalInfoUri": "https://www.bankfirst.com.au/-/media/bankfirst/pdfs/termsandconditions/tc_part_b.pdf?la=en&hash=172D55D317D95FDB13F24CDFDE6D3B6B2E7C7F37",
    "additionalValue": null,
    "isActivated": "UNKNOWN"
   },
   {
    "featureType": "DIGITAL_BANKING",
    "additionalInfo": "Balance Enquiry Only",
    "additionalInfoUri": null,
    "additionalValue": null,
    "isActivated": "UNKNOWN"
   }
  ],
  "fees": [
   {
    "feeType": "WITHDRAWAL",
    "name": "Term Deposit Early Withdrawal Interest Rate Reduction",
    "additionalInfo": "For early withdrawals of a part or full amount of a Term Deposit the interest accrued or paid to that date will reduce as follows: Percentage of Term Remaining 0-19.99% interest reduction = 20%,Term Remaining  20-39.99% interest reduction = 40%,Term Remaining  40-59.99% interest reduction = 60%,Term Remaining 60-79.99% interest reduction = 80%, Term Remaining 80-100% interest reduction = 90%.",
    "additionalInfoUri": "https://www.bankfirst.com.au/-/media/bankfirst/pdfs/termsandconditions/tc_part_b.pdf?la=en&hash=172D55D317D95FDB13F24CDFDE6D3B6B2E7C7F37",
    "additionalValue": null,
    "currency": "AUD",
    "discounts": [],
    "feeMethodUType": "variable",
    "fixedAmount": null,
    "rateBased": null,
    "variable": {
     "feeMinimum": "0.00",
     "feeMaximum": null
    },
    "feeCap": null,
    "feeCapPeriod": null
   }
  ],
  "lendingRates": [],
  "instalments": null
 }
}