{
 "snapshot_at": "2026-10-02T09:50:15Z",
 "brand": "First Option Bank",
 "brand_slug": "first-option-bank",
 "product_id": "6MTH_BUSINESS_TERM",
 "cdr_url": "https://internetbanking.firstoption.com.au/OpenBanking/cds-au/v1/banking/products/6MTH_BUSINESS_TERM",
 "x_v": 7,
 "how_to_fetch": "curl -H 'x-v: 7' 'https://internetbanking.firstoption.com.au/OpenBanking/cds-au/v1/banking/products/6MTH_BUSINESS_TERM'",
 "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": {
  "constraints": [
   {
    "constraintType": "MIN_BALANCE",
    "additionalValue": "1000.00"
   },
   {
    "constraintType": "MAX_BALANCE",
    "additionalValue": "2000000.00"
   }
  ],
  "eligibility": [
   {
    "eligibilityType": "BUSINESS"
   },
   {
    "eligibilityType": "RESIDENCY_STATUS",
    "additionalInfo": "Australian Residents"
   }
  ],
  "fees": [
   {
    "name": "BUSINESSMBRSHIP",
    "feeType": "PERIODIC",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "10.00"
    },
    "currency": "AUD",
    "additionalValue": "P1M",
    "discounts": [
     {
      "description": "Business Membership fee",
      "discountType": "BALANCE",
      "discountMethodUType": "fixedAmount",
      "fixedAmount": {
       "amount": "10.00"
      },
      "additionalValue": "25000",
      "additionalInfo": "Maintain an aggregate balance over $25,000 across all your accounts",
      "additionalInfoUri": "https://firstoptionbank.com.au/disclosure-statements/"
     }
    ]
   }
  ],
  "depositRates": [
   {
    "depositRateType": "FIXED",
    "rate": "0.049",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "6 Month Fixed Term Business Term Deposit_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "maximumValue": "9999999.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "6 Month Fixed Term Business Term Deposit_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "6",
      "maximumValue": "11",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P11M",
    "additionalInfoUri": "https://firstoptionbank.com.au/wp-content/uploads/2020/11/Deposit-Interest-Rates.pdf"
   }
  ],
  "productCategory": "TERM_DEPOSITS",
  "productId": "6MTH_BUSINESS_TERM",
  "lastUpdated": "2026-06-11T13:50:32.000+10:00",
  "name": "6 Month Fixed Term Business Term Deposit",
  "description": "6 MTH FIXED TERM BUS",
  "brand": "FIRST OPTION BANK LTD",
  "brandName": "FIRST OPTION BANK",
  "applicationUri": "https://firstoptionbank.com.au/term-deposit-application/",
  "isTailored": false,
  "additionalInformation": {
   "overviewUri": "https://firstoptionbank.com.au/accounts/",
   "termsUri": "https://firstoptionbank.com.au/disclosure-statements/",
   "eligibilityUri": "https://firstoptionbank.com.au/disclosure-statements/",
   "feesAndPricingUri": "https://firstoptionbank.com.au/wp-content/uploads/2020/11/Fees-Charges-Schedule-1007-v1220-eff-Dec2020.pdf"
  }
 }
}