{
 "snapshot_at": "2026-10-02T09:50:15Z",
 "brand": "First Option Bank",
 "brand_slug": "first-option-bank",
 "product_id": "6MTH_REGULAR_INCOME",
 "cdr_url": "https://internetbanking.firstoption.com.au/OpenBanking/cds-au/v1/banking/products/6MTH_REGULAR_INCOME",
 "x_v": 7,
 "how_to_fetch": "curl -H 'x-v: 7' 'https://internetbanking.firstoption.com.au/OpenBanking/cds-au/v1/banking/products/6MTH_REGULAR_INCOME'",
 "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": {
  "features": [
   {
    "featureType": "DIGITAL_BANKING"
   },
   {
    "featureType": "NOTIFICATIONS"
   }
  ],
  "constraints": [
   {
    "constraintType": "MIN_BALANCE",
    "additionalValue": "25000.00"
   },
   {
    "constraintType": "MAX_BALANCE",
    "additionalValue": "2000000.00"
   }
  ],
  "eligibility": [
   {
    "eligibilityType": "NATURAL_PERSON",
    "additionalInfo": "Individual and Joint Accounts"
   },
   {
    "eligibilityType": "RESIDENCY_STATUS",
    "additionalInfo": "Australian Residents"
   }
  ],
  "fees": [
   {
    "name": "MEMBERSHIP_ADMIN_FEE",
    "feeType": "PERIODIC",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "5.00"
    },
    "currency": "AUD",
    "additionalValue": "P1M",
    "discounts": [
     {
      "description": "Membership Admin Fee",
      "discountType": "ELIGIBILITY_ONLY",
      "discountMethodUType": "fixedAmount",
      "fixedAmount": {
       "amount": "5.00"
      },
      "eligibility": [
       {
        "discountEligibilityType": "MAX_AGE",
        "additionalValue": "21"
       },
       {
        "discountEligibilityType": "INTRODUCTORY",
        "additionalValue": "P3M"
       },
       {
        "discountEligibilityType": "OTHER",
        "additionalInfo": "If you have a credit card at First Option you will not be charged this fee"
       },
       {
        "discountEligibilityType": "OTHER",
        "additionalInfo": "Maintain an aggregate balance over $1,000 across all your accounts"
       }
      ]
     }
    ]
   }
  ],
  "depositRates": [
   {
    "depositRateType": "FIXED",
    "rate": "0.0005",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1M",
    "tiers": [
     {
      "name": "6 Month Regular Income Term Deposit_Tier_1",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "25000.00",
      "maximumValue": "24999.99",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "6 Month Regular Income Term Deposit_Tier_1",
      "unitOfMeasure": "MONTH",
      "minimumValue": "6",
      "maximumValue": "6",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P6M",
    "additionalInfoUri": "https://firstoptionbank.com.au/disclosure-statements/"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0005",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1M",
    "tiers": [
     {
      "name": "6 Month Regular Income Term Deposit_Tier_2",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "25000.00",
      "maximumValue": "249999.99",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "6 Month Regular Income Term Deposit_Tier_2",
      "unitOfMeasure": "MONTH",
      "minimumValue": "6",
      "maximumValue": "6",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P6M",
    "additionalInfoUri": "https://firstoptionbank.com.au/disclosure-statements/"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0005",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1M",
    "tiers": [
     {
      "name": "6 Month Regular Income Term Deposit_Tier_3",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "250000.00",
      "maximumValue": "500000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "6 Month Regular Income Term Deposit_Tier_3",
      "unitOfMeasure": "MONTH",
      "minimumValue": "6",
      "maximumValue": "6",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P6M",
    "additionalInfoUri": "https://firstoptionbank.com.au/disclosure-statements/"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1M",
    "tiers": [
     {
      "name": "6 Month Regular Income Term Deposit_Tier_4",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "500000.01",
      "maximumValue": "500000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "6 Month Regular Income Term Deposit_Tier_4",
      "unitOfMeasure": "MONTH",
      "minimumValue": "6",
      "maximumValue": "6",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P6M",
    "additionalInfoUri": "https://firstoptionbank.com.au/disclosure-statements/"
   }
  ],
  "productCategory": "TERM_DEPOSITS",
  "productId": "6MTH_REGULAR_INCOME",
  "lastUpdated": "2026-06-04T12:28:27.000+10:00",
  "name": "6 Month Regular Income Term Deposit",
  "description": "Interest Paid Monthly",
  "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/disclosure-statements/"
  }
 }
}