{
 "snapshot_at": "2026-10-02T09:50:36Z",
 "brand": "IMB Bank",
 "brand_slug": "imb-bank",
 "product_id": "TD-2-1",
 "cdr_url": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/TD-2-1",
 "x_v": 7,
 "how_to_fetch": "curl -H 'x-v: 7' 'https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/TD-2-1'",
 "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": {
  "productId": "TD-2-1",
  "effectiveFrom": "2020-10-01T00:00:00+10:00",
  "lastUpdated": "2026-09-22T00:00:00+10:00",
  "productCategory": "TERM_DEPOSITS",
  "name": "Negotiable Interest Term Account (NITA)",
  "description": "Negotiable interest rates available for term investment amounts over $100,000",
  "brand": "IMB Bank",
  "applicationUri": "https://www.imb.com.au/term-deposit-enquiry",
  "isTailored": true,
  "additionalInformation": {
   "overviewUri": "https://www.imb.com.au/banking/term-deposits",
   "termsUri": "https://www.imb.com.au/important-information",
   "feesAndPricingUri": "https://www.imb.com.au/help-centre/rates-and-fees"
  },
  "features": [
   {
    "featureType": "DIGITAL_BANKING",
    "additionalInfo": "Internet Banking and Mobile Banking App.",
    "additionalInfoUri": "https://www.imb.com.au/banking/ways-to-bank/mobile-app"
   },
   {
    "featureType": "OTHER",
    "additionalValue": "Branch",
    "additionalInfo": "IMB boasts an extensive branch network throughout the Illawarra, Sydney, NSW South Coast, the ACT and Melbourne.",
    "additionalInfoUri": "https://www.imb.com.au/banking/ways-to-bank/branch"
   },
   {
    "featureType": "OTHER",
    "additionalValue": "Telephone Banking",
    "additionalInfo": "IMB's Phone Banking Service gives you 24 hour access to your accounts from any touchphone.",
    "additionalInfoUri": "https://www.imb.com.au/banking/ways-to-bank/phone-banking"
   },
   {
    "featureType": "OTHER",
    "additionalValue": "Phone Banking Operator Assisted",
    "additionalInfo": "IMB consultants are available Monday to Friday 8am - 8pm and Saturday 9am - 4pm",
    "additionalInfoUri": "https://www.imb.com.au/banking/ways-to-bank/phone-banking"
   },
   {
    "featureType": "FUNDS_AVAILABLE_AFTER",
    "additionalInfo": "31 Days' notice is required to withdraw funds prior to the maturity date.",
    "additionalInfoUri": "https://www.imb.com.au/banking/term-deposits"
   },
   {
    "featureType": "FRAUD_PROTECTION"
   }
  ],
  "constraints": [
   {
    "constraintType": "OPENING_BALANCE",
    "additionalValue": "100000"
   },
   {
    "constraintType": "MIN_BALANCE",
    "additionalValue": "100000"
   },
   {
    "constraintType": "OTHER",
    "additionalValue": "30 days",
    "additionalInfo": "The mininum term"
   }
  ],
  "eligibility": [
   {
    "eligibilityType": "PENSION_RECIPIENT"
   }
  ],
  "fees": [
   {
    "name": "Special clearance on cheques",
    "feeType": "EVENT",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "16.00"
    },
    "currency": "AUD",
    "additionalInfo": "Maximum charge. Charges either wholly or partly imposed by third parties.",
    "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
   },
   {
    "name": "Transaction Listing - Electronic - up to 10 pages",
    "feeType": "EVENT",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "5.00"
    },
    "currency": "AUD",
    "additionalInfo": "",
    "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
   },
   {
    "name": "Transaction Listing - Electronic - 10 pages and over",
    "feeType": "EVENT",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "0.50"
    },
    "currency": "AUD",
    "additionalInfo": "Per page",
    "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
   },
   {
    "name": "Interest statement - Electronic",
    "feeType": "EVENT",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "2.50"
    },
    "currency": "AUD",
    "additionalInfo": "Per page",
    "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
   },
   {
    "name": "Copy of withdrawal or deposit form",
    "feeType": "EVENT",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "15.00"
    },
    "currency": "AUD",
    "additionalInfo": "",
    "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
   },
   {
    "name": "Recalculation of interest",
    "feeType": "EVENT",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "30.00"
    },
    "currency": "AUD",
    "additionalInfo": "Per page",
    "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
   },
   {
    "name": "Research fee",
    "feeType": "EVENT",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "30.00"
    },
    "currency": "AUD",
    "additionalInfo": "Per page",
    "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
   },
   {
    "name": "Retrieval of archived documents",
    "feeType": "EVENT",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "20.00"
    },
    "currency": "AUD",
    "additionalInfo": "Per page",
    "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
   },
   {
    "name": "Audit Certificate",
    "feeType": "EVENT",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "30.00"
    },
    "currency": "AUD",
    "additionalInfo": "Per certificate",
    "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
   },
   {
    "name": "Unclaimed monies/dormant account",
    "feeType": "EVENT",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "40.00"
    },
    "currency": "AUD",
    "additionalInfo": "Maximum charge per account",
    "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
   },
   {
    "name": "Bulk coin count",
    "feeType": "DEPOSIT",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "5.00"
    },
    "currency": "AUD",
    "additionalInfo": "Maximum charge",
    "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
   },
   {
    "name": "Total cash withdrawal over $2,000 in a day",
    "feeType": "WITHDRAWAL",
    "feeMethodUType": "rateBased",
    "rateBased": {
     "rateType": "TRANSACTION",
     "rate": "0.002",
     "amountRange": {}
    },
    "currency": "AUD",
    "additionalInfo": "A fee of 0.2% of total cash withdrawals is charged for total cash withdrawals over $2000 in a day.",
    "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
   },
   {
    "name": "Manual deposit other institution",
    "feeType": "DEPOSIT",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "10.00"
    },
    "currency": "AUD",
    "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
   },
   {
    "name": "Trace on Financial Institution cheque",
    "feeType": "EVENT",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "50.00"
    },
    "currency": "AUD",
    "additionalInfo": "Charges either wholly or partly imposed by third parties.",
    "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
   },
   {
    "name": "Copy of Financial Institution cheque",
    "feeType": "EVENT",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "16.00"
    },
    "currency": "AUD",
    "additionalInfo": "Maximum charge. Charges either wholly or partly imposed by third parties.",
    "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
   },
   {
    "name": "Stop payment fee (IMB cheques)",
    "feeType": "EVENT",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "12.50"
    },
    "currency": "AUD",
    "additionalInfo": "Maximum charge. Charges either wholly or partly imposed by third parties.",
    "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
   },
   {
    "name": "Foreign cheque conversion (value less than AU$10,000)",
    "feeType": "DEPOSIT",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "25.00"
    },
    "currency": "AUD",
    "additionalInfo": "Minimum charge, subject to additional fees and charges. Charges either wholly or partly imposed by third parties",
    "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
   },
   {
    "name": "Foreign cheque conversion (value AU$10,000 and greater)",
    "feeType": "DEPOSIT",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "50.00"
    },
    "currency": "AUD",
    "additionalInfo": "Minimum charge, subject to additional fees and charges. Charges either wholly or partly imposed by third parties",
    "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
   },
   {
    "name": "Purchase of foreign currency",
    "feeType": "WITHDRAWAL",
    "feeMethodUType": "rateBased",
    "rateBased": {
     "rateType": "TRANSACTION",
     "rate": "0.01",
     "amountRange": {
      "feeMinimum": "10.00"
     }
    },
    "currency": "AUD",
    "additionalInfo": "$10 or 1% of the value of the total order (whichever is greater).",
    "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
   },
   {
    "name": "SMS Alerts ",
    "feeType": "EVENT",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "0.25"
    },
    "currency": "AUD",
    "additionalInfo": "Per alert",
    "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
   }
  ]
 }
}