{ "snapshot_at": "2026-10-02T09:50:39Z", "brand": "Maitland Mutual Limited", "brand_slug": "maitland-mutual-limited", "product_id": "Farm_Management_Deposit", "cdr_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Farm_Management_Deposit", "x_v": 7, "how_to_fetch": "curl -H 'x-v: 7' 'https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Farm_Management_Deposit'", "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", "additionalInfo": "View only access" }, { "featureType": "NOTIFICATIONS", "additionalValue": "Mutual Alerts - Balance, low and high balance, deposit, withdrawal" }, { "featureType": "OTHER", "additionalInfo": "A certificate account only" }, { "featureType": "OTHER", "additionalInfo": "Early redemption - 31 calendar days notice required" } ], "constraints": [ { "constraintType": "MIN_BALANCE", "additionalValue": "1000.00" }, { "constraintType": "MAX_BALANCE", "additionalValue": "800000.00" }, { "constraintType": "OPENING_BALANCE", "additionalValue": "1000.00" } ], "eligibility": [ { "eligibilityType": "NATURAL_PERSON", "additionalInfo": "Eligible Primary Producer", "additionalInfoUri": "https://www.agriculture.gov.au/ag-farm-food/drought/assistance/fmd" }, { "eligibilityType": "MIN_AGE", "additionalValue": "18" }, { "eligibilityType": "RESIDENCY_STATUS", "additionalValue": "Australian citizen or permanent resident, or as otherwise approved" }, { "eligibilityType": "OTHER", "additionalInfo": "Must acknowledge mandatory statement on the Farm Management scheme conditions" }, { "eligibilityType": "OTHER", "additionalInfo": "Linked account must be opened and maintained for fees and charges associated with this account" } ], "fees": [ { "name": "CHEQUE_DISHONOUR", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "9.00" }, "currency": "AUD", "additionalInfo": "A dishonoured cheque is a cheque that is not paid by the financial institution on which it is drawn. A dishonour fee will apply each time the cheque is presented for payment and dishonoured.", "additionalInfoUri": "https://www.themutual.com.au/help-support/important-documents/" }, { "name": "DOCUMENT_FEE", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "60.00" }, "currency": "AUD", "additionalInfo": "$60.00 per hour (subject to minimum $10.00 per copy). Payable if you request copies of documents such as withdrawal forms or statements, or you ask us to verify a transaction performed on your Account e.g. evidence of a Visa Debit Card purchase.", "additionalInfoUri": "https://www.themutual.com.au/help-support/important-documents/" }, { "name": "MISCELLANEOUS_SERVICE_FEE", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "60.00" }, "currency": "AUD", "additionalInfo": "$60.00 per hour. Payable if you request information not covered by the Document Fee.", "additionalInfoUri": "https://www.themutual.com.au/help-support/important-documents/" }, { "name": "UNCLAIMED_MONIES_FEE", "feeType": "CASH_ADVANCE", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "20.00" }, "currency": "AUD", "additionalInfo": "The lessor $20.00 or account balance. Payable when an account is classified as dormant.", "additionalInfoUri": "https://www.themutual.com.au/help-support/important-documents/" }, { "name": "FOREIGN_CURRENCY_CONVERSION_SERVICE_FEE", "feeType": "TRANSACTION", "feeMethodUType": "rateBased", "rateBased": { "rateType": "TRANSACTION", "rate": "0.01" }, "currency": "AUD", "additionalInfo": "A 1% service fee on the Australian dollar equivalent is payable for foreign currency transactions using your Mutual Visa Debit Card.", "additionalInfoUri": "https://www.themutual.com.au/help-support/important-documents/" }, { "name": "UNCLAIMED_MONIES_FEE", "feeType": "CASH_ADVANCE", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "20.00" }, "currency": "AUD", "additionalInfo": "The lessor $20.00 or account balance. Payable when an account is classified as dormant.", "additionalInfoUri": "https://www.themutual.com.au/help-support/important-documents/" }, { "name": "DORMANT_ACCOUNT_FEE", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "20.00" }, "currency": "AUD", "additionalInfo": "This fee is charged to each of your Deposit Accounts closed due to dormancy. The lesser of $20.00 or the account balance.", "additionalInfoUri": "https://www.themutual.com.au/help-support/important-documents/" }, { "name": "PHYSICAL_FOREIGN_CURRENCY", "feeType": "TRANSACTION", "feeMethodUType": "rateBased", "rateBased": { "rateType": "TRANSACTION", "rate": "0.01" }, "currency": "AUD", "additionalInfo": "1% of Australian currency equivalent amount. Payable when physical foreign currency is issued or purchased.", "additionalInfoUri": "https://www.themutual.com.au/help-support/important-documents/" }, { "name": "DIRECT_ENTRY_DISHONOUR", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "9.00" }, "currency": "AUD", "additionalInfo": "Payable when a direct entry (inward and outward) is dishonoured.", "additionalInfoUri": "https://www.themutual.com.au/help-support/important-documents/" }, { "name": "ATM_OWNER_FEE", "feeType": "CASH_ADVANCE", "feeMethodUType": "variable", "variable": {}, "currency": "AUD", "additionalInfo": "This fee amount is disclosed at the time of the ATM transaction and charged by the ATM owner for an ATM transaction including an ATM enquiry.", "additionalInfoUri": "https://www.themutual.com.au/help-support/important-documents/" }, { "name": "OVERDRAWN_FEE", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "9.00" }, "currency": "AUD", "additionalInfo": "If your Account is overdrawn, without our prior agreement, a fee will be charged each time this occurs. Penalty interest (at the rate disclosed on the Deposit Interest Rate Schedule) will also be charged until the Account is brought back in order.", "additionalInfoUri": "https://www.themutual.com.au/help-support/important-documents/" } ], "depositRates": [ { "depositRateType": "FIXED", "rate": "0.0385", "calculationFrequency": "P1D", "applicationType": "MATURITY", "tiers": [ { "name": "Farm Management Deposit_Tier", "unitOfMeasure": "DOLLAR", "minimumValue": "1000.00", "maximumValue": "800000.00", "rateApplicationMethod": "WHOLE_BALANCE" }, { "name": "Farm Management Deposit_Tier", "unitOfMeasure": "MONTH", "minimumValue": "3", "maximumValue": "3", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P3M", "additionalInfoUri": "https://themutual.com.au/business-banking/savings-investment-accounts/farm-management-deposit/" }, { "depositRateType": "FIXED", "rate": "0.046", "calculationFrequency": "P1D", "applicationType": "MATURITY", "tiers": [ { "name": "Farm Management Deposit_Tier", "unitOfMeasure": "DOLLAR", "minimumValue": "1000.00", "maximumValue": "800000.00", "rateApplicationMethod": "WHOLE_BALANCE" }, { "name": "Farm Management Deposit_Tier", "unitOfMeasure": "MONTH", "minimumValue": "6", "maximumValue": "6", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P6M", "additionalInfoUri": "https://themutual.com.au/business-banking/savings-investment-accounts/farm-management-deposit/" }, { "depositRateType": "FIXED", "rate": "0.052", "calculationFrequency": "P1D", "applicationType": "MATURITY", "tiers": [ { "name": "Farm Management Deposit_Tier", "unitOfMeasure": "DOLLAR", "minimumValue": "1000.00", "maximumValue": "800000.00", "rateApplicationMethod": "WHOLE_BALANCE" }, { "name": "Farm Management Deposit_Tier", "unitOfMeasure": "MONTH", "minimumValue": "12", "maximumValue": "12", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P12M", "additionalInfoUri": "https://themutual.com.au/business-banking/savings-investment-accounts/farm-management-deposit/" }, { "depositRateType": "FIXED", "rate": "0.0435", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P12M", "tiers": [ { "name": "Farm Management Deposit_Tier", "unitOfMeasure": "DOLLAR", "minimumValue": "1000.00", "maximumValue": "800000.00", "rateApplicationMethod": "WHOLE_BALANCE" }, { "name": "Farm Management Deposit_Tier", "unitOfMeasure": "MONTH", "minimumValue": "24", "maximumValue": "24", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P24M", "additionalInfoUri": "https://themutual.com.au/business-banking/savings-investment-accounts/farm-management-deposit/" } ], "productCategory": "TERM_DEPOSITS", "productId": "Farm_Management_Deposit", "lastUpdated": "2026-10-01T21:05:43.000+10:00", "name": "Farm Management Deposit", "description": "A Farm Management Deposit which offers a fixed rate for terms up to 24 months.", "brand": "TheMutualBank", "brandName": "The Mutual Bank", "isTailored": false, "additionalInformation": { "overviewUri": "https://www.themutual.com.au/business/investments/farm-management-deposit/", "termsUri": "https://www.themutual.com.au/help-support/important-documents/", "eligibilityUri": "https://www.themutual.com.au/help-support/important-documents/", "feesAndPricingUri": "https://www.themutual.com.au/help-support/important-documents/" } } }