{
 "snapshot_at": "2026-10-02T09:50:57Z",
 "brand": "Regional Australia Bank",
 "brand_slug": "regional-australia-bank",
 "product_id": "3b71cbfb-4ad2-4a6f-8ec9-f5007a9711e2",
 "cdr_url": "https://public-data.cdr.regaustbank.io/cds-au/v1/banking/products/3b71cbfb-4ad2-4a6f-8ec9-f5007a9711e2",
 "x_v": 7,
 "how_to_fetch": "curl -H 'x-v: 7' 'https://public-data.cdr.regaustbank.io/cds-au/v1/banking/products/3b71cbfb-4ad2-4a6f-8ec9-f5007a9711e2'",
 "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": "Regional Australia Bank",
  "description": "A tax-effective investment that allows primary producers to set aside pre-tax income as a cash reserve for later years.",
  "isTailored": true,
  "lastUpdated": "2026-04-30T02:07:28.075979Z",
  "name": "Farm Management Account",
  "productCategory": "TERM_DEPOSITS",
  "productId": "3b71cbfb-4ad2-4a6f-8ec9-f5007a9711e2",
  "additionalInformation": {
   "overviewUri": "https://www.regionalaustraliabank.com.au/business/investment-accounts/farm-management-deposit",
   "termsUri": "https://www.regionalaustraliabank.com.au/business/investment-accounts/farm-management-deposit",
   "eligibilityUri": "https://www.regionalaustraliabank.com.au/business/investment-accounts/farm-management-deposit",
   "feesAndPricingUri": "https://www.regionalaustraliabank.com.au/business/investment-accounts/farm-management-deposit",
   "bundleUri": null,
   "additionalOverviewUris": null,
   "additionalTermsUris": null,
   "additionalEligibilityUris": null,
   "additionalFeesAndPricingUris": null,
   "additionalBundleUris": null
  },
  "applicationUri": "https://www.regionalaustraliabank.com.au/personal/support/investment-account",
  "brandName": "Regional Australia Bank",
  "brandGroup": null,
  "cardArt": [],
  "effectiveFrom": null,
  "effectiveTo": null,
  "bundles": [],
  "constraints": [
   {
    "constraintType": "MAX_BALANCE",
    "additionalInfo": "Maximum deposit is $800,000.00",
    "additionalInfoUri": null,
    "additionalValue": "800000.00"
   },
   {
    "constraintType": "MIN_BALANCE",
    "additionalInfo": "A minimum $1,000 investment applies to this product.",
    "additionalInfoUri": null,
    "additionalValue": "1000.00"
   },
   {
    "constraintType": "OPENING_BALANCE",
    "additionalInfo": "A minimum $1,000 investment applies to this product.",
    "additionalInfoUri": null,
    "additionalValue": "1000.00"
   }
  ],
  "depositRates": [
   {
    "depositRateType": "FIXED",
    "rate": "0.00",
    "additionalInfo": "Interest rates are available on request for this product.",
    "additionalInfoUri": "https://www.regionalaustraliabank.com.au/business/investment-accounts/farm-management-deposit#enquire-now",
    "additionalValue": "P1M",
    "applicationFrequency": "P1M",
    "calculationFrequency": "P1D",
    "tiers": [],
    "applicationType": "PERIODIC",
    "applicabilityConditions": []
   }
  ],
  "eligibility": [
   {
    "eligibilityType": "OTHER",
    "additionalInfo": "As a customer-owned bank, customers must also become a shareholder of Regional Australia Bank to be eligible to open an account.",
    "additionalInfoUri": null,
    "additionalValue": null
   },
   {
    "eligibilityType": "RESIDENCY_STATUS",
    "additionalInfo": "Individuals must be citizens or permanent residents of Australia.",
    "additionalInfoUri": null,
    "additionalValue": "Australian Resident"
   },
   {
    "eligibilityType": "OTHER",
    "additionalInfo": "To open a Farm Management Deposit account you must first meet special legislative requirements.This includes, but is not limited to being a primary producer as defined by Australian tax law. Please refer to the Regional Australia Bank Product Disclosure Statement for more information.",
    "additionalInfoUri": "https://www.regionalaustraliabank.com.au/getContentAsset/24cc290b-8607-43b6-8816-e9a8f5e225be/3beffb48-3dfa-48f3-8905-aded8557907a/Farm-20Management-20Deposit-20PDS.pdf?language=en",
    "additionalValue": null
   }
  ],
  "features": [
   {
    "featureType": "DIGITAL_BANKING",
    "additionalInfo": "Access your account balances 24/7 wherever you are and whenever you want with RAB mobile and internet banking.",
    "additionalInfoUri": null,
    "additionalValue": null,
    "isActivated": "UNKNOWN"
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "No account keeping fee",
    "additionalInfoUri": null,
    "additionalValue": null,
    "isActivated": "UNKNOWN"
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "Funds held in a FMD account will be deducted from your assessable income in the year in which the deposit is made. Withdrawals are considered assessable income for that year's tax return. Keep in mind, deposits in the FMD account must be kept for at least 12 months to be eligible for tax benefits.",
    "additionalInfoUri": null,
    "additionalValue": null,
    "isActivated": "UNKNOWN"
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "Combined balances of up to $250,000 per account holder are guaranteed and secured by the Australian Government.",
    "additionalInfoUri": "https://www.regionalaustraliabank.com.au/about-us/corporate-documents/policies-and-guides/financial-claims-scheme",
    "additionalValue": null,
    "isActivated": "UNKNOWN"
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "Helps balance good and bad times, by allowing eligible customers to set aside their individual pre-tax income in good years as a cash reserve to withdraw from in less profitable years.",
    "additionalInfoUri": null,
    "additionalValue": null,
    "isActivated": "UNKNOWN"
   }
  ],
  "fees": [
   {
    "feeType": "EXIT",
    "name": "Early Redemption Adminstration Fee",
    "additionalInfo": "This fee may apply when you request to redeem your deposit prior to the maturity date. A reduced Interest Rate applies in addition to this fee. ",
    "additionalInfoUri": null,
    "additionalValue": null,
    "currency": "AUD",
    "discounts": [],
    "feeMethodUType": "variable",
    "fixedAmount": null,
    "rateBased": null,
    "variable": {
     "feeMinimum": "0.01",
     "feeMaximum": null
    },
    "feeCap": null,
    "feeCapPeriod": null
   },
   {
    "feeType": "WITHDRAWAL",
    "name": "Cheque Withdrawal Fee (Farm Management Only)",
    "additionalInfo": "Applies per withdrawal or Interest payment from a Farm Management Account made by cheque.",
    "additionalInfoUri": null,
    "additionalValue": null,
    "currency": "AUD",
    "discounts": [],
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "2.25"
    },
    "rateBased": null,
    "variable": null,
    "feeCap": null,
    "feeCapPeriod": null
   }
  ],
  "lendingRates": [],
  "instalments": null
 }
}