{
  "source": "https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products/e0589ed4-b32b-4d7d-9c60-2ad88b038e11",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "brand": "Bank First",
    "description": "Child Transaction Account",
    "isTailored": false,
    "lastUpdated": "2026-05-21T23:40:13.973491Z",
    "name": "First Access Account",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "e0589ed4-b32b-4d7d-9c60-2ad88b038e11",
    "additionalInformation": {
      "overviewUri": "https://www.bankfirst.com.au/bank-accounts/transaction-accounts/first-access-account",
      "termsUri": "https://www.bankfirst.com.au/disclosure-documents",
      "eligibilityUri": "https://www.bankfirst.com.au/-/media/bankfirst/pdfs/termsandconditions/tc_part_a.pdf?la=en&hash=1BD3E51F84EC9362648BB08285FA0082715FEDB6",
      "feesAndPricingUri": "https://www.bankfirst.com.au/-/media/bankfirst/pdfs/termsandconditions/tc_part_b.pdf?la=en&hash=172D55D317D95FDB13F24CDFDE6D3B6B2E7C7F37",
      "bundleUri": null,
      "additionalOverviewUris": null,
      "additionalTermsUris": null,
      "additionalEligibilityUris": null,
      "additionalFeesAndPricingUris": null,
      "additionalBundleUris": null
    },
    "applicationUri": "https://form.bankfirst.com.au/account-application",
    "brandName": "Bank First Production",
    "brandGroup": null,
    "cardArt": [
      {
        "imageUri": "https://cdn.intelligencebank.com/au/share/e3Gq6M/EzVJM/OR71E/original/bank-first-debit-card-512px",
        "title": null,
        "cardScheme": "VISA",
        "cardType": "DEBIT"
      }
    ],
    "effectiveFrom": null,
    "effectiveTo": null,
    "bundles": [],
    "constraints": [],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0195",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "applicationFrequency": "P3M",
        "calculationFrequency": "P1D",
        "tiers": [],
        "applicationType": "PERIODIC",
        "applicabilityConditions": []
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MAX_AGE",
        "additionalInfo": "17 years or less",
        "additionalInfoUri": null,
        "additionalValue": "17"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Available to members only.",
        "additionalInfoUri": null,
        "additionalValue": null
      }
    ],
    "features": [
      {
        "featureType": "OTHER",
        "additionalInfo": "Phone banking is available",
        "additionalInfoUri": null,
        "additionalValue": null,
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Other service related charges apply based on your circumstances",
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        "additionalValue": null,
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "Google Pay",
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "The minimum age to register for internet banking is 12 years old and the child must be a signatory on the account. However, a child that wants to register and is aged between 12-14 years old can be registered, so long as they have a parent/guardian attached to the account that is also is a signatory.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "ApplePay",
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "CARD_ACCESS",
        "additionalInfo": "Any Visa Debit Card on this account when the child is under the age of 12, is to be in the name of the adult authorised to operate the account.",
        "additionalInfoUri": null,
        "additionalValue": "Visa Debit Card",
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "UNLIMITED_TXNS",
        "additionalInfo": "For the following transactions are free: Purchases on Visa Debit Card by pressing    credit   ,  purchases over the phone or Internet, Purchases on Visa Debit Card by pressing    savings    or    cheque', Electronic payments - quoting a valid BSB and account number, Bpay transactions, NPP including Osko payments. PayID and Bank@Post withdrawals.",
        "additionalInfoUri": null,
        "additionalValue": null,
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      },
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        "additionalInfoUri": null,
        "additionalValue": null,
        "isActivated": "UNKNOWN"
      },
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        "additionalInfoUri": null,
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        "isActivated": "UNKNOWN"
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        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Issue Card Or Pin Internationally By Registered Mail",
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        "additionalInfoUri": "https://www.bankfirst.com.au/-/media/bankfirst/pdfs/termsandconditions/tc_part_b.pdf?la=en&hash=172D55D317D95FDB13F24CDFDE6D3B6B2E7C7F37",
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        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Coin Handling Fee",
        "additionalInfo": "Handling of a coin deposit or withdrawal - $5 per every $100.",
        "additionalInfoUri": "https://www.bankfirst.com.au/-/media/bankfirst/pdfs/termsandconditions/tc_part_b.pdf?la=en&hash=172D55D317D95FDB13F24CDFDE6D3B6B2E7C7F37",
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        "feeCap": null,
        "feeCapPeriod": null
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      {
        "feeType": "DISHONOUR",
        "name": "Direct Debit Dishonour Fee",
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        "feeCap": null,
        "feeCapPeriod": null
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      {
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        "name": "Account Keeping Fees",
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        "feeCap": null,
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      },
      {
        "feeType": "REPLACEMENT",
        "name": "Replacement Card Fee",
        "additionalInfo": "$12.00 Staff Assisted and $8 via Mobile Banking App",
        "additionalInfoUri": "https://www.bankfirst.com.au/-/media/bankfirst/pdfs/termsandconditions/tc_part_b.pdf?la=en&hash=172D55D317D95FDB13F24CDFDE6D3B6B2E7C7F37",
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        "rateBased": null,
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        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "WITHDRAWAL",
        "name": "Visa Debit Card Overseas Atm Withdrawals",
        "additionalInfo": "The ATM operator may charge a fee at the time of the transaction",
        "additionalInfoUri": "https://www.bankfirst.com.au/-/media/bankfirst/pdfs/termsandconditions/tc_part_b.pdf?la=en&hash=172D55D317D95FDB13F24CDFDE6D3B6B2E7C7F37",
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        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Direct Entry Return Fee",
        "additionalInfo": null,
        "additionalInfoUri": "https://www.bankfirst.com.au/-/media/bankfirst/pdfs/termsandconditions/tc_part_b.pdf?la=en&hash=172D55D317D95FDB13F24CDFDE6D3B6B2E7C7F37",
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        },
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        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "WITHDRAWAL",
        "name": "Visa Debit Over The Counter Cash Advance",
        "additionalInfo": null,
        "additionalInfoUri": "https://www.bankfirst.com.au/-/media/bankfirst/pdfs/termsandconditions/tc_part_b.pdf?la=en&hash=172D55D317D95FDB13F24CDFDE6D3B6B2E7C7F37",
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        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Direct Debit Stop Request",
        "additionalInfo": null,
        "additionalInfoUri": "https://www.bankfirst.com.au/-/media/bankfirst/pdfs/termsandconditions/tc_part_b.pdf?la=en&hash=172D55D317D95FDB13F24CDFDE6D3B6B2E7C7F37",
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        "discounts": [],
        "feeMethodUType": "fixedAmount",
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        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Express Posting Of Card Or Pin In Australia",
        "additionalInfo": null,
        "additionalInfoUri": "https://www.bankfirst.com.au/-/media/bankfirst/pdfs/termsandconditions/tc_part_b.pdf?la=en&hash=172D55D317D95FDB13F24CDFDE6D3B6B2E7C7F37",
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        "feeCap": null,
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      },
      {
        "feeType": "EVENT",
        "name": "Overdrawn Account Fee",
        "additionalInfo": "Applies when your Transaction / Savings Account is overdrawn or the balance exceeds the limit of any Overdraft attached to the account at close of business and charged again at seven day increments if the balance remains overdrawn / limit exceeded.",
        "additionalInfoUri": "https://www.bankfirst.com.au/-/media/bankfirst/pdfs/termsandconditions/tc_part_b.pdf?la=en&hash=172D55D317D95FDB13F24CDFDE6D3B6B2E7C7F37",
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        "variable": null,
        "feeCap": null,
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      },
      {
        "feeType": "ENQUIRY",
        "name": "Statement Request",
        "additionalInfo": null,
        "additionalInfoUri": "https://www.bankfirst.com.au/-/media/bankfirst/pdfs/termsandconditions/tc_part_b.pdf?la=en&hash=172D55D317D95FDB13F24CDFDE6D3B6B2E7C7F37",
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      },
      {
        "feeType": "REPLACEMENT",
        "name": "Emergency Overseas Replacement Card Fee",
        "additionalInfo": null,
        "additionalInfoUri": "https://www.bankfirst.com.au/-/media/bankfirst/pdfs/termsandconditions/tc_part_b.pdf?la=en&hash=172D55D317D95FDB13F24CDFDE6D3B6B2E7C7F37",
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        "currency": "AUD",
        "discounts": [
          {
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            "additionalInfo": null,
            "additionalInfoUri": "https://www.bankfirst.com.au/disclosure-documents",
            "additionalValue": null,
            "eligibility": [
              {
                "discountEligibilityType": "OTHER",
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                "additionalInfoUri": null,
                "additionalValue": null
              }
            ],
            "discountMethodUType": "fixedAmount",
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        ],
        "feeMethodUType": "fixedAmount",
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      },
      {
        "feeType": "TRANSACTION",
        "name": "Currency Conversion Fee",
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        "additionalInfoUri": "https://www.bankfirst.com.au/-/media/bankfirst/pdfs/termsandconditions/tc_part_b.pdf?la=en&hash=172D55D317D95FDB13F24CDFDE6D3B6B2E7C7F37",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [
          {
            "description": "This fee is waived for Premier/Rewards Package Home Loan customers",
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            "additionalInfo": null,
            "additionalInfoUri": "https://www.bankfirst.com.au/disclosure-documents",
            "additionalValue": null,
            "eligibility": [
              {
                "discountEligibilityType": "OTHER",
                "additionalInfo": "This fee is waived for Premier/Rewards Package Home Loan customers",
                "additionalInfoUri": "https://www.bankfirst.com.au/-/media/bankfirst/pdfs/termsandconditions/tc_part_b.pdf?la=en&hash=172D55D317D95FDB13F24CDFDE6D3B6B2E7C7F37",
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        ],
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    "lendingRates": [],
    "instalments": null
  }
}