{
  "source": "https://ib.cwcu.com.au/openbanking/cds-au/v1/banking/products/No_2_Deposit_account",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "features": [
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfoUri": "https://www.cwcu.com.au/other-services/cards-and-ways-to-bank/redinet-online-banking"
      },
      {
        "featureType": "UNLIMITED_TXNS",
        "additionalInfoUri": "https://www.cwcu.com.au/cwcu/media/Documents/Summary-of-Accounts-Availability-of-Access-December-20.pdf"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Card access is not available on this product"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Australian Residents only"
      }
    ],
    "fees": [
      {
        "name": "DIRECT_DEBIT_REJECTION_FEE",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "feeCap": "0.00",
        "feeCapPeriond": "",
        "currency": "AUD"
      },
      {
        "name": "OVER_THE_COUNTER_CASH_WITHDRAWALS",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "1.50"
        },
        "feeCap": "0.00",
        "feeCapPeriond": "",
        "currency": "AUD",
        "additionalInfo": "Discounts apply",
        "discounts": [
          {
            "description": "Under 18 years of age",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "1.50"
            }
          },
          {
            "description": "Relationship Balance",
            "discountType": "BALANCE",
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "50000.00"
            },
            "additionalValue": "Relationship Balance >$50,000"
          }
        ]
      },
      {
        "name": "PAPER_STATEMENT_FEE",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.50"
        },
        "feeCap": "0.00",
        "feeCapPeriond": "",
        "currency": "AUD",
        "additionalValue": "Charged when a paper statement is produced",
        "discounts": [
          {
            "description": "Under 16 years of age",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "2.50"
            }
          }
        ]
      },
      {
        "name": "STAFF_ASSISTED_BPAY_TRANSACTION_FEE",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "1.00"
        },
        "feeCap": "0.00",
        "feeCapPeriond": "",
        "currency": "AUD"
      },
      {
        "name": "STAFF_ASSISTED_DIRECT_TRANSFER_FEE",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "feeCap": "0.00",
        "feeCapPeriond": "",
        "currency": "AUD",
        "additionalInfo": "$10 for immediate transfer"
      },
      {
        "name": "OVERDRAWN_ACCOUNT_FEE",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "feeCap": "0.00",
        "feeCapPeriond": "",
        "currency": "AUD"
      },
      {
        "name": "DORMANT_ACCOUNT_FEE",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "feeCap": "0.00",
        "feeCapPeriond": "",
        "currency": "AUD",
        "additionalInfo": "Charged after 2 years of inactivity"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0005",
        "calculationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1Y",
        "tiers": [
          {
            "name": "No 2 Deposit Account_Tier_1",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "4999.99",
            "rateApplicationMethod": "PER_TIER"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0005",
        "calculationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1Y",
        "tiers": [
          {
            "name": "No 2 Deposit Account_Tier_2",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "5000.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ]
      }
    ],
    "productId": "No_2_Deposit_account",
    "effectiveFrom": "2021-03-01T00:00:00.000+11:00",
    "lastUpdated": "2026-05-31T07:55:42.000+10:00",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "No 2 Deposit Account",
    "description": "For budgeting and reaching your financial goals",
    "brand": "CENTRAL WEST CREDIT UNION LTD",
    "brandName": "CENTRAL WEST CREDIT UNION LTD",
    "applicationUri": "https://www.cwcu.com.au/savings/other-savings-accounts",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.cwcu.com.au/savings/other-savings-accounts",
      "termsUri": "https://www.cwcu.com.au/disclosure-documents/conditions-of-use",
      "eligibilityUri": "https://www.cwcu.com.au/disclosure-documents/conditions-of-use",
      "feesAndPricingUri": "https://www.cwcu.com.au/disclosure-documents/fees-and-charges",
      "bundleUri": "https://www.cwcu.com.au/savings/other-savings-accounts"
    }
  }
}