{ "source": "https://public.cdr.familyfirst.com.au/cds-au/v1/banking/products/161cdee4-7d74-4dc4-9ced-fc611c395539", "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": "FAMILY FIRST CREDIT UNION LTD", "description": "An 100% Mortgage offset facility which reduces your loan interest making it so you can own your home sooner.\n\nThis account can only be opened when you have an eligible mortgage with Family First. You can get the benefit of offsetting you interest while using the same account for everyday purchases. ", "isTailored": false, "lastUpdated": "2026-02-15T01:06:32.483682Z", "name": "Home Loan Offset Account", "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS", "productId": "161cdee4-7d74-4dc4-9ced-fc611c395539", "additionalInformation": { "overviewUri": "https://familyfirst.com.au/savings/savings-accounts/", "termsUri": "https://familyfirst.com.au/about-us/disclosure-statements/", "eligibilityUri": "https://familyfirst.com.au/wp-content/uploads/2024/04/Family-First-TMD-Home-Loan-Offset-Account-April-2024.pdf", "feesAndPricingUri": "https://familyfirst.com.au/fees-charges/", "bundleUri": null, "additionalOverviewUris": null, "additionalTermsUris": null, "additionalEligibilityUris": null, "additionalFeesAndPricingUris": null, "additionalBundleUris": null }, "applicationUri": "https://familyfirst.com.au/contact-us/", "brandName": "FF PM Production", "cardArt": [], "effectiveFrom": "2024-04-03T13:00:00Z", "effectiveTo": null, "bundles": [], "constraints": [ { "constraintType": "MIN_BALANCE", "additionalInfo": "", "additionalInfoUri": null, "additionalValue": "1.00" } ], "depositRates": [], "eligibility": [ { "eligibilityType": "RESIDENCY_STATUS", "additionalInfo": "", "additionalInfoUri": null, "additionalValue": "Member must be an Australian resident" }, { "eligibilityType": "OTHER", "additionalInfo": "Member must have a home loan with Family First", "additionalInfoUri": null, "additionalValue": "" } ], "features": [ { "featureType": "CARD_ACCESS", "additionalInfo": "", "additionalInfoUri": null, "additionalValue": null }, { "featureType": "ADDITIONAL_CARDS", "additionalInfo": "", "additionalInfoUri": null, "additionalValue": null }, { "featureType": "OFFSET", "additionalInfo": "", "additionalInfoUri": null, "additionalValue": null }, { "featureType": "DIGITAL_BANKING", "additionalInfo": "", "additionalInfoUri": null, "additionalValue": null }, { "featureType": "NPP_PAYID", "additionalInfo": "", "additionalInfoUri": null, "additionalValue": null }, { "featureType": "NPP_ENABLED", "additionalInfo": "", "additionalInfoUri": null, "additionalValue": null }, { "featureType": "OTHER", "additionalInfo": "Account participates in the relationship balance fee rebate scheme", "additionalInfoUri": null, "additionalValue": null } ], "fees": [ { "feeType": "TRANSACTION", "name": "EFTPOS Transaction", "accrualFrequency": null, "accruedRate": null, "additionalInfo": "Applies per transaction ", "additionalInfoUri": null, "additionalValue": null, "amount": "1.25", "balanceRate": null, "currency": "AUD", "discounts": [], "transactionRate": null }, { "feeType": "TRANSACTION", "name": "Over the Counter Fee", "accrualFrequency": null, "accruedRate": null, "additionalInfo": "Applies per cash withdrawal and/or member cheque encashment", "additionalInfoUri": null, "additionalValue": null, "amount": "2.75", "balanceRate": null, "currency": "AUD", "discounts": [], "transactionRate": null }, { "feeType": "EVENT", "name": "Cheque Book - 50 leaf", "accrualFrequency": null, "accruedRate": null, "additionalInfo": "Per 50 leaf cheque book", "additionalInfoUri": null, "additionalValue": null, "amount": "30.00", "balanceRate": null, "currency": "AUD", "discounts": [], "transactionRate": null }, { "feeType": "EVENT", "name": "Overseas Transfers/Drafts/Cash Passports", "accrualFrequency": null, "accruedRate": null, "additionalInfo": "At cost", "additionalInfoUri": null, "additionalValue": null, "amount": "1.00", "balanceRate": null, "currency": "AUD", "discounts": [], "transactionRate": null }, { "feeType": "EVENT", "name": "Providing the original of a Cheque/Voucher", "accrualFrequency": null, "accruedRate": null, "additionalInfo": "This fee applies when requesting an original cheque/voucher", "additionalInfoUri": null, "additionalValue": null, "amount": "50.00", "balanceRate": null, "currency": "AUD", "discounts": [], "transactionRate": null }, { "feeType": "EVENT", "name": "Trace to Other Bank", "accrualFrequency": null, "accruedRate": null, "additionalInfo": "This fee applies when requesting a trace", "additionalInfoUri": null, "additionalValue": null, "amount": "50.00", "balanceRate": null, "currency": "AUD", "discounts": [], "transactionRate": null }, { "feeType": "EVENT", "name": "Bank Audit Certificate", "accrualFrequency": null, "accruedRate": null, "additionalInfo": "This fee applies when a Bank Audit Certificate is required", "additionalInfoUri": null, "additionalValue": null, "amount": "25.00", "balanceRate": null, "currency": "AUD", "discounts": [], "transactionRate": null }, { "feeType": "EVENT", "name": "Direct Debit Honour Fee (Account Overdraws)", "accrualFrequency": null, "accruedRate": null, "additionalInfo": "Where a direct debit is paid but the balance of the account is overdrawn by the approval", "additionalInfoUri": null, "additionalValue": null, "amount": "12.50", "balanceRate": null, "currency": "AUD", "discounts": [], "transactionRate": null }, { "feeType": "EVENT", "name": "NAB Deposit Fee", "accrualFrequency": null, "accruedRate": null, "additionalInfo": "This fee applies to deposits with NAB", "additionalInfoUri": null, "additionalValue": null, "amount": "1.50", "balanceRate": null, "currency": "AUD", "discounts": [], "transactionRate": null }, { "feeType": "EVENT", "name": "IPEX (Inward deposit from another Financial Institution", "accrualFrequency": null, "accruedRate": null, "additionalInfo": "Swift transfer into an account from another financial institution", "additionalInfoUri": null, "additionalValue": null, "amount": "12.50", "balanceRate": null, "currency": "AUD", "discounts": [], "transactionRate": null }, { "feeType": "EVENT", "name": "VISA Voucher Retrieval per voucher", "accrualFrequency": null, "accruedRate": null, "additionalInfo": "Applies per voucher", "additionalInfoUri": null, "additionalValue": null, "amount": "20.00", "balanceRate": null, "currency": "AUD", "discounts": [], "transactionRate": null }, { "feeType": "EVENT", "name": "Security Postage", "accrualFrequency": null, "accruedRate": null, "additionalInfo": "This fee applies when security postage is required", "additionalInfoUri": null, "additionalValue": null, "amount": "5.00", "balanceRate": null, "currency": "AUD", "discounts": [], "transactionRate": null }, { "feeType": "VARIABLE", "name": "Bulk Coin Handling Fee (per $100 or part thereof)", "accrualFrequency": null, "accruedRate": null, "additionalInfo": "This fee applies to handling bulk coin", "additionalInfoUri": null, "additionalValue": null, "amount": "1.00", "balanceRate": null, "currency": "AUD", "discounts": [], "transactionRate": null }, { "feeType": "EVENT", "name": "Cash Passport Commission", "accrualFrequency": null, "accruedRate": null, "additionalInfo": "1.00% commision on the amount loaded to the card", "additionalInfoUri": null, "additionalValue": null, "amount": "1.00", "balanceRate": null, "currency": "AUD", "discounts": [], "transactionRate": null }, { "feeType": "EVENT", "name": "Copy of a Cheque", "accrualFrequency": null, "accruedRate": null, "additionalInfo": "This fee applies when requesting a copy fo a cheque", "additionalInfoUri": null, "additionalValue": null, "amount": "50.00", "balanceRate": null, "currency": "AUD", "discounts": [], "transactionRate": null }, { "feeType": "TRANSACTION", "name": "Domestic ATM Transaction", "accrualFrequency": null, "accruedRate": null, "additionalInfo": "Applies per ATM transaction", "additionalInfoUri": null, "additionalValue": null, "amount": "1.25", "balanceRate": null, "currency": "AUD", "discounts": [], "transactionRate": null }, { "feeType": "EVENT", "name": "Cheque Book - 100 leaf", "accrualFrequency": null, "accruedRate": null, "additionalInfo": "Per 100 leaf cheque book", "additionalInfoUri": null, "additionalValue": null, "amount": "60.00", "balanceRate": null, "currency": "AUD", "discounts": [], "transactionRate": null }, { "feeType": "TRANSACTION", "name": "Currency Conversion Fee", "accrualFrequency": null, "accruedRate": null, "additionalInfo": "The cost for conversion of overseas cash/cheques", "additionalInfoUri": null, "additionalValue": null, "amount": "25.00", "balanceRate": null, "currency": "AUD", "discounts": [], "transactionRate": null }, { "feeType": "TRANSACTION", "name": "Bank@Post Transaction Fee", "accrualFrequency": null, "accruedRate": null, "additionalInfo": "A fee applies when you complete a withdrawal or deposit to your account through a Bank@Post outlet. This fee is also applicable if your transaction is declined.", "additionalInfoUri": null, "additionalValue": null, "amount": "3.50", "balanceRate": null, "currency": "AUD", "discounts": [], "transactionRate": null }, { "feeType": "EVENT", "name": "Cheque Book - 25 leaf", "accrualFrequency": null, "accruedRate": null, "additionalInfo": "Per 25 leaf cheque book", "additionalInfoUri": null, "additionalValue": null, "amount": "15.00", "balanceRate": null, "currency": "AUD", "discounts": [], "transactionRate": null }, { "feeType": "EVENT", "name": "Special Clearance Cheque", "accrualFrequency": null, "accruedRate": null, "additionalInfo": "A fee when obtaining a special answer of a cheque", "additionalInfoUri": null, "additionalValue": null, "amount": "30.00", "balanceRate": null, "currency": "AUD", "discounts": [], "transactionRate": null }, { "feeType": "EVENT", "name": "Banklink - Load/Delete Clients", "accrualFrequency": null, "accruedRate": null, "additionalInfo": "This fee applies when loading a client to Banklink or removing them", "additionalInfoUri": null, "additionalValue": null, "amount": "25.00", "balanceRate": null, "currency": "AUD", "discounts": [], "transactionRate": null }, { "feeType": "EVENT", "name": "Bank Cheque", "accrualFrequency": null, "accruedRate": null, "additionalInfo": "This fee applies when ordering a Bank Cheque", "additionalInfoUri": null, "additionalValue": null, "amount": "20.00", "balanceRate": null, "currency": "AUD", "discounts": [], "transactionRate": null }, { "feeType": "EVENT", "name": "Copies of a Statement/Transaction Listing", "accrualFrequency": null, "accruedRate": null, "additionalInfo": "This fee applies when requesting a copy of a statement or transactional listing", "additionalInfoUri": null, "additionalValue": null, "amount": "1.00", "balanceRate": null, "currency": "AUD", "discounts": [], "transactionRate": null }, { "feeType": "TRANSACTION", "name": "Domestic ATM Enquiry/Declined Transaction", "accrualFrequency": null, "accruedRate": null, "additionalInfo": "Applies per ATM enquiry and/or when a transaction is declined", "additionalInfoUri": null, "additionalValue": null, "amount": "1.00", "balanceRate": null, "currency": "AUD", "discounts": [], "transactionRate": null }, { "feeType": "EVENT", "name": "Staff Assisted transfer on Family e-Saver Account", "accrualFrequency": null, "accruedRate": null, "additionalInfo": "This fee applies when a transfer from an e-Saver Account is processed by a Family First staff member", "additionalInfoUri": null, "additionalValue": null, "amount": "17.50", "balanceRate": null, "currency": "AUD", "discounts": [], "transactionRate": null }, { "feeType": "EVENT", "name": "VISA Chargeback Request", "accrualFrequency": null, "accruedRate": null, "additionalInfo": "Applies per request", "additionalInfoUri": null, "additionalValue": null, "amount": "25.00", "balanceRate": null, "currency": "AUD", "discounts": [], "transactionRate": null }, { "feeType": "EVENT", "name": "Member Cheque Dishonour Fee", "accrualFrequency": null, "accruedRate": null, "additionalInfo": "A fee payable per cheque dishonour", "additionalInfoUri": null, "additionalValue": null, "amount": "17.50", "balanceRate": null, "currency": "AUD", "discounts": [], "transactionRate": null }, { "feeType": "EVENT", "name": "Christmas Club - Early Withdrawal", "accrualFrequency": null, "accruedRate": null, "additionalInfo": "Early withdrawal fee of funds from a Christmas Club Account", "additionalInfoUri": null, "additionalValue": null, "amount": "15.00", "balanceRate": null, "currency": "AUD", "discounts": [], "transactionRate": null }, { "feeType": "EVENT", "name": "Quick Debit Dishonour Fee", "accrualFrequency": null, "accruedRate": null, "additionalInfo": "Where a quick debit request is rejected by us due to insufficient funds in your account a dishonour fee will apply", "additionalInfoUri": null, "additionalValue": null, "amount": "17.50", "balanceRate": null, "currency": "AUD", "discounts": [], "transactionRate": null }, { "feeType": "EVENT", "name": "Returned EFT Payment Fee", "accrualFrequency": null, "accruedRate": null, "additionalInfo": "This fee applies when an EFT is returned", "additionalInfoUri": null, "additionalValue": null, "amount": "12.50", "balanceRate": null, "currency": "AUD", "discounts": [], "transactionRate": null }, { "feeType": "TRANSACTION", "name": "VISA Cash Advance/Overseas ATM", "accrualFrequency": null, "accruedRate": null, "additionalInfo": "Applies per VISA cash advance and/or when using an ATM located internationally", "additionalInfoUri": null, "additionalValue": null, "amount": "5.00", "balanceRate": null, "currency": "AUD", "discounts": [], "transactionRate": null }, { "feeType": "TRANSACTION", "name": "Branch Cheque Withdrawal", "accrualFrequency": null, "accruedRate": null, "additionalInfo": "Applies when processing a Branch Cheque Withdrawal", "additionalInfoUri": null, "additionalValue": null, "amount": "5.00", "balanceRate": null, "currency": "AUD", "discounts": [], "transactionRate": null }, { "feeType": "TRANSACTION", "name": "Branch Cheque Deposit", "accrualFrequency": null, "accruedRate": null, "additionalInfo": "Applies when depositing a cheque", "additionalInfoUri": null, "additionalValue": null, "amount": "0.50", "balanceRate": null, "currency": "AUD", "discounts": [], "transactionRate": null }, { "feeType": "TRANSACTION", "name": "Cheque Collection", "accrualFrequency": null, "accruedRate": null, "additionalInfo": "Applies per cheque sent for collection", "additionalInfoUri": null, "additionalValue": null, "amount": "0.50", "balanceRate": null, "currency": "AUD", "discounts": [], "transactionRate": null }, { "feeType": "EVENT", "name": "Replacement of Lost VISA Debit Card - Overseas", "accrualFrequency": null, "accruedRate": null, "additionalInfo": "Applies when a VISA Debit Card is replaced whilst overseas - note fee is in USD", "additionalInfoUri": null, "additionalValue": null, "amount": "175.00", "balanceRate": null, "currency": "AUD", "discounts": [], "transactionRate": null }, { "feeType": "TRANSACTION", "name": "External Periodic Payment by Cheque/Bulk Payee/Periodic Payment/Branch External Transfer to another Financial Institution", "accrualFrequency": null, "accruedRate": null, "additionalInfo": "Applies when sending money to another financial institution", "additionalInfoUri": null, "additionalValue": null, "amount": "2.75", "balanceRate": null, "currency": "AUD", "discounts": [], "transactionRate": null }, { "feeType": "EVENT", "name": "Voucher Search - per item", "accrualFrequency": null, "accruedRate": null, "additionalInfo": "This fee applies when requesting a search for a voucher", "additionalInfoUri": null, "additionalValue": null, "amount": "50.00", "balanceRate": null, "currency": "AUD", "discounts": [], "transactionRate": null }, { "feeType": "PERIODIC", "name": "Banklink - Annual Fee", "accrualFrequency": null, "accruedRate": null, "additionalInfo": "Annual fee for Banklink service", "additionalInfoUri": null, "additionalValue": "P1Y", "amount": "25.00", "balanceRate": null, "currency": "AUD", "discounts": [], "transactionRate": null }, { "feeType": "EVENT", "name": "IPEX (Transfer to another Financial Institution", "accrualFrequency": null, "accruedRate": null, "additionalInfo": "Swift transfer to another financial institution", "additionalInfoUri": null, "additionalValue": null, "amount": "30.00", "balanceRate": null, "currency": "AUD", "discounts": [], "transactionRate": null }, { "feeType": "EVENT", "name": "Dormancy Fee (after 2 years of inactivity)", "accrualFrequency": null, "accruedRate": null, "additionalInfo": "An annual fee after two years of account inactivity", "additionalInfoUri": null, "additionalValue": null, "amount": "25.00", "balanceRate": null, "currency": "AUD", "discounts": [], "transactionRate": null }, { "feeType": "EVENT", "name": "Replacement of Lost VISA Debit Card", "accrualFrequency": null, "accruedRate": null, "additionalInfo": "Applies when replacing a lost VISA Debit Card", "additionalInfoUri": null, "additionalValue": null, "amount": "10.00", "balanceRate": null, "currency": "AUD", "discounts": [], "transactionRate": null }, { "feeType": "VARIABLE", "name": "Cash Withdrawal Fee (per $2,000 or part thereof)", "accrualFrequency": null, "accruedRate": null, "additionalInfo": "This fee applies per $2,000 or poart thereof cash withdrawal", "additionalInfoUri": null, "additionalValue": null, "amount": "2.00", "balanceRate": null, "currency": "AUD", "discounts": [], "transactionRate": null }, { "feeType": "EVENT", "name": "Direct Debit Dishonour Fee", "accrualFrequency": null, "accruedRate": null, "additionalInfo": "Where a direct debit request is rejected by us due to insufficient funds in your account a Dishonour Fee will apply", "additionalInfoUri": null, "additionalValue": null, "amount": "17.50", "balanceRate": null, "currency": "AUD", "discounts": [], "transactionRate": null }, { "feeType": "PERIODIC", "name": "Monthly VISA Debit Card Fee", "accrualFrequency": null, "accruedRate": null, "additionalInfo": "Monthly Fee", "additionalInfoUri": null, "additionalValue": null, "amount": "2.00", "balanceRate": null, "currency": "AUD", "discounts": [], "transactionRate": null }, { "feeType": "EVENT", "name": "Stop Payment on Member's Cheque which is subsequently dishonoured", "accrualFrequency": null, "accruedRate": null, "additionalInfo": "A fee payable when a cheque is dishonoured after being stopped", "additionalInfoUri": null, "additionalValue": null, "amount": "17.50", "balanceRate": null, "currency": "AUD", "discounts": [], "transactionRate": null }, { "feeType": "EVENT", "name": "Duplicate Deposit Book", "accrualFrequency": null, "accruedRate": null, "additionalInfo": "This fee applies when requesting a duplicate deposit book", "additionalInfoUri": null, "additionalValue": null, "amount": "17.50", "balanceRate": null, "currency": "AUD", "discounts": [], "transactionRate": null } ], "lendingRates": [] } }