{
  "source": "https://public.cdr.familyfirst.com.au/cds-au/v1/banking/products/de46a77d-d741-4457-9efa-44f66c4a8a47",
  "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": "This account is designed for members who want to maximise their relationship with Family First and get the most from their bank account. This account offers a tiered higher rate of interest than ordinary saving accounts with all the access facilities of an every day account.",
    "isTailored": false,
    "lastUpdated": "2026-03-31T02:51:17.556196Z",
    "name": "Cash Management Account",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "de46a77d-d741-4457-9efa-44f66c4a8a47",
    "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-Cash-Management-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": [],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.02",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "applicationFrequency": "P3M",
        "calculationFrequency": "P1D",
        "tiers": [
          {
            "minimumValue": 25000,
            "name": "S6 CASH MANAGEMENT ACCOUNT_Tier_2",
            "unitOfMeasure": "DOLLAR",
            "additionalInfo": null,
            "additionalInfoUri": null,
            "applicabilityConditions": null,
            "maximumValue": null,
            "rateApplicationMethod": "PER_TIER"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.01",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "applicationFrequency": "P3M",
        "calculationFrequency": "P1D",
        "tiers": [
          {
            "minimumValue": 0,
            "name": "S6 CASH MANAGEMENT ACCOUNT_Tier_1",
            "unitOfMeasure": "DOLLAR",
            "additionalInfo": null,
            "additionalInfoUri": null,
            "applicabilityConditions": null,
            "maximumValue": 24999.99,
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalInfo": "",
        "additionalInfoUri": null,
        "additionalValue": "Member must be an Australian resident"
      }
    ],
    "features": [
      {
        "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": "CARD_ACCESS",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "Visa Card"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Account participates in the relationship balance fee rebate scheme",
        "additionalInfoUri": null,
        "additionalValue": null
      }
    ],
    "fees": [
      {
        "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": "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": "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": "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": "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": "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": "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": "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": "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": "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": "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": "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": "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": "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": "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": "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": "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": "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": "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": "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": "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": "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": "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": "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": "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": "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": "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": "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": "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": "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": "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": "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": "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": "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": "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": "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": "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": "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": "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": "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": "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": "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
      },
      {
        "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": "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": "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
      }
    ],
    "lendingRates": []
  }
}