{
  "source": "https://public.cdr-api.fscu.com.au/cds-au/v1/banking/products/2",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "productId": "2",
    "effectiveFrom": "2000-02-04T13:30:00.0000000Z",
    "lastUpdated": "2026-03-19T04:00:33.2590705Z",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "S21 Business Account",
    "description": "The right business account can make it easier for you to do business",
    "brand": "Fire Service Credit Union",
    "applicationUri": "https://www.fscu.com.au/accounts/transaction-accounts/",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.fscu.com.au/accounts/transaction-accounts/",
      "termsUri": "https://www.fscu.com.au/accounts/transaction-accounts/",
      "eligibilityUri": "https://www.fscu.com.au/why-us/membership/",
      "feesAndPricingUri": "https://www.fscu.com.au/rates/"
    },
    "features": [
      {
        "featureType": "BILL_PAYMENT",
        "additionalInfo": "Pay your bills from the comfort of your home with BPAY.",
        "additionalInfoUri": "https://www.fscu.com.au/guides/bpay/"
      },
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "Visa Debit Card",
        "additionalInfo": "A Visa Debit Card gives you access to your money in branch, at an ATM, in stores and online.",
        "additionalInfoUri": "https://www.fscu.com.au/cards/visa-debit-card/"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Do your banking online anytime, anywhere using our Internet Banking or Mobile Banking App!",
        "additionalInfoUri": "https://www.fscu.com.au/online-banking/"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Mobile Wallet",
        "additionalInfo": "Load your FSCU Visa Debit card to your mobile device to make fast and easy transactions",
        "additionalInfoUri": "https://www.fscu.com.au/cards/digital-wallet/"
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalInfo": "New Payment Platform (NPP)  Transact instantly with real-time payments.",
        "additionalInfoUri": "https://www.fscu.com.au/accounts/account-services/real-time-payments/"
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": "PayID - and easily remembered identifier such as email, mobile or ABN linked to your accout at FSCU.",
        "additionalInfoUri": "https://www.fscu.com.au/accounts/account-services/real-time-payments/"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Live data feeds available with MYOB & XERO",
        "additionalInfoUri": "https://www.fscu.com.au/accounts/business-account/"
      },
      {
        "featureType": "OVERDRAFT",
        "additionalInfo": "Apply for up to $10,000",
        "additionalInfoUri": "https://www.fscu.com.au/accounts/business-account/"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "BUSINESS",
        "additionalInfo": "Available for all members"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "To have a business account with FSCU you must first be a member.\r\nTo join FSCU, you must either be employed by Emergency Services or have a family member employed in Emergency Services.",
        "additionalInfoUri": "https://www.fscu.com.au/why-us/membership/"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Australian Residents only"
      }
    ],
    "fees": [
      {
        "name": "Document Search Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable when we have to search for documents or information in storage."
      },
      {
        "name": "Visa Debit Card Replacement Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfo": "We replace a lost or damaged Visa Debit card"
      },
      {
        "name": "Visa Chargeback",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "currency": "AUD",
        "additionalInfo": "We charge back a merchant for a Visa Transaction, on your behalf.\r\nA Visa Chargeback is represented and, at your request, the associated dispute is escalated for Visa Arbitration and/or compliace review."
      },
      {
        "name": "Branch Cash Withdrawals 1st Tier",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "3.00"
        },
        "currency": "AUD",
        "additionalInfo": "$2,000 - $14,999"
      },
      {
        "name": "Branch Cash Withdrawals 2nd Tier",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfo": "$15,000 and over"
      },
      {
        "name": "Corporate Cheque Withdrawal Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD",
        "additionalInfo": "Corporate Cheque withdrawal, per cheque"
      },
      {
        "name": "Periodical Payment Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD",
        "additionalInfo": "There are insufficient funds in your account, on four successive days, to make a requested payment.\r\nThere are insufficient funds for any future dated BPAY payments."
      },
      {
        "name": "Corporate Cheque Stop Payment Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Transaction Fees",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.50"
        },
        "currency": "AUD",
        "additionalInfo": "First 10 transaction per calendar month are free.\r\nFor each transaction in excess of 10 per calendar month .50c each"
      },
      {
        "name": "Direct Debit Dishonour Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable whenever we dishonour a direct debit on your account due to insufficient funds."
      },
      {
        "name": "Direct Debit Honour Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable when  we honour a direct debit on your account despite insufficient funds"
      },
      {
        "name": "Replacement PIN Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "3.00"
        },
        "currency": "AUD",
        "additionalInfo": "We reorder and post a PIN to replace a forgotten PIN."
      },
      {
        "name": "Large Cash Deposits",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable whenever cash over $10,000 is deposited over the counter"
      },
      {
        "name": "Coin Deposits",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalInfo": "For coin deposits over $50.00 - 5% of deposit amount"
      },
      {
        "name": "Dormant Account Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable whenever there has been no transaction other than interest on your membership for a period of 12 months"
      },
      {
        "name": "Manual 'Other Bank' Deposits",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable whenever a deposit is processed manually through another Financial Institution"
      },
      {
        "name": "Payment Corrections",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable per manual DE Trace, BPAY enquiry, BPAY error correction or Mistaken Internet Payment"
      },
      {
        "name": "Overdrawn Account fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable whenever we send you a notice because your savings account is overdrawn with no pre-approved limit or your overdraft is over the approved limit"
      },
      {
        "name": "Real Time Gross Settlement Inward Payment",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Real Time Gross Settlement Outward Payment",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Replacement Statement Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable when you request a copy of a statement that has already been issued"
      },
      {
        "name": "Visa Debit Card",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable after the initial 2 Visa Debit Cards"
      },
      {
        "name": "Staff Assisted External Transfer",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.00"
        },
        "currency": "AUD",
        "additionalInfo": "Staff assisted transfers, per transaction"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0005",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1Y"
      }
    ]
  }
}