{
  "source": "https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/10",
  "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": "10",
    "effectiveFrom": "2005-06-30T14:30:00.0000000Z",
    "lastUpdated": "2026-06-27T16:00:40.3243706Z",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Community First",
    "description": "An easy to use transaction account with no monthly fee for those operating a not for profit organisation or charity.",
    "brand": "Summerland",
    "applicationUri": "https://summerland.com.au/open-an-account/",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://summerland.com.au/my-business-banking/business-bank-accounts/community-first-account/",
      "termsUri": "https://www.summerland.com.au/account-access-facility-conditions-of-use",
      "eligibilityUri": "https://www.summerland.com.au/summary-of-accounts-and-access-facilities",
      "feesAndPricingUri": "https://www.summerland.com.au/fees-charges-transaction-limits"
    },
    "features": [
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Open accounts, check balances, view transactions, transfer funds, schedule payments, BPAY, eStatements, SMS alerts, activate cards, change card PIN, mark card lost or stolen, loan redraw, loan status update, accept loan contracts and send secure messages.\r\n",
        "additionalInfoUri": "https://www.summerland.com.au"
      },
      {
        "featureType": "FREE_TXNS",
        "additionalValue": "20",
        "additionalInfo": "20 FREE per month across the combined total of Business and Community electronic transactions and Business and Community staff assisted transactions.",
        "additionalInfoUri": "https://www.summerland.com.au/fees-charges-transaction-limits"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "Event based notifications.",
        "additionalInfoUri": "https://www.summerland.com.au"
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalInfoUri": "https://www.summerland.com.au"
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": "Set up a pay ID to receive lightning fast payments.\r\n",
        "additionalInfoUri": "https://www.summerland.com.au"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Save on paper, receive and view your statements online with eStatements.",
        "additionalInfoUri": "https://summerland.com.au/services/digital-and-payments/internet-banking/"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Simplify your bookkeeping with direct transaction feeds.",
        "additionalInfoUri": "https://www.summerland.com.au/my-business-banking/business-bank-accounts"
      },
      {
        "featureType": "UNLIMITED_TXNS",
        "additionalInfo": "Customers receive unlimited  internal funds transfer, external funds transfer & BPAY transactions via internet banking or the banking app.",
        "additionalInfoUri": "https://www.summerland.com.au/fees-charges-transaction-limits"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Only a not for profit organisation or charity can apply for this product."
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "A Permanent Australian Resident including those working overseas. Entities must be a Permanent Resident of Australia,"
      }
    ],
    "fees": [
      {
        "name": "QuickDebit Dishonour Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.summerland.com.au/fees-charges-transaction-limits"
      },
      {
        "name": "Honour Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.summerland.com.au/fees-charges-transaction-limits"
      },
      {
        "name": "Dishonour Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.summerland.com.au/fees-charges-transaction-limits"
      },
      {
        "name": "Staff assisted transaction",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.00"
        },
        "currency": "AUD",
        "additionalInfo": "Business and Community staff assisted transactions include in-branch deposit, branch withdrawal, business express deposit, cheque withdrawal, cheque encashment, one-off internal funds transfer, one-off external funds transfer, one-off BPAY, Bank@Post deposit & Bank@Post withdrawal. 5 FREE per month Business and Community staff assisted transactions.",
        "additionalInfoUri": "https://www.summerland.com.au/fees-charges-transaction-limits"
      },
      {
        "name": "Cheques included in deposits",
        "feeType": "DEPOSIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.50"
        },
        "currency": "AUD",
        "additionalInfo": "20 FREE per month.",
        "additionalInfoUri": "https://www.summerland.com.au/fees-charges-transaction-limits"
      }
    ],
    "depositRates": []
  }
}