{
  "source": "https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/59",
  "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": "59",
    "effectiveFrom": "2005-06-30T14:30:00.0000000Z",
    "lastUpdated": "2026-06-27T16:00:40.3243706Z",
    "productCategory": "OVERDRAFTS",
    "name": "Everyday Overdraft",
    "description": "Access extra cash when you need it through your everyday savings account.",
    "brand": "Summerland",
    "applicationUri": "https://application.summerland.com.au/nPortal__SelfRegistration?product=a0uOm000005EqqXIAS&core=es5",
    "isTailored": false,
    "additionalInformation": {
      "termsUri": "https://www.summerland.com.au/account-access-facility-conditions-of-use",
      "feesAndPricingUri": "https://www.summerland.com.au/loans-fees-charges"
    },
    "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://summerland.com.au"
      },
      {
        "featureType": "GUARANTOR"
      },
      {
        "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/"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "1000.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Lending criteria apply."
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "A Permanent Australian Resident including those working overseas."
      }
    ],
    "fees": [
      {
        "name": "Loan Establishment Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "175.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.summerland.com.au/loans-fees-charges"
      },
      {
        "name": "Overdraft Facility Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "8.00"
        },
        "currency": "AUD",
        "additionalValue": "P1M",
        "additionalInfoUri": "https://www.summerland.com.au/loans-fees-charges"
      }
    ],
    "lendingRates": []
  }
}