{
  "source": "https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products/3bf99dc9-cc11-4f47-97d4-2e7c787138ff",
  "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": "3bf99dc9-cc11-4f47-97d4-2e7c787138ff",
    "lastUpdated": "2026-07-11T03:37:35.000+10:00",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Everyday Direct account",
    "description": "Your everyday transaction account with VISA Debit access.",
    "brand": "TMB",
    "brandName": "Teachers Mutual Bank",
    "applicationUri": "https://www.tmbank.com.au/banking/everyday-direct",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.tmbank.com.au/banking/everyday-direct",
      "termsUri": "https://www.tmbank.com.au/content/dam/documents/collateral/conditions-of-use.pdf",
      "eligibilityUri": "https://www.tmbank.com.au/banking/everyday-direct",
      "feesAndPricingUri": "https://www.tmbank.com.au/content/dam/documents/collateral/fees-and-charges.pdf"
    },
    "cardArt": [
      {
        "cardScheme": "VISA",
        "cardType": "DEBIT",
        "title": "Visa Debit",
        "imageUri": "https://www.tmbank.com.au/-/media/global/accounts/account-feature-cards/tmb/feature-mobilewallet.ashx"
      }
    ],
    "features": [
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "Visa Debit with payWave"
      },
      {
        "featureType": "ADDITIONAL_CARDS"
      },
      {
        "featureType": "UNLIMITED_TXNS"
      },
      {
        "featureType": "OVERDRAFT",
        "additionalInfo": "You can apply to have an overdraft (RediCredit) linked to the Everyday Direct account. All applications for credit are subject to responsible lending criteria and fees and charges apply. For full details visit our website.",
        "additionalInfoUri": "https://www.tmbank.com.au/banking/everyday-direct"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Apple Pay",
        "additionalInfoUri": "https://www.tmbank.com.au/ways-to-bank/mobile-wallet"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Google Pay",
        "additionalInfoUri": "https://www.tmbank.com.au/ways-to-bank/mobile-wallet"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Samsung Pay",
        "additionalInfoUri": "https://www.tmbank.com.au/ways-to-bank/mobile-wallet"
      },
      {
        "featureType": "DIGITAL_BANKING"
      },
      {
        "featureType": "NPP_PAYID"
      },
      {
        "featureType": "NPP_ENABLED"
      },
      {
        "featureType": "BILL_PAYMENT",
        "additionalValue": "BPAY"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "Track payments with SMS and email alerts"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Our sweep service automatically transfers funds from certain savings accounts to cover most transactions which would otherwise exceed your transaction account's available balance."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Make deposits and withdrawals through a Bank@Post facility at Australia Post outlets. For full details refer to our Conditions of Use. Fees and charges apply.",
        "additionalInfoUri": "https://www.tmbank.com.au/content/dam/documents/collateral/conditions-of-use.pdf"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.",
        "additionalInfoUri": "https://www.tmbank.com.au/banking/everyday-direct"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Individuals must be citizens or permanent residents of Australia."
      }
    ],
    "fees": [
      {
        "name": "CASH_ADVANCES_FEE",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "4.00"
        },
        "currency": "AUD",
        "additionalInfo": "Visa Debit and Visa Credit card cash advances at other financial institutions in Australia and overseas. Individual bank branches may not offer this service and may charge additional fees (at cost)."
      },
      {
        "name": "INTERNATIONAL_CONVERSION_FEE",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.029"
        },
        "currency": "AUD",
        "additionalInfo": "2.90% of transaction value in $AUD collected by Cuscal Limited - 0.90% paid to Us; 1.00% retained by Cuscal; 1.00% paid to Visa International. Payable when you transact in a foreign currency using your Visa card either online or at a merchant point of sale (irrespective of where the transaction occurs; performed not in Australian Dollar; or overseas merchants transact in a foreign currency.)"
      },
      {
        "name": "ATM_WITHDRAWALS_OVERSEAS",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "4.50"
        },
        "currency": "AUD"
      },
      {
        "name": "TELE_TRANSFER",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "13.00"
        },
        "currency": "AUD",
        "additionalInfo": "Tele transfer within Australia to an account at another financial institution."
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Everyday Direct account_Tier_1",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "9999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Everyday Direct account_Tier_2",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "10000.00",
            "maximumValue": "19999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Everyday Direct account_Tier_3",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "maximumValue": "49999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Everyday Direct account_Tier_4",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "50000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.1264",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER",
        "additionalInfo": "The overdraft (RediCredit) interest rate that applies to any overdrawn amounts."
      }
    ]
  }
}