id,product_id,bank_id,fee_type,label,amount,currency,frequency,tier,channel,note,source_page,valid_from,access_tier
ca_nextbank:first:monthly,ca_nextbank:pack_ca_first,ca_nextbank,account_mgmt,CA First pack monthly fee,15.0,CHF,monthly,,,Includes all Extra features + free SWIFT + free foreign payments FR/DE/IT/AT + overdraft CHF 1-2k.,2,2026-06-01,free
ca_nextbank:overdraft:unauthorized,ca_nextbank:pack_ca_first,ca_nextbank,penalty_fee,Debit interest unauthorized overdraft,11.5,percent,per_annum_pct,,,Variable rate. Higher penalty for unauthorized.,4,2026-06-01,free
ca_nextbank:overdraft:authorized,ca_nextbank:pack_ca_first,ca_nextbank,penalty_fee,Debit interest authorized overdraft (CA First only),8.0,percent,per_annum_pct,,,Variable rate. CA First: CHF 1k (individual) / CHF 2k (joint) limit. Quarterly debit.,4,2026-06-01,free