People First Bank
People First Bank is an Australian customer-owned mutual bank, trading name of Heritage and People's Choice Ltd (ABN 11 087 651 125), formed from the 2023 merger of Heritage Bank and People's Choice Credit Union and carrying more than 150 years of combined mutual heritage. As a B Corp certified, member-owned authorised deposit-taking institution (ADI), it offers everyday transaction and savings accounts, home, personal and car loans, and insurance across digital channels and a national branch network. Under Australia's Consumer Data Right (CDR / open banking), the bank exposes a public, unauthenticated Product Reference Data (PRD) API conforming to the Data Standards Body Consumer Data Standards; consumer data sharing beyond PRD runs through the accredited data recipient model secured with OAuth2/OIDC (FAPI) rather than a general-purpose public developer platform.
Limited machine-readable signal and partial portal coverage — documentation a human can read, but little a machine or agent can consume without scraping.
API Evangelist profiles People First Bank the way a machine reads it — 11 machine-readable artifacts across 7 APIs, pulled from the provider's own public surface and indexed so a developer, an analyst, or an AI agent can evaluate it against every other provider on the network.
Every provider in the network is reduced to the same set of machine-readable artifacts — OpenAPI contracts, event specifications, GraphQL schemas, runnable collections, pricing and rate-limit signals, security posture, OAuth scopes, and the agent surfaces (MCP servers and skills) that let software drive the API on its own. We profile them because the interface is the part of a company you can actually inspect: it is a truer signal of what a provider does than any marketing page. From those artifacts we compute the Kin Score — People First Bank scores 43.2/100 (thin), with a separate agent-readiness read of 65/100 (agent native). The full breakdown is below, followed by every artifact we hold — each card links through to its machine-readable definition on apis.io.
Kin Score
This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance.
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
How we profile People First Bank
Each block below is one kind of artifact we hold for People First Bank. For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.
APIs 7
Each API is captured as its own OpenAPI definition — every operation, parameter, and response. This is the single most useful machine-readable description of what an API does, and it's what lets us score, lint, mock, and generate against it without asking the provider for anything.
Individual APIs this provider publishes, each with its own machine-readable definition.
People First Bank Banking Account Balances API
Banking Account Balance endpoints
People First Bank Banking Account Direct Debits API
Banking Account Direct Debit endpoints
People First Bank Banking Account Scheduled Payments API
Banking Account Scheduled Payment endpoints
People First Bank Banking Account Transactions API
Banking Account Transaction endpoints
People First Bank Banking Accounts API
Banking Account endpoints
People First Bank Banking Payees API
Banking Payee endpoints
People First Bank Banking Products API
Banking Product endpoints
Scroll within the panel for all 7 ·
MCP Servers 1
Model Context Protocol servers expose these APIs directly to AI agents. We profile them because agent-native access is the fastest-growing way this provider's capabilities actually get used.
Model Context Protocol servers that expose these APIs to AI agents.
people-first-bank-mcp.yml
MCP SERVERSecurity Posture 2
Authentication, domain security, vulnerability disclosure, and trust-center signals — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see.
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Agentic Access 1
An x-agentic-access contract marks which operations are safe for an agent to run on its own and which need a human in the loop. It is the difference between an API an agent can use and one it can use safely.
Recommended x-agentic-access execution contracts for AI agents.
Resources
Every other property we hold for People First Bank — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production.
Get Started 2
Portal, sign-up, and the first successful call
Documentation 2
Reference material describing how the API behaves
Agent Surfaces 4
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 5
Pagination, idempotency, versioning, errors, and events
Access & Security 2
Authentication, authorization, and security posture
Operate 1
Status, limits, changes, and where to get help
Commercial 2
Pricing, plans, and the legal terms of use
Company 3
The organization behind the API
Other 1
Properties that don't map to a standard resource type
← All providers · Data indexed from github.com/api-evangelist/people-first-bank · machine-readable index on apis.io