<!DOCTYPE html>
<?php $pageTitle = "Bill Payments"; include 'includes/public-header.php'; ?>

<main id="main-content">
<section class="db-page-hero" aria-labelledby="hero-title"><div class="db-container"><h1 class="db-page-hero-title" id="hero-title">Bill Payments</h1><p class="db-page-hero-subtitle">Pay your utility bills, subscriptions, and recurring expenses from one secure dashboard. Schedule payments, manage payees, and never miss a due date.</p></div></section>

<section class="db-section"><div class="db-container">
  <div class="db-content animate"><h2>One Dashboard, Every Bill</h2><p>Managing bills across multiple service providers can be time-consuming and stressful. <?= getSetting("site_name", "Deutsche Bank Holdings Delaware") ?> consolidates all your bill payments into a single, intuitive dashboard. Pay electricity, water, internet, phone, insurance, subscription services, and more — all from your online banking account. Every transaction is PIN-protected and logged with a confirmation reference for your records.</p></div>
  <div class="db-grid db-grid-3 db-mt-8">
    <div class="db-service-card animate animate-delay-1"><div class="db-card-icon"><i class="fas fa-bolt"></i></div><h3 class="db-card-title">Utility Bills</h3><p class="db-card-text">Pay electricity, water, gas, internet, and phone bills directly from your dashboard. Add your utility providers as payees and manage everything in one place.</p></div>
    <div class="db-service-card animate animate-delay-2"><div class="db-card-icon"><i class="fas fa-redo-alt"></i></div><h3 class="db-card-title">Subscriptions</h3><p class="db-card-text">Manage streaming services, software subscriptions, gym memberships, and insurance premiums. Set up recurring payments so you never miss a billing cycle.</p></div>
    <div class="db-service-card animate animate-delay-3"><div class="db-card-icon"><i class="fas fa-calendar-check"></i></div><h3 class="db-card-title">Scheduled Payments</h3><p class="db-card-text">Schedule one-time or recurring payments in advance. Choose the date, frequency, and amount, and we handle the rest while alerting you before each deduction.</p></div>
  </div>
</div></section>

<section class="db-section db-section-bg"><div class="db-container">
  <div class="db-section-header animate"><span class="db-section-label">Getting Started</span><h2 class="db-section-title">How to Pay Bills</h2></div>
  <div class="db-steps animate animate-delay-1">
    <div class="db-step"><h4>Add a Payee</h4><p>Search for your biller by name or category in our extensive payee directory. Enter the account or reference number from your bill, and the payee is saved securely to your account.</p></div>
    <div class="db-step"><h4>Enter Payment Details</h4><p>Specify the amount, choose the account to debit, and add any payment reference or memo. You can make a one-time payment or set it as a recurring schedule.</p></div>
    <div class="db-step"><h4>Confirm with PIN</h4><p>Review the payment details and authorize the transaction with your 4-digit transfer PIN. A confirmation screen displays your payment reference number for tracking.</p></div>
    <div class="db-step"><h4>Track Your Payment</h4><p>Monitor the payment status in your transaction history — from "Scheduled" to "Processing" to "Completed." Receive email or SMS notifications when the payment clears.</p></div>
  </div>
</div></section>

<section class="db-section"><div class="db-container">
  <div class="db-section-header animate"><span class="db-section-label">Features</span><h2 class="db-section-title">Payment Methods & Tools</h2></div>
  <div class="db-grid db-grid-2 db-mt-8">
    <div class="db-feature animate animate-delay-1"><div class="db-feature-content"><div class="db-feature-icon"><i class="fas fa-user-plus"></i></div><h3 class="db-feature-title">Adding & Managing Payees</h3><p class="db-feature-description">Add new payees by searching our directory of thousands of billers — utilities, telecom providers, insurance companies, government agencies, and more. Each payee is saved to your secure address book for future use. Edit, delete, or temporarily disable payees at any time from your dashboard.</p><ul class="db-feature-list"><li><i class="fas fa-check-circle"></i> Search by name, category, or account number</li><li><i class="fas fa-check-circle"></i> Save unlimited payees to your address book</li><li><i class="fas fa-check-circle"></i> Edit or remove payees anytime</li></ul></div></div>
    <div class="db-feature animate animate-delay-2"><div class="db-feature-content"><div class="db-feature-icon"><i class="fas fa-history"></i></div><h3 class="db-feature-title">History & Tracking</h3><p class="db-feature-description">Every bill payment is recorded in your transaction history with complete details: date, amount, payee name, reference number, and status. Filter by date range, payee, or status to find specific payments. Export your payment history as a PDF or CSV for budgeting, tax preparation, or expense reports.</p><ul class="db-feature-list"><li><i class="fas fa-check-circle"></i> Full transaction history with search and filters</li><li><i class="fas fa-check-circle"></i> Export to PDF or CSV</li><li><i class="fas fa-check-circle"></i> Real-time status updates</li></ul></div></div>
  </div>
</div></section>

<section class="db-section db-section-bg"><div class="db-container">
  <div class="db-section-header animate"><span class="db-section-label">Automation</span><h2 class="db-section-title">Recurring & Scheduled Payments</h2><p class="db-section-subtitle">Set it and forget it. Automate your regular bills so you never have to think about due dates again.</p></div>
  <div class="db-grid db-grid-3 db-mt-8">
    <div class="db-service-card animate animate-delay-1"><div class="db-card-icon"><i class="fas fa-sync-alt"></i></div><h3 class="db-card-title">Recurring Payments</h3><p class="db-card-text">Set bills to pay automatically on a weekly, monthly, quarterly, or annual schedule. Choose the start date, frequency, and end date — or leave it open-ended for ongoing bills.</p></div>
    <div class="db-service-card animate animate-delay-2"><div class="db-card-icon"><i class="fas fa-calendar-alt"></i></div><h3 class="db-card-title">Future-Dated Payments</h3><p class="db-card-text">Schedule a one-time payment for a future date. Ideal for bills you know are coming but want to set up in advance, such as annual insurance premiums or tax payments.</p></div>
    <div class="db-service-card animate animate-delay-3"><div class="db-card-icon"><i class="fas fa-bell"></i></div><h3 class="db-card-title">Payment Reminders</h3><p class="db-card-text">Enable email or SMS reminders for upcoming scheduled payments. You will receive a notification 48 hours and 24 hours before each scheduled deduction, giving you time to adjust if needed.</p></div>
  </div>
</div></section>

<section class="db-section"><div class="db-container">
  <div class="db-section-header animate"><span class="db-section-label">FAQ</span><h2 class="db-section-title">Frequently Asked Questions</h2></div>
  <div class="db-faq animate animate-delay-1">
    <div class="db-faq-item"><button class="db-faq-question">How do I add a new payee? <span class="db-faq-icon"><i class="fas fa-plus"></i></span></button><div class="db-faq-answer"><div class="db-faq-answer-inner"><p>Log in to your dashboard, navigate to Bill Payments, and click "Add Payee." Search for your biller by name — our directory includes thousands of utility companies, telecom providers, government agencies, and more. Enter the account or reference number from your bill, verify the details, and the payee is saved to your account.</p></div></div></div>
    <div class="db-faq-item"><button class="db-faq-question">Is there a fee for bill payments? <span class="db-faq-icon"><i class="fas fa-plus"></i></span></button><div class="db-faq-answer"><div class="db-faq-answer-inner"><p>Bill payments through <?= getSetting("site_name", "Deutsche Bank Holdings Delaware") ?> are free. There are no charges for adding payees, making one-time payments, or setting up recurring schedules.</p></div></div></div>
    <div class="db-faq-item"><button class="db-faq-question">How long does it take for a bill payment to reach the payee? <span class="db-faq-icon"><i class="fas fa-plus"></i></span></button><div class="db-faq-answer"><div class="db-faq-answer-inner"><p>Most bill payments are processed within 1–2 business days. Electronic payments to major billers typically clear within 24 hours, while payments sent by check may take 5–7 business days. The estimated delivery date is displayed when you schedule the payment.</p></div></div></div>
    <div class="db-faq-item"><button class="db-faq-question">Can I modify or cancel a scheduled payment? <span class="db-faq-icon"><i class="fas fa-plus"></i></span></button><div class="db-faq-answer"><div class="db-faq-answer-inner"><p>Yes. Scheduled payments can be modified or cancelled up until the processing date. Go to Bill Payments > Scheduled Payments, select the payment you wish to change, and choose Edit or Cancel. Once a payment shows "Processing," it cannot be cancelled — contact customer support for further assistance.</p></div></div></div>
    <div class="db-faq-item"><button class="db-faq-question">What if a payee is not found in the directory? <span class="db-faq-icon"><i class="fas fa-plus"></i></span></button><div class="db-faq-answer"><div class="db-faq-answer-inner"><p>If your biller is not listed in our directory, you can add a custom payee by entering their name, address, and account details manually. Custom payees are reviewed within 24 hours and, once approved, appear in your payee list for future payments.</p></div></div></div>
  </div>
</div></section>

<section class="db-section db-cta" aria-labelledby="cta-title"><div class="db-container"><div class="db-cta-inner animate"><h2 class="db-cta-title" id="cta-title">Simplify Your Bill Payments</h2><p class="db-cta-description">Open an account today and manage all your bills from one secure, convenient dashboard.</p><div class="db-cta-actions"><a href="account/register.html" class="db-btn db-btn-light db-btn-lg">Open an Account</a><a href="contact.html" class="db-btn db-btn-outline-white db-btn-lg">Contact Us</a></div></div></div></section>
</main>

<footer class="db-footer" role="contentinfo"><div class="db-container"><div class="db-footer-grid"><div class="db-footer-brand"><img src="logo.png" alt="<?= getSetting("site_name", "Deutsche Bank Holdings Delaware") ?>" width="160" height="40"><p><?= getSetting("site_name", "Deutsche Bank Holdings Delaware") ?> provides secure personal banking, business banking, digital banking, transfers, cards, and wealth management to clients worldwide.</p></div><div class="db-footer-col"><h4>Personal</h4><ul class="db-footer-links"><li><a href="accounts.html">Accounts</a></li><li><a href="transfers.html">Transfers</a></li><li><a href="cards.html">Cards</a></li><li><a href="digital-banking.html">Digital Banking</a></li><li><a href="open-account.html">Open an Account</a></li></ul></div><div class="db-footer-col"><h4>Business</h4><ul class="db-footer-links"><li><a href="business-banking.html">Business Overview</a></li><li><a href="business-account.html">Business Accounts</a></li><li><a href="corporate-bank.html">Corporate Banking</a></li></ul></div><div class="db-footer-col"><h4>Security & Help</h4><ul class="db-footer-links"><li><a href="security-centre.html">Security Centre</a></li><li><a href="report-fraud.html">Report Fraud</a></li><li><a href="help-centre.html">Help Centre</a></li><li><a href="faq.html">FAQs</a></li><li><a href="customer-support.html">Customer Support</a></li></ul></div><div class="db-footer-col"><h4>Company</h4><ul class="db-footer-links"><li><a href="about-us.html">About Us</a></li><li><a href="careers.html">Careers</a></li><li><a href="investor-relations.html">Investor Relations</a></li><li><a href="contact.html">Contact Us</a></li><li><a href="account/login.html">Log In</a></li><li><a href="account/register.html">Register</a></li></ul></div></div><div class="db-footer-bottom"><div class="db-footer-copyright">&copy; <span class="footer-year">2024</span> <?= getSetting("site_name", "Deutsche Bank Holdings Delaware") ?>. All rights reserved.</div><div class="db-footer-legal"><a href="privacy-policy.html">Privacy Policy</a><a href="terms.html">Terms of Use</a><a href="cookie-policy.html">Cookie Policy</a><a href="accessibility.html">Accessibility</a><a href="sitemap.html">Sitemap</a></div></div></div></footer>
<script src="plugin/jquery.min.js"></script><script src="plugin/bootstrap/js/bootstrap.bundle.min.js"></script><script src="assets/js/landing.js"></script>
<script>document.querySelector('.footer-year').textContent=new Date().getFullYear();</script>
<?php include 'includes/public-footer.php'; ?>
