<!DOCTYPE html>
<?php $pageTitle = "Help Centre"; 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">Help Centre</h1><p class="db-page-hero-subtitle">Find answers, get support, and learn how to make the most of your <?= getSetting("site_name", "Deutsche Bank Holdings Delaware") ?> account.</p><img src="assets/images/support/customer-support-agent.jpg" alt="Customer support professional ready to assist" width="300" height="200" style="border-radius:var(--db-radius-xl);margin:var(--db-space-6) auto 0;display:block;opacity:0.8;"></div></section>

<!-- Search -->
<section class="db-section-sm"><div class="db-container"><div class="db-content animate"><div class="db-search" style="max-width:600px;margin:0 auto;"><i class="fas fa-search"></i><input type="search" id="help-search" placeholder="Search for help topics, guides, and FAQs..." aria-label="Search the help centre"></div></div></div></section>

<!-- Popular Help Topics -->
<section class="db-section db-section-bg"><div class="db-container"><div class="db-section-header animate"><span class="db-section-label">Popular Topics</span><h2 class="db-section-title">What Can We Help You With?</h2><p class="db-section-subtitle">Browse our most popular help topics or use the search bar above to find specific answers.</p></div>
<div class="db-grid db-grid-3 db-mt-8">
  <a href="accounts.html" class="db-service-card animate animate-delay-1"><div class="db-card-icon"><i class="fas fa-university"></i></div><h3 class="db-card-title">Accounts</h3><p class="db-card-text">Learn about current accounts, savings accounts, fixed deposits, and how to open or manage your accounts.</p><span class="db-card-link">View Account Help <i class="fas fa-arrow-right"></i></span></a>
  <a href="transfers.html" class="db-service-card animate animate-delay-2"><div class="db-card-icon"><i class="fas fa-exchange-alt"></i></div><h3 class="db-card-title">Transfers & Payments</h3><p class="db-card-text">Information on local and international transfers, bill payments, transfer limits, and processing times.</p><span class="db-card-link">View Transfer Help <i class="fas fa-arrow-right"></i></span></a>
  <a href="cards.html" class="db-service-card animate animate-delay-3"><div class="db-card-icon"><i class="fas fa-credit-card"></i></div><h3 class="db-card-title">Cards</h3><p class="db-card-text">Manage your debit and virtual cards, report lost or stolen cards, and understand card security features.</p><span class="db-card-link">View Card Help <i class="fas fa-arrow-right"></i></span></a>
  <a href="security-centre.html" class="db-service-card animate animate-delay-1"><div class="db-card-icon"><i class="fas fa-shield-alt"></i></div><h3 class="db-card-title">Security</h3><p class="db-card-text">Multi-factor authentication, PIN management, fraud protection, and how we keep your money and data safe.</p><span class="db-card-link">View Security Help <i class="fas fa-arrow-right"></i></span></a>
  <a href="digital-banking.html" class="db-service-card animate animate-delay-2"><div class="db-card-icon"><i class="fas fa-mobile-alt"></i></div><h3 class="db-card-title">Digital Banking</h3><p class="db-card-text">Getting started with online and mobile banking, navigating your dashboard, and managing notifications.</p><span class="db-card-link">View Digital Banking Help <i class="fas fa-arrow-right"></i></span></a>
  <a href="getting-started.html" class="db-service-card animate animate-delay-3"><div class="db-card-icon"><i class="fas fa-rocket"></i></div><h3 class="db-card-title">Getting Started</h3><p class="db-card-text">Step-by-step guide for new customers covering account setup, first transfer, and security configuration.</p><span class="db-card-link">Get Started <i class="fas fa-arrow-right"></i></span></a>
</div></div></section>

<!-- Contact Support Channels -->
<section class="db-section"><div class="db-container"><div class="db-section-header animate"><span class="db-section-label">Contact Us</span><h2 class="db-section-title">How to Reach Our Support Team</h2><p class="db-section-subtitle">We are available through multiple channels to assist you with your banking needs.</p></div>
<div class="db-support-channels db-mt-8">
  <div class="db-support-channel animate animate-delay-1"><i class="fas fa-phone-alt"></i><h4>Phone Support</h4><p>Call our customer service team for immediate assistance with your account.</p><a href="customer-support.html" class="db-btn db-btn-outline db-btn-sm">View Numbers</a></div>
  <div class="db-support-channel animate animate-delay-2"><i class="fas fa-envelope"></i><h4>Email Support</h4><p>Send us a message and we will respond within one business day.</p><a href="customer-support.html" class="db-btn db-btn-outline db-btn-sm">Send Email</a></div>
  <div class="db-support-channel animate animate-delay-3"><i class="fas fa-comment-dots"></i><h4>Live Chat</h4><p>Chat with a support agent in real time from your online banking dashboard.</p><a href="account/login.html" class="db-btn db-btn-outline db-btn-sm">Log In to Chat</a></div>
</div></div></section>

<!-- FAQ Accordion -->
<section class="db-section db-section-bg"><div class="db-container"><div class="db-section-header animate"><span class="db-section-label">Frequently Asked Questions</span><h2 class="db-section-title">Quick Answers</h2><p class="db-section-subtitle">Find answers to the questions our customers ask most often.</p></div>
<div class="db-faq animate">
  <div class="db-faq-item"><button class="db-faq-question" aria-expanded="false">How do I open a personal bank account?<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>You can open a personal account online in minutes. Visit our <a href="account/register.html">registration page</a>, complete the KYC verification by providing a valid government-issued ID and proof of address, and select the account type that best fits your needs. Once verified, your account is activated immediately.</p></div></div></div>
  <div class="db-faq-item"><button class="db-faq-question" aria-expanded="false">How do I reset my online banking password?<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>On the login page, click "Forgot Password" and follow the instructions. You will need access to your registered email address or phone number to receive a password reset link. For security reasons, the link expires after 30 minutes. If you cannot access your registered contact details, please call our support team.</p></div></div></div>
  <div class="db-faq-item"><button class="db-faq-question" aria-expanded="false">How long do transfers take to process?<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>Local transfers within <?= getSetting("site_name", "Deutsche Bank Holdings Delaware") ?> are instant. Transfers to other banks domestically typically complete within 1 business day. International transfers may take 2 to 5 business days depending on the destination country, intermediary banks, and currency. You can track all transfer statuses from your dashboard.</p></div></div></div>
  <div class="db-faq-item"><button class="db-faq-question" aria-expanded="false">What should I do if my card is lost or stolen?<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>Immediately freeze your card from your online banking dashboard under the Cards section. Then contact our 24/7 emergency support line to report the loss and request a replacement card. You can also visit our <a href="report-fraud.html">Report Fraud</a> page for step-by-step instructions. A replacement card is typically issued within 3 to 5 business days.</p></div></div></div>
  <div class="db-faq-item"><button class="db-faq-question" aria-expanded="false">What fees are associated with my account?<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>Account fees vary by account type. Our current accounts have no monthly maintenance fees. International transfers carry a small processing fee based on the amount and destination. Full fee schedules are available on each account product page and in your online banking dashboard under Account Details. We recommend reviewing the <a href="account-comparison.html">Account Comparison</a> page for a side-by-side view.</p></div></div></div>
  <div class="db-faq-item"><button class="db-faq-question" aria-expanded="false">How do I update my personal information?<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 online banking dashboard and navigate to Settings. You can update your address, phone number, and email address there. Changes to legal name or identification documents require identity verification and may need to be processed by our support team. Contact customer support for assistance with these updates.</p></div></div></div>
  <div class="db-faq-item"><button class="db-faq-question" aria-expanded="false">Is my money protected with <?= getSetting("site_name", "Deutsche Bank Holdings Delaware") ?>?<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. All deposits are protected by deposit insurance up to the applicable statutory limit per depositor. We also employ multi-factor authentication, PIN-protected transactions, real-time fraud monitoring, and industry-standard encryption. Visit our <a href="security-centre.html">Security Centre</a> to learn about all the protections we have in place.</p></div></div></div>
</div></div></section>

<!-- CTA -->
<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">Still Need Help?</h2><p class="db-cta-description">Our support team is available 24/7 to assist with any questions or concerns about your account.</p><div class="db-cta-actions"><a href="customer-support.html" class="db-btn db-btn-light db-btn-lg">Contact Support</a><a href="faq.html" class="db-btn db-btn-outline-white db-btn-lg">Browse All FAQs</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>
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