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<?php $pageTitle = "Open an Account"; include 'includes/public-header.php'; ?>

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<section class="db-page-hero" aria-labelledby="hero-title"><div class="db-container"><div class="db-breadcrumbs" style="justify-content:center;margin-bottom:var(--db-space-4);"><a href="index.html">Home</a><span class="separator">/</span><a href="personal-banking.html">Personal Banking</a><span class="separator">/</span><a href="accounts.html">Accounts</a><span class="separator">/</span><span class="current">Open an Account</span></div><h1 class="db-page-hero-title" id="hero-title">Open an Account</h1><p class="db-page-hero-subtitle">Start your banking journey with <?= getSetting("site_name", "Deutsche Bank Holdings Delaware") ?>. A simple, secure, and fully digital account opening experience.</p></div></section>

<section class="db-section"><div class="db-container"><div class="db-section-header animate"><span class="db-section-label">How It Works</span><h2 class="db-section-title">Four Simple Steps to Open Your Account</h2><p class="db-section-subtitle">Our streamlined process takes you from application to active account in just a few minutes.</p></div>
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<div class="db-step animate animate-delay-1"><h4>Choose Account Type</h4><p>Browse our account options and select the one that best fits your needs — checking, savings, current, fixed deposit, or business. Not sure? Use our comparison tool.</p></div>
<div class="db-step animate animate-delay-2"><h4>Complete Registration</h4><p>Fill out the secure online application form with your personal details, contact information, and account preferences. The form is designed to be completed in under 10 minutes.</p></div>
<div class="db-step animate animate-delay-3"><h4>Verify Identity (KYC)</h4><p>Upload your government-issued ID and proof of address. Our automated KYC system verifies most documents within minutes. Some verifications may take up to 24 hours.</p></div>
<div class="db-step animate animate-delay-4"><h4>Start Banking</h4><p>Once verified, your account is activated. Make your opening deposit, receive your debit card, and access online banking immediately. Welcome aboard.</p></div>
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<section class="db-section db-section-bg"><div class="db-container"><div class="db-section-header animate"><span class="db-section-label">Account Types</span><h2 class="db-section-title">Choose the Account That Fits You</h2><p class="db-section-subtitle">Select from our range of accounts. Each is designed for a specific financial purpose.</p></div>
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<div class="db-acct-card animate animate-delay-1"><div class="db-acct-card-header"><div class="db-card-icon"><i class="fas fa-wallet"></i></div><h3>Current Account</h3><p class="tagline">Everyday banking</p></div><ul class="db-acct-card-features"><li><i class="fas fa-check-circle"></i> Unlimited transactions</li><li><i class="fas fa-check-circle"></i> Free debit card</li><li><i class="fas fa-check-circle"></i> $500 minimum balance</li><li><i class="fas fa-check-circle"></i> Online and mobile banking</li></ul><div class="db-acct-card-footer"><a href="checking-account.html" class="db-btn db-btn-outline db-btn-sm">View Details</a></div></div>
<div class="db-acct-card animate animate-delay-2"><div class="db-acct-card-header"><div class="db-card-icon"><i class="fas fa-piggy-bank"></i></div><h3>Savings Account</h3><p class="tagline">Grow your money</p></div><ul class="db-acct-card-features"><li><i class="fas fa-check-circle"></i> Up to 2.50% APY</li><li><i class="fas fa-check-circle"></i> $100 minimum balance</li><li><i class="fas fa-check-circle"></i> Automated savings plans</li><li><i class="fas fa-check-circle"></i> No monthly fees</li></ul><div class="db-acct-card-footer"><a href="savings-account.html" class="db-btn db-btn-outline db-btn-sm">View Details</a></div></div>
<div class="db-acct-card featured animate animate-delay-3"><div class="db-acct-card-header"><div class="db-card-icon"><i class="fas fa-calendar-alt"></i></div><h3>Fixed Deposit</h3><p class="tagline">Lock in higher returns</p></div><ul class="db-acct-card-features"><li><i class="fas fa-check-circle"></i> Up to 4.25% APY</li><li><i class="fas fa-check-circle"></i> Terms from 1 to 60 months</li><li><i class="fas fa-check-circle"></i> $1,000 minimum deposit</li><li><i class="fas fa-check-circle"></i> Guaranteed returns</li></ul><div class="db-acct-card-footer"><a href="fixed-deposit.html" class="db-btn db-btn-outline db-btn-sm">View Details</a></div></div>
<div class="db-acct-card animate animate-delay-4"><div class="db-acct-card-header"><div class="db-card-icon"><i class="fas fa-building"></i></div><h3>Business Account</h3><p class="tagline">For your enterprise</p></div><ul class="db-acct-card-features"><li><i class="fas fa-check-circle"></i> Multi-user access</li><li><i class="fas fa-check-circle"></i> Business debit card</li><li><i class="fas fa-check-circle"></i> Accounting integrations</li><li><i class="fas fa-check-circle"></i> Dedicated support</li></ul><div class="db-acct-card-footer"><a href="business-account.html" class="db-btn db-btn-outline db-btn-sm">View Details</a></div></div>
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<section class="db-section"><div class="db-container"><div class="db-section-header animate"><span class="db-section-label">Requirements</span><h2 class="db-section-title">What You Need to Get Started</h2><p class="db-section-subtitle">Have these items ready before you begin your application for the fastest experience.</p></div>
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<div class="db-contact-card"><div class="db-contact-card-icon"><i class="fas fa-id-card"></i></div><div class="db-contact-card-body"><h4>Government-Issued Photo ID</h4><p>A valid passport, national identity card, or driver's license. The document must be current, not expired, and clearly show your full name and date of birth.</p></div></div>
<div class="db-contact-card"><div class="db-contact-card-icon"><i class="fas fa-home"></i></div><div class="db-contact-card-body"><h4>Proof of Residential Address</h4><p>A recent utility bill (electricity, water, or gas), bank statement, or official government correspondence dated within the last 3 months showing your name and current address.</p></div></div>
<div class="db-contact-card"><div class="db-contact-card-icon"><i class="fas fa-phone"></i></div><div class="db-contact-card-body"><h4>Active Phone Number</h4><p>A mobile phone number that you have access to for receiving SMS verification codes during the registration and authentication process.</p></div></div>
<div class="db-contact-card"><div class="db-contact-card-icon"><i class="fas fa-envelope"></i></div><div class="db-contact-card-body"><h4>Valid Email Address</h4><p>An email address you check regularly. This will be used for account notifications, e-statements, and important communications from the bank.</p></div></div>
<div class="db-contact-card"><div class="db-contact-card-icon"><i class="fas fa-money-bill-wave"></i></div><div class="db-contact-card-body"><h4>Opening Deposit</h4><p>The minimum deposit varies by account type: $500 for current/checking, $100 for savings, $1,000 for fixed deposit, and $2,500 for business accounts.</p></div></div>
<div class="db-contact-card"><div class="db-contact-card-icon"><i class="fas fa-file-contract"></i></div><div class="db-contact-card-body"><h4>Tax Identification Number</h4><p>Your TIN or Social Security Number for regulatory compliance and tax reporting purposes. Business accounts also require the company's tax ID.</p></div></div>
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<section class="db-section db-section-bg"><div class="db-container"><div class="db-section-header animate"><span class="db-section-label">Ready to Apply</span><h2 class="db-section-title">Begin Your Application</h2><p class="db-section-subtitle">You can complete the entire process online through our secure registration portal.</p></div>
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<a href="account/register.html" class="db-btn db-btn-primary db-btn-lg">Register Now <i class="fas fa-arrow-right"></i></a>
<p class="db-mt-4" style="color:var(--db-gray-500);">Already have an account? <a href="account/login.html">Log in here</a>.</p>
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<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><p class="db-section-subtitle">Answers to common questions about opening an account.</p></div>
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<div class="db-faq-item"><button class="db-faq-question">How long does it take to open an 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>For personal accounts (checking, savings, current), the online application takes approximately 5 to 10 minutes to complete. Once submitted, our automated KYC verification typically processes your documents within minutes. In most cases, your account is active and ready to use on the same day. Business accounts may take 1 to 2 business days due to additional verification requirements.</p></div></div></div>
<div class="db-faq-item"><button class="db-faq-question">Can I open an account if I am not a resident? <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. <?= getSetting("site_name", "Deutsche Bank Holdings Delaware") ?> welcomes non-resident customers. We offer a dedicated Non-Resident Account with multi-currency support and remote account opening. The documentation requirements are slightly different — you will need your passport, proof of overseas address, and potentially a reference from your current bank. Visit our non-resident account page or contact our international banking team for guidance.</p></div></div></div>
<div class="db-faq-item"><button class="db-faq-question">Is there a credit check when opening an 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>For standard checking and savings accounts, we do not perform a hard credit check. We verify your identity through KYC processes but do not pull your credit report. If you apply for an overdraft facility with your current account, a credit assessment may be required at that stage, but it is not part of the standard account opening process.</p></div></div></div>
<div class="db-faq-item"><button class="db-faq-question">What happens after I submit my application? <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>After submission, you will receive a confirmation email with your application reference number. Our team reviews your documents — for personal accounts, this is usually automated and completed within minutes. Once verified, you will receive an email with your account number and instructions for making your opening deposit. Your online banking credentials will be sent separately for security purposes. Your debit card will be mailed to your registered address and typically arrives within 5 to 7 business days.</p></div></div></div>
<div class="db-faq-item"><button class="db-faq-question">Can I open a joint 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>Yes, joint accounts are available for current/checking and savings accounts. Both account holders must complete the application, provide identification documents, and pass KYC verification. Joint accounts can be set up with either "either to sign" (any one account holder can authorize transactions) or "both to sign" (both holders must authorize) authority. Contact our customer service team to begin a joint account application.</p></div></div></div>
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<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">Ready to Join <?= getSetting("site_name", "Deutsche Bank Holdings Delaware") ?>?</h2><p class="db-cta-description">Thousands of customers trust us with their finances. Open your account today and experience banking that puts you first.</p><div class="db-cta-actions"><a href="account/register.html" class="db-btn db-btn-light db-btn-lg">Open Your Account</a><a href="account-comparison.html" class="db-btn db-btn-outline-white db-btn-lg">Compare Accounts First</a></div></div></div></section>
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