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<?php $pageTitle = "Compare Accounts"; 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">Compare Accounts</span></div><h1 class="db-page-hero-title" id="hero-title">Compare Accounts</h1><p class="db-page-hero-subtitle">Side-by-side comparison of all our account types. Find the account that best matches your financial needs and lifestyle.</p></div></section>

<section class="db-section"><div class="db-container"><div class="db-section-header animate"><span class="db-section-label">Comparison Table</span><h2 class="db-section-title">Account Features at a Glance</h2><p class="db-section-subtitle">Use this comprehensive comparison to evaluate our checking, savings, current, fixed deposit, and business accounts across the features that matter most to you.</p></div>
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<table class="db-compare">
<thead><tr><th>Feature</th><th>Checking</th><th>Savings</th><th>Current</th><th>Fixed Deposit</th><th>Business</th></tr></thead>
<tbody>
<tr><td>Monthly Fee</td><td>$0 with min. balance</td><td>$0</td><td>$0 with min. balance</td><td>$0</td><td>$12.00</td></tr>
<tr><td>Minimum Balance</td><td>$500</td><td>$100</td><td>$500</td><td>$1,000</td><td>$2,500</td></tr>
<tr><td>Interest Earning</td><td><span class="cross"><i class="fas fa-times"></i></span></td><td><span class="check"><i class="fas fa-check"></i> Up to 2.50% APY</span></td><td><span class="cross"><i class="fas fa-times"></i></span></td><td><span class="check"><i class="fas fa-check"></i> Up to 4.25% APY</span></td><td><span class="cross"><i class="fas fa-times"></i></span></td></tr>
<tr><td>Debit Card Included</td><td><span class="check"><i class="fas fa-check"></i> Free Visa/MasterCard</span></td><td><span class="cross"><i class="fas fa-times"></i></span></td><td><span class="check"><i class="fas fa-check"></i> Free Visa/MasterCard</span></td><td><span class="cross"><i class="fas fa-times"></i></span></td><td><span class="check"><i class="fas fa-check"></i> Free Visa Business</span></td></tr>
<tr><td>Online Banking</td><td><span class="check"><i class="fas fa-check"></i></span></td><td><span class="check"><i class="fas fa-check"></i></span></td><td><span class="check"><i class="fas fa-check"></i></span></td><td><span class="check"><i class="fas fa-check"></i></span></td><td><span class="check"><i class="fas fa-check"></i></span></td></tr>
<tr><td>Mobile Access</td><td><span class="check"><i class="fas fa-check"></i></span></td><td><span class="check"><i class="fas fa-check"></i></span></td><td><span class="check"><i class="fas fa-check"></i></span></td><td><span class="check"><i class="fas fa-check"></i> View-only</span></td><td><span class="check"><i class="fas fa-check"></i></span></td></tr>
<tr><td>Transfers Included</td><td>Unlimited free</td><td>5 free per month</td><td>Unlimited free</td><td>N/A (locked term)</td><td>50 free per month</td></tr>
<tr><td>Overdraft Facility</td><td><span class="check"><i class="fas fa-check"></i> Subject to approval</span></td><td><span class="cross"><i class="fas fa-times"></i></span></td><td><span class="check"><i class="fas fa-check"></i> Subject to approval</span></td><td><span class="cross"><i class="fas fa-times"></i></span></td><td><span class="check"><i class="fas fa-check"></i> Subject to approval</span></td></tr>
<tr><td>Multi-Currency</td><td><span class="cross"><i class="fas fa-times"></i></span></td><td><span class="cross"><i class="fas fa-times"></i></span></td><td><span class="cross"><i class="fas fa-times"></i></span></td><td><span class="check"><i class="fas fa-check"></i> USD, EUR, GBP</span></td><td><span class="check"><i class="fas fa-check"></i> USD, EUR, GBP</span></td></tr>
<tr><td>Cheque Book</td><td><span class="check"><i class="fas fa-check"></i> First book free</span></td><td><span class="cross"><i class="fas fa-times"></i></span></td><td><span class="check"><i class="fas fa-check"></i> First book free</span></td><td><span class="cross"><i class="fas fa-times"></i></span></td><td><span class="check"><i class="fas fa-check"></i> First book free</span></td></tr>
<tr><td>Dedicated Support</td><td>Standard 24/7</td><td>Standard 24/7</td><td>Standard 24/7</td><td>Standard 24/7</td><td><span class="check"><i class="fas fa-check"></i> Relationship Manager</span></td></tr>
<tr><td>Accounting Integration</td><td><span class="cross"><i class="fas fa-times"></i></span></td><td><span class="cross"><i class="fas fa-times"></i></span></td><td><span class="cross"><i class="fas fa-times"></i></span></td><td><span class="cross"><i class="fas fa-times"></i></span></td><td><span class="check"><i class="fas fa-check"></i> QuickBooks, Xero</span></td></tr>
<tr><td>Best For</td><td>Daily spending</td><td>Building savings</td><td>Everyday banking</td><td>Long-term growth</td><td>Business operations</td></tr>
<tr><td>Open Online</td><td><span class="check"><i class="fas fa-check"></i> Yes</span></td><td><span class="check"><i class="fas fa-check"></i> Yes</span></td><td><span class="check"><i class="fas fa-check"></i> Yes</span></td><td><span class="check"><i class="fas fa-check"></i> Yes</span></td><td><span class="check"><i class="fas fa-check"></i> Yes</span></td></tr>
</tbody></table>
</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">How to Choose</span><h2 class="db-section-title">Which Account Is Right for You?</h2><p class="db-section-subtitle">A quick guide to matching your needs with the right account type.</p></div>
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<div class="db-service-card animate animate-delay-1"><div class="db-card-icon"><i class="fas fa-shopping-cart"></i></div><h3 class="db-card-title">Choose Checking or Current If...</h3><p class="db-card-text">You need an account for daily transactions — receiving your salary, paying bills, shopping with a debit card, and transferring money. These accounts are built for frequent use and come with unlimited transactions and a free debit card.</p></div>
<div class="db-service-card animate animate-delay-2"><div class="db-card-icon"><i class="fas fa-seedling"></i></div><h3 class="db-card-title">Choose Savings If...</h3><p class="db-card-text">You want to build an emergency fund, save for a specific goal, or grow your money over time with competitive interest rates. Savings accounts are ideal for funds you do not need to access daily and reward you with interest for keeping money in the account.</p></div>
<div class="db-service-card animate animate-delay-3"><div class="db-card-icon"><i class="fas fa-hourglass-half"></i></div><h3 class="db-card-title">Choose Fixed Deposit If...</h3><p class="db-card-text">You have a lump sum you want to lock away for a set period — from 1 month to 5 years — to earn the highest interest rates we offer. Fixed deposits guarantee your returns with zero risk and are perfect for long-term financial planning.</p></div>
<div class="db-service-card animate animate-delay-4"><div class="db-card-icon"><i class="fas fa-store"></i></div><h3 class="db-card-title">Choose Business If...</h3><p class="db-card-text">You run a company, partnership, or sole proprietorship and need an account that handles business transactions, supports multiple users, integrates with accounting software, and provides a dedicated relationship manager for your banking needs.</p></div>
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<div class="db-text-center db-mt-8 animate"><a href="open-account.html" class="db-btn db-btn-primary db-btn-lg">Ready to Open an Account? <i class="fas fa-arrow-right"></i></a></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><p class="db-section-subtitle">Common questions about choosing and switching accounts.</p></div>
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<div class="db-faq-item"><button class="db-faq-question">Can I have more than one type of 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>Absolutely. Many customers maintain both a current account for daily spending and a savings account for building wealth. You can also hold a fixed deposit alongside your other accounts. All your accounts appear in a single online banking dashboard, making it easy to manage your entire financial portfolio from one place.</p></div></div></div>
<div class="db-faq-item"><button class="db-faq-question">How do I switch from another bank to <?= 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>Switching is straightforward. Open your new account with us, then use our account switching service to transfer your direct deposits, standing orders, and bill payments. Our team can guide you through the process. Most switches are completed within 7 to 10 business days.</p></div></div></div>
<div class="db-faq-item"><button class="db-faq-question">Are there fees for closing 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>There are no fees for closing a checking, savings, or current account with <?= getSetting("site_name", "Deutsche Bank Holdings Delaware") ?>. For fixed deposit accounts, early withdrawal before the maturity date may result in a penalty on the interest earned. Business accounts can be closed at any time with no closure fee, provided there are no outstanding obligations.</p></div></div></div>
<div class="db-faq-item"><button class="db-faq-question">What identification do I need to open any 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>All account types require a valid government-issued ID (passport, national ID, or driver's license) and proof of address (utility bill or bank statement from the last 3 months). Business accounts additionally require business registration documents, tax identification number, and information about company directors and beneficial owners.</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">Found the Right Account?</h2><p class="db-cta-description">Whether it is checking, savings, or a fixed deposit — open your account online today and start banking with confidence.</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">Need Help Deciding?</a></div></div></div></section>
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