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

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<!-- ===== PAGE HERO ===== -->
<section class="db-page-hero db-page-hero-bg" style="background-image:url('assets/images/insights/protect-from-fraud.jpg');" aria-labelledby="hero-title"><div class="db-container"><h1 class="db-page-hero-title" id="hero-title">Protecting Your Account</h1><p class="db-page-hero-subtitle">Your account security is our top priority — and yours should be too. This guide covers everything you need to know about keeping your banking information safe from unauthorised access and fraud.</p></div></section>

<!-- ===== PASSWORD BEST PRACTICES ===== -->
<section class="db-section"><div class="db-container"><div class="db-content animate"><h2>Password Best Practices</h2><p>Your online banking password is the first line of defence against unauthorised access. A weak or reused password makes it far easier for attackers to compromise your account. Follow these guidelines to create and maintain strong passwords that keep your account secure:</p>
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    <h3>Do</h3>
    <ul style="list-style:none;padding:0;">
      <li style="padding:0.4rem 0;display:flex;align-items:flex-start;gap:0.5rem;"><i class="fas fa-check-circle" style="color:var(--db-success);margin-top:0.25rem;"></i> <span>Use a password that is at least 12 characters long, combining uppercase letters, lowercase letters, numbers, and symbols.</span></li>
      <li style="padding:0.4rem 0;display:flex;align-items:flex-start;gap:0.5rem;"><i class="fas fa-check-circle" style="color:var(--db-success);margin-top:0.25rem;"></i> <span>Create a unique password for your banking account that you do not use anywhere else.</span></li>
      <li style="padding:0.4rem 0;display:flex;align-items:flex-start;gap:0.5rem;"><i class="fas fa-check-circle" style="color:var(--db-success);margin-top:0.25rem;"></i> <span>Change your password periodically — at least every three to six months.</span></li>
      <li style="padding:0.4rem 0;display:flex;align-items:flex-start;gap:0.5rem;"><i class="fas fa-check-circle" style="color:var(--db-success);margin-top:0.25rem;"></i> <span>Use a reputable password manager to generate and store complex passwords securely.</span></li>
    </ul>
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    <h3>Don't</h3>
    <ul style="list-style:none;padding:0;">
      <li style="padding:0.4rem 0;display:flex;align-items:flex-start;gap:0.5rem;"><i class="fas fa-times-circle" style="color:var(--db-danger);margin-top:0.25rem;"></i> <span>Never use easily guessed information such as your name, date of birth, or "password123".</span></li>
      <li style="padding:0.4rem 0;display:flex;align-items:flex-start;gap:0.5rem;"><i class="fas fa-times-circle" style="color:var(--db-danger);margin-top:0.25rem;"></i> <span>Do not reuse the same password across multiple websites or services.</span></li>
      <li style="padding:0.4rem 0;display:flex;align-items:flex-start;gap:0.5rem;"><i class="fas fa-times-circle" style="color:var(--db-danger);margin-top:0.25rem;"></i> <span>Never write your password down or store it in an unencrypted file on your computer or phone.</span></li>
      <li style="padding:0.4rem 0;display:flex;align-items:flex-start;gap:0.5rem;"><i class="fas fa-times-circle" style="color:var(--db-danger);margin-top:0.25rem;"></i> <span>Do not share your password with anyone — bank staff will never ask for it.</span></li>
    </ul>
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</div></div></section>

<!-- ===== PIN PROTECTION ===== -->
<section class="db-section db-section-bg"><div class="db-container"><div class="db-content animate"><h2>PIN Protection</h2><p>Your 4-digit transaction PIN is required to authorise transfers and payments. Protecting it is just as important as protecting your password. A compromised PIN can allow an attacker to move money out of your account even if they do not have your login credentials.</p>
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  <div class="db-card animate animate-delay-1"><div class="db-card-icon"><i class="fas fa-eye-slash"></i></div><h3 class="db-card-title">Keep It Private</h3><p class="db-card-text">Never share your PIN with anyone, including family members, friends, or anyone claiming to be from the bank. <?= getSetting("site_name", "Deutsche Bank Holdings Delaware") ?> will never ask you to disclose your PIN over the phone, by email, or in person.</p></div>
  <div class="db-card animate animate-delay-2"><div class="db-card-icon"><i class="fas fa-random"></i></div><h3 class="db-card-title">Choose Carefully</h3><p class="db-card-text">Avoid using obvious sequences like "1234" or "0000", and do not use dates such as your birth year or anniversary that could be guessed from other information about you.</p></div>
  <div class="db-card animate animate-delay-3"><div class="db-card-icon"><i class="fas fa-sync-alt"></i></div><h3 class="db-card-title">Change It Regularly</h3><p class="db-card-text">Update your PIN periodically through your online banking settings. If you suspect someone may have seen you enter your PIN, change it immediately.</p></div>
</div></div></section>

<!-- ===== RECOGNISING PHISHING ===== -->
<section class="db-section"><div class="db-container"><div class="db-content animate"><h2>Recognising Phishing Attempts</h2><p>Phishing is one of the most common ways criminals try to gain access to banking accounts. These attacks typically arrive as emails, text messages, or phone calls that appear to come from your bank, asking you to provide login details, PINs, or one-time codes. The messages often look convincing, using the bank's logo and branding, but there are tell-tale signs you can learn to spot.</p>
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  <div class="db-card"><div class="db-card-icon"><i class="fas fa-exclamation-triangle"></i></div><h3 class="db-card-title">Warning Signs of Phishing</h3><p class="db-card-text">Messages that create a sense of urgency — claiming your account will be closed or suspended unless you act immediately — are a major red flag. Look for poor grammar, generic greetings like "Dear Customer" instead of your name, and sender email addresses that are slightly misspelled. Legitimate banks never ask you to click a link in an email to verify your identity or update your details.</p></div>
  <div class="db-card"><div class="db-card-icon"><i class="fas fa-check-circle"></i></div><h3 class="db-card-title">How to Respond Safely</h3><p class="db-card-text">If you receive a suspicious message, do not click any links, open any attachments, or call any phone numbers provided in the message. Instead, open your browser and type the bank's official website address directly, or call the phone number printed on the back of your debit card. Forward suspicious emails to fraud@dbhacu.com so our security team can investigate.</p></div>
</div></div></section>

<!-- ===== SECURING YOUR DEVICES ===== -->
<section class="db-section db-section-bg"><div class="db-container"><div class="db-content animate"><h2>Securing Your Devices</h2><p>The devices you use to access online banking — your phone, tablet, laptop, or desktop computer — must also be secure. An unprotected device can expose your banking credentials even if the bank's own systems are fully secure.</p>
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  <div class="db-card animate animate-delay-1"><div class="db-card-icon"><i class="fas fa-sync-alt"></i></div><h3 class="db-card-title">Keep Software Updated</h3><p class="db-card-text">Install operating system updates and security patches as soon as they become available. Enable automatic updates where possible so you never miss a critical fix. This applies to your computer, phone, and any apps you use for banking.</p></div>
  <div class="db-card animate animate-delay-2"><div class="db-card-icon"><i class="fas fa-lock"></i></div><h3 class="db-card-title">Use Screen Locks</h3><p class="db-card-text">Set up a PIN, password, fingerprint, or face recognition lock on every device you use. If your device is lost or stolen, a screen lock is the first barrier that prevents someone from accessing your banking apps and saved information.</p></div>
  <div class="db-card animate animate-delay-3"><div class="db-card-icon"><i class="fas fa-wifi"></i></div><h3 class="db-card-title">Avoid Public Wi-Fi</h3><p class="db-card-text">Public Wi-Fi networks in cafes, airports, and hotels are often unsecured and can be intercepted. Avoid logging into your banking account on public networks. If you must, use a reputable VPN service to encrypt your connection.</p></div>
</div></div></section>

<!-- ===== WHAT TO DO IF YOU SUSPECT FRAUD ===== -->
<section class="db-section"><div class="db-container"><div class="db-content animate"><h2>What to Do If You Suspect Fraud</h2><p>Acting quickly is critical if you believe your account has been compromised. The sooner you report a suspected fraud, the better the chances of preventing or recovering any lost funds. Here is the immediate action plan:</p>
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    <h4 style="color:var(--db-danger);">Immediate Steps</h4>
    <ol style="padding-left:1.25rem;color:var(--db-gray-600);line-height:2;">
      <li>Log in to your account and change your password and PIN immediately.</li>
      <li>Review your recent transaction history for any unauthorised activity.</li>
      <li>If you see unrecognised transactions, freeze your card through your dashboard.</li>
      <li>Call our fraud hotline on the number listed in your online banking portal.</li>
      <li>Report the incident through the official fraud reporting page.</li>
    </ol>
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  <div style="background:var(--db-gray-50);border:1px solid var(--db-gray-200);border-radius:var(--db-radius-lg);padding:var(--db-space-6);">
    <h4 style="color:var(--db-primary);">What We Will Do</h4>
    <ol style="padding-left:1.25rem;color:var(--db-gray-600);line-height:2;">
      <li>Place a temporary hold on your account to prevent further transactions.</li>
      <li>Investigate the suspicious activity and work to recover any lost funds.</li>
      <li>Issue a replacement card if your card details have been compromised.</li>
      <li>Guide you through additional security measures to protect your account going forward.</li>
      <li>Provide a written report for your records and any insurance claims.</li>
    </ol>
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</div></div></section>

<!-- ===== STAYING SAFE ONLINE ===== -->
<section class="db-section db-section-bg"><div class="db-container"><div class="db-content animate"><h2>Staying Safe Online</h2><p>Security is an ongoing practice, not a one-time setup. Building these habits into your daily routine significantly reduces your risk of becoming a victim of fraud:</p>
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  <div class="db-card"><div class="db-card-icon"><i class="fas fa-bell"></i></div><h3 class="db-card-title">Enable Transaction Alerts</h3><p class="db-card-text">Set up real-time notifications for every transaction on your account. This way, if an unauthorised payment occurs, you will know about it within seconds and can take immediate action through your dashboard or by contacting our support team.</p></div>
  <div class="db-card"><div class="db-card-icon"><i class="fas fa-shield-alt"></i></div><h3 class="db-card-title">Use Multi-Factor Authentication</h3><p class="db-card-text">Multi-factor authentication requires a second form of verification — such as a code sent to your phone — in addition to your password. Enable this feature in your security settings. It adds a powerful extra layer of protection even if your password is compromised.</p></div>
</div></div></section>

<!-- ===== RELATED GUIDES ===== -->
<section class="db-section"><div class="db-container"><div class="db-section-header animate"><span class="db-section-label">Related Guides</span><h2 class="db-section-title">Continue Reading</h2><p class="db-section-subtitle">Explore more guides to help you stay secure and informed.</p></div>
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  <div class="db-insight-card animate animate-delay-1"><div class="db-insight-card-image"><img src="assets/images/insights/spot-scam.jpg" alt="Spotting a banking scam" width="400" height="250" loading="lazy"></div><div class="db-insight-card-body"><div class="category">Security</div><h4>How to Spot a Banking Scam Before It Is Too Late</h4><p>Learn the common tactics scammers use — from phishing emails to fake support calls — and how to recognise them.</p><p style="font-size:var(--db-text-xs);color:var(--db-gray-400);margin-bottom:var(--db-space-2);"><i class="fas fa-clock"></i> 6 min read</p><a href="scam-awareness.html" class="read-more">Read guide <i class="fas fa-arrow-right" style="font-size:0.7rem;"></i></a></div></div>
  <div class="db-insight-card animate animate-delay-2"><div class="db-insight-card-image"><img src="assets/images/insights/lost-card-guide.jpg" alt="What to do if your card is lost" width="400" height="250" loading="lazy"></div><div class="db-insight-card-body"><div class="category">Cards</div><h4>Lost Your Card? Here Is What to Do Immediately</h4><p>Step-by-step instructions for freezing your card, reporting the loss, and getting a replacement quickly.</p><p style="font-size:var(--db-text-xs);color:var(--db-gray-400);margin-bottom:var(--db-space-2);"><i class="fas fa-clock"></i> 4 min read</p><a href="card-security.html" class="read-more">Read guide <i class="fas fa-arrow-right" style="font-size:0.7rem;"></i></a></div></div>
  <div class="db-insight-card animate animate-delay-3"><div class="db-insight-card-image"><img src="assets/images/insights/secure-transfers.jpg" alt="Making secure money transfers" width="400" height="250" loading="lazy"></div><div class="db-insight-card-body"><div class="category">Transfers</div><h4>Making Secure Money Transfers</h4><p>How to verify beneficiary details, confirm transactions with your PIN, and avoid common transfer mistakes.</p><p style="font-size:var(--db-text-xs);color:var(--db-gray-400);margin-bottom:var(--db-space-2);"><i class="fas fa-clock"></i> 4 min read</p><a href="transfers.html" class="read-more">Read guide <i class="fas fa-arrow-right" style="font-size:0.7rem;"></i></a></div></div>
</div></div></section>

<!-- ===== YOU MAY ALSO BE INTERESTED IN ===== -->
<section class="db-section db-section-bg"><div class="db-container"><div class="db-section-header animate"><span class="db-section-label">You May Also Be Interested In</span><h2 class="db-section-title">Explore More</h2></div>
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  <a href="security-centre.html" class="db-card" style="text-decoration:none;"><div class="db-card-icon"><i class="fas fa-shield-alt"></i></div><h3 class="db-card-title">Security Centre</h3><p class="db-card-text">Our comprehensive security hub with tools, tips, and resources to protect your accounts.</p><span class="db-card-link">Visit Security Centre <i class="fas fa-arrow-right"></i></span></a>
  <a href="scam-awareness.html" class="db-card" style="text-decoration:none;"><div class="db-card-icon"><i class="fas fa-exclamation-triangle"></i></div><h3 class="db-card-title">Scam Awareness</h3><p class="db-card-text">Learn to recognise common banking scams and protect yourself from phishing, vishing, and smishing.</p><span class="db-card-link">Learn More <i class="fas fa-arrow-right"></i></span></a>
  <a href="report-fraud.html" class="db-card" style="text-decoration:none;"><div class="db-card-icon"><i class="fas fa-flag"></i></div><h3 class="db-card-title">Report Fraud</h3><p class="db-card-text">If you suspect fraudulent activity, report it immediately through our dedicated fraud reporting channel.</p><span class="db-card-link">Report Now <i class="fas fa-arrow-right"></i></span></a>
</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">Stay One Step Ahead</h2><p class="db-cta-description">Visit our Security Centre for the latest tools, guidance, and resources to protect your account.</p><div class="db-cta-actions"><a href="security-centre.html" class="db-btn db-btn-light db-btn-lg">Visit Security Centre</a><a href="scam-awareness.html" class="db-btn db-btn-outline-white db-btn-lg">Scam Awareness</a></div></div></div></section>

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