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<?php $pageTitle = "Getting Started with Digital Banking"; include 'includes/public-header.php'; ?>

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<section class="db-page-hero" aria-labelledby="hero-title"><div class="db-container"><h1 class="db-page-hero-title" id="hero-title">Getting Started with Digital Banking</h1><p class="db-page-hero-subtitle">Everything you need to know to set up your account, navigate your dashboard, make your first transfer, and secure your online banking experience.</p></div></section>

<!-- Step-by-Step Onboarding -->
<section class="db-section"><div class="db-container"><div class="db-section-header animate"><span class="db-section-label">Onboarding</span><h2 class="db-section-title">Your Journey Starts Here</h2><p class="db-section-subtitle">Follow these simple steps to go from new customer to confident digital banker.</p></div>
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  <div class="db-step animate animate-delay-1"><h4>Open Your Account</h4><p>Complete the online registration with your personal details and KYC documents. Verification is fast and your account is activated within minutes.</p></div>
  <div class="db-step animate animate-delay-2"><h4>Set Up Your Credentials</h4><p>Create a strong password, set your 4-digit transaction PIN, and configure multi-factor authentication for maximum security.</p></div>
  <div class="db-step animate animate-delay-3"><h4>Explore Your Dashboard</h4><p>Log in and familiarise yourself with the dashboard: view balances, explore account features, and customise your notification preferences.</p></div>
  <div class="db-step animate animate-delay-4"><h4>Make Your First Transfer</h4><p>Add a payee and send your first transfer. All transactions are PIN-protected for your security. Track status in real time.</p></div>
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<!-- What You Need -->
<section class="db-section db-section-bg"><div class="db-container"><div class="db-content animate"><h2>What You Need to Open an Account</h2><p>Before you begin, gather the following documents and information to ensure a smooth application process:</p>
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  <div class="db-card"><div class="db-card-icon"><i class="fas fa-id-card"></i></div><h3 class="db-card-title">Valid Government-Issued Photo ID</h3><p class="db-card-text">A current passport, national identity card, or driver's licence. The document must be valid and clearly show your full name, date of birth, and photograph.</p></div>
  <div class="db-card"><div class="db-card-icon"><i class="fas fa-home"></i></div><h3 class="db-card-title">Proof of Residential Address</h3><p class="db-card-text">A recent utility bill, bank statement, or tenancy agreement dated within the last 3 months showing your full name and current residential address.</p></div>
  <div class="db-card"><div class="db-card-icon"><i class="fas fa-file-invoice"></i></div><h3 class="db-card-title">Tax Identification Number</h3><p class="db-card-text">Your TIN or equivalent tax registration number from your country of residence. This is required for regulatory compliance.</p></div>
  <div class="db-card"><div class="db-card-icon"><i class="fas fa-envelope"></i></div><h3 class="db-card-title">Valid Email Address & Phone Number</h3><p class="db-card-text">An active email address and mobile phone number for account communications, verification codes, and security notifications.</p></div>
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<!-- Account Types Overview -->
<section class="db-section"><div class="db-container"><div class="db-content animate"><h2>Account Types Overview</h2><p>Choose the account that best fits your financial goals. You can always add more accounts later from your dashboard.</p>
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  <div class="db-acct-card animate animate-delay-1"><div class="db-acct-card-header"><h3>Current Account</h3><p class="tagline">For everyday spending and money management</p></div><ul class="db-acct-card-features"><li><i class="fas fa-check-circle"></i> Full online and mobile banking access</li><li><i class="fas fa-check-circle"></i> Free local transfers</li><li><i class="fas fa-check-circle"></i> Debit card included</li><li><i class="fas fa-check-circle"></i> Real-time transaction notifications</li></ul><div class="db-acct-card-footer"><a href="checking-account.html" class="db-btn db-btn-outline db-btn-sm">Learn More</a></div></div>
  <div class="db-acct-card featured animate animate-delay-2"><div class="db-acct-card-header"><h3>Savings Account</h3><p class="tagline">Grow your money with competitive returns</p></div><ul class="db-acct-card-features"><li><i class="fas fa-check-circle"></i> Earn interest on your balance</li><li><i class="fas fa-check-circle"></i> Set savings goals and track progress</li><li><i class="fas fa-check-circle"></i> Automatic recurring deposits</li><li><i class="fas fa-check-circle"></i> No minimum balance requirement</li></ul><div class="db-acct-card-footer"><a href="savings-account.html" class="db-btn db-btn-outline db-btn-sm">Learn More</a></div></div>
  <div class="db-acct-card animate animate-delay-3"><div class="db-acct-card-header"><h3>Fixed Deposit Account</h3><p class="tagline">Higher returns for longer-term savings</p></div><ul class="db-acct-card-features"><li><i class="fas fa-check-circle"></i> Competitive fixed interest rates</li><li><i class="fas fa-check-circle"></i> Flexible term lengths available</li><li><i class="fas fa-check-circle"></i> Secure, predictable returns</li><li><i class="fas fa-check-circle"></i> Automatic renewal options</li></ul><div class="db-acct-card-footer"><a href="account-comparison.html" class="db-btn db-btn-outline db-btn-sm">Learn More</a></div></div>
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<!-- Setting Up Your Dashboard & First Transfer -->
<section class="db-section db-section-bg"><div class="db-container"><div class="db-content animate"><h2>Setting Up Your Dashboard</h2><p>Once your account is activated, log in to your dashboard to personalise your banking experience.</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">Configure Notifications</h3><p class="db-card-text">Go to Settings and enable email and SMS notifications for logins, transfers, bill payments, and low balance alerts. We recommend turning on all security-related notifications so you are always aware of account activity.</p></div>
  <div class="db-card"><div class="db-card-icon"><i class="fas fa-user-edit"></i></div><h3 class="db-card-title">Update Your Profile</h3><p class="db-card-text">Verify that your contact details are correct and add any missing information. An up-to-date profile ensures you receive important account communications without interruption.</p></div>
  <div class="db-card"><div class="db-card-icon"><i class="fas fa-credit-card"></i></div><h3 class="db-card-title">Activate Your Card</h3><p class="db-card-text">If you ordered a physical debit card, navigate to the Cards section to activate it as soon as it arrives. Set your card PIN during activation. You can also generate virtual cards for online purchases.</p></div>
  <div class="db-card"><div class="db-card-icon"><i class="fas fa-user-plus"></i></div><h3 class="db-card-title">Add Payees</h3><p class="db-card-text">Before making your first transfer, add payees by entering their account details. This is a one-time setup. You can manage your payee list from the Transfers section of your dashboard.</p></div>
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<!-- First Transfer Guide -->
<section class="db-section"><div class="db-container"><div class="db-content animate"><h2>Making Your First Transfer</h2><p>Sending money is simple and secure. Here is how to complete your first transfer step by step.</p>
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  <div class="db-step"><h4>Navigate to Transfers</h4><p>From your dashboard, click on Transfers in the main navigation menu. Choose between Local Transfer or International Transfer.</p></div>
  <div class="db-step"><h4>Enter Transfer Details</h4><p>Select the payee from your saved list or enter new recipient details. Specify the amount, currency, and any reference or description for the transaction.</p></div>
  <div class="db-step"><h4>Review and Confirm</h4><p>Double-check all details on the confirmation screen. Ensure the recipient name, account number, and amount are correct before proceeding.</p></div>
  <div class="db-step"><h4>Authorise with Your PIN</h4><p>Enter your 4-digit transaction PIN to authorise the transfer. You will receive an immediate confirmation and can track the transfer status from your dashboard.</p></div>
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<!-- Security Setup & FAQ -->
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  <div class="animate"><h2>Security Setup Checklist</h2><p>Complete these essential security steps to protect your account:</p><ul style="list-style:none;padding:0;"><li style="padding:0.5rem 0;color:var(--db-gray-600);"><i class="fas fa-check-circle" style="color:var(--db-success);margin-right:0.5rem;"></i> Create a strong, unique password (minimum 12 characters)</li><li style="padding:0.5rem 0;color:var(--db-gray-600);"><i class="fas fa-check-circle" style="color:var(--db-success);margin-right:0.5rem;"></i> Set a 4-digit transaction PIN that is not easily guessable</li><li style="padding:0.5rem 0;color:var(--db-gray-600);"><i class="fas fa-check-circle" style="color:var(--db-success);margin-right:0.5rem;"></i> Enable multi-factor authentication</li><li style="padding:0.5rem 0;color:var(--db-gray-600);"><i class="fas fa-check-circle" style="color:var(--db-success);margin-right:0.5rem;"></i> Turn on login and transaction notifications</li><li style="padding:0.5rem 0;color:var(--db-gray-600);"><i class="fas fa-check-circle" style="color:var(--db-success);margin-right:0.5rem;"></i> Verify your registered email and phone number are correct</li><li style="padding:0.5rem 0;color:var(--db-gray-600);"><i class="fas fa-check-circle" style="color:var(--db-success);margin-right:0.5rem;"></i> Review your account activity regularly for anything unusual</li></ul></div>
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    <h2>Quick Questions</h2>
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      <div class="db-faq-item"><button class="db-faq-question" aria-expanded="false">How long does KYC verification take?<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>KYC verification is typically completed within minutes during business hours. In some cases, additional document review may be required, which can take up to 24 hours. You will receive an email notification as soon as your verification is complete.</p></div></div></div>
      <div class="db-faq-item"><button class="db-faq-question" aria-expanded="false">Can I open 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>Yes. Once your first account is open, you can add additional accounts — such as a savings account alongside your current account — directly from your dashboard. Each additional account type may require its own minimum deposit where applicable.</p></div></div></div>
      <div class="db-faq-item"><button class="db-faq-question" aria-expanded="false">What if I encounter problems during setup?<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 you run into any issues during the onboarding process, our customer support team is available 24/7 to assist. Call <?= getSetting("contact_phone", "+1 (800) 555-0199") ?> or visit the <a href="help-centre.html">Help Centre</a> for step-by-step troubleshooting guides.</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 Begin?</h2><p class="db-cta-description">Open your account today and join thousands of customers who trust <?= getSetting("site_name", "Deutsche Bank Holdings Delaware") ?> for their everyday banking.</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="accounts.html" class="db-btn db-btn-outline-white db-btn-lg">Explore Accounts</a></div></div></div></section>
</main>

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