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<?php $pageTitle = "Business 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="business-banking.html">Business Banking</a><span class="separator">/</span><span class="current">Business Account</span></div><h1 class="db-page-hero-title" id="hero-title">Business Account</h1><p class="db-page-hero-subtitle">Banking solutions built for your business — from sole proprietorships to established enterprises. Manage operations, payments, and growth from one powerful account.</p></div></section>

<section class="db-section"><div class="db-container"><div class="db-feature animate"><div class="db-feature-content"><span class="db-section-label">Business Banking</span><h2 class="db-feature-title">A Business Account That Grows With You</h2><p class="db-feature-description">Running a business demands a banking partner that understands your unique challenges. The <?= getSetting("site_name", "Deutsche Bank Holdings Delaware") ?> Business Account is purpose-built for companies of all sizes — from startups and sole traders to mid-sized enterprises and growing corporations.</p><p class="db-feature-description">With multi-user access, role-based permissions, business transfer capabilities, accounting software integrations, and a dedicated relationship manager, you get more than a place to store money — you get a financial platform that supports your operations and fuels your growth.</p></div><div class="db-feature-visual"><div class="db-feature-visual-inner"><img src="assets/images/business/small-business-owner.jpg" alt="Small business owner managing company finances" width="600" height="450" loading="lazy" style="width:100%;height:100%;object-fit:cover;border-radius:var(--db-radius-xl);"></div></div></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">Benefits</span><h2 class="db-section-title">Why Businesses Choose <?= getSetting("site_name", "Deutsche Bank Holdings Delaware") ?></h2><p class="db-section-subtitle">Three powerful advantages that set our business account apart.</p></div>
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<div class="db-service-card animate animate-delay-1"><div class="db-card-icon"><i class="fas fa-user-tie"></i></div><h3 class="db-card-title">Dedicated Relationship Manager</h3><p class="db-card-text">Every business account comes with a named relationship manager who understands your industry and business model. They are your single point of contact for all banking needs — from account queries to financing discussions — ensuring you receive personalized, proactive service.</p></div>
<div class="db-service-card animate animate-delay-2"><div class="db-card-icon"><i class="fas fa-users-cog"></i></div><h3 class="db-card-title">Multi-User Access With Permissions</h3><p class="db-card-text">Grant account access to your team members with customizable role-based permissions. Define who can view balances, initiate transfers, approve payments, or manage beneficiaries. Full audit trails track every action, giving you complete oversight and control.</p></div>
<div class="db-service-card animate animate-delay-3"><div class="db-card-icon"><i class="fas fa-exchange-alt"></i></div><h3 class="db-card-title">Business Transfers & Bulk Payments</h3><p class="db-card-text">Process up to 50 free transfers per month — including payroll disbursements, supplier payments, and inter-account transfers. Upload bulk payment files for batch processing, saving hours of manual data entry and reducing the risk of errors.</p></div>
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<section class="db-section"><div class="db-container"><div class="db-section-header animate"><span class="db-section-label">Features</span><h2 class="db-section-title">Everything Included With Your Business Account</h2></div>
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<div class="db-acct-card animate animate-delay-1"><div class="db-card-icon"><i class="fas fa-credit-card"></i></div><h3 class="db-card-title">Business Debit Card</h3><p class="db-card-text">A free Visa Business debit card for you and authorized team members. Accepted worldwide with no annual card fee.</p></div>
<div class="db-acct-card animate animate-delay-2"><div class="db-card-icon"><i class="fas fa-plug"></i></div><h3 class="db-card-title">Accounting Integrations</h3><p class="db-card-text">Seamlessly connect to QuickBooks, Xero, and other accounting platforms. Automatic transaction sync reduces manual bookkeeping.</p></div>
<div class="db-acct-card animate animate-delay-3"><div class="db-card-icon"><i class="fas fa-globe"></i></div><h3 class="db-card-title">Multi-Currency Wallets</h3><p class="db-card-text">Hold and transact in USD, EUR, and GBP. Send and receive international payments with competitive foreign exchange rates.</p></div>
<div class="db-acct-card animate animate-delay-4"><div class="db-card-icon"><i class="fas fa-chart-bar"></i></div><h3 class="db-card-title">Business Analytics Dashboard</h3><p class="db-card-text">Track cash flow, categorize expenses, and generate financial reports directly from your online banking dashboard.</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">Comparison</span><h2 class="db-section-title">Business Account vs. Personal Current Account</h2><p class="db-section-subtitle">Why a dedicated business account matters for your company.</p></div>
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<thead><tr><th>Feature</th><th>Business Account</th><th>Personal Current Account</th></tr></thead>
<tbody>
<tr><td>Monthly Fee</td><td>$12.00</td><td>$0 with $500 min. balance</td></tr>
<tr><td>Minimum Balance</td><td>$2,500</td><td>$500</td></tr>
<tr><td>Free Transfers/Month</td><td>50</td><td>Unlimited</td></tr>
<tr><td>Multi-User Access</td><td><span class="check"><i class="fas fa-check"></i> Up to 10 users</span></td><td><span class="cross"><i class="fas fa-times"></i></span></td></tr>
<tr><td>Role-Based Permissions</td><td><span class="check"><i class="fas fa-check"></i> Customizable</span></td><td><span class="cross"><i class="fas fa-times"></i></span></td></tr>
<tr><td>Dedicated Relationship Manager</td><td><span class="check"><i class="fas fa-check"></i> Included</span></td><td><span class="cross"><i class="fas fa-times"></i></span></td></tr>
<tr><td>Accounting Software Integration</td><td><span class="check"><i class="fas fa-check"></i> QuickBooks, Xero</span></td><td><span class="cross"><i class="fas fa-times"></i></span></td></tr>
<tr><td>Bulk Payment Processing</td><td><span class="check"><i class="fas fa-check"></i> Supported</span></td><td><span class="cross"><i class="fas fa-times"></i></span></td></tr>
<tr><td>Business Debit Card</td><td><span class="check"><i class="fas fa-check"></i> Visa Business</span></td><td><span class="check"><i class="fas fa-check"></i> Standard Visa/MC</span></td></tr>
<tr><td>Multi-Currency Support</td><td><span class="check"><i class="fas fa-check"></i> USD, EUR, GBP</span></td><td><span class="cross"><i class="fas fa-times"></i></span></td></tr>
<tr><td>Payroll Processing</td><td><span class="check"><i class="fas fa-check"></i> Built-in</span></td><td><span class="cross"><i class="fas fa-times"></i></span></td></tr>
<tr><td>Overdraft Facility</td><td><span class="check"><i class="fas fa-check"></i> Up to $50,000</span></td><td><span class="check"><i class="fas fa-check"></i> Up to $5,000</span></td></tr>
<tr><td>Best For</td><td>Companies and enterprises</td><td>Personal daily spending</td></tr>
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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">Common questions about our business accounts.</p></div>
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<div class="db-faq-item"><button class="db-faq-question">What types of businesses can 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><?= getSetting("site_name", "Deutsche Bank Holdings Delaware") ?> welcomes sole proprietorships, partnerships, limited liability companies (LLCs), corporations, non-profit organizations, and cooperatives. The documentation requirements vary slightly by business structure. Our business banking team can advise you on exactly what is needed for your specific entity type during the application process.</p></div></div></div>
<div class="db-faq-item"><button class="db-faq-question">What documents are required to open a business 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 will need: (1) Certificate of incorporation or business registration document, (2) Tax identification number for the business, (3) Valid ID documents for all directors and authorized signatories, (4) Proof of business address, (5) Board resolution authorizing the account opening (for corporations), and (6) Information about beneficial owners holding 25% or more of the business. Our team will guide you through the document collection process.</p></div></div></div>
<div class="db-faq-item"><button class="db-faq-question">How long does it take to open a business 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>Business account applications are typically processed within 1 to 2 business days after all required documents have been submitted. The timeline depends on the completeness of your documentation and the complexity of your business structure. Our relationship managers work to expedite the process and keep you informed at every stage. Once approved, your account is activated immediately and you can begin transacting right away.</p></div></div></div>
<div class="db-faq-item"><button class="db-faq-question">Can I add or remove authorized users later? <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. You can add, remove, or modify user access at any time through your online banking dashboard or by contacting your relationship manager. When adding a new user, you define their specific permissions — such as view-only access, transfer initiation rights, or full administrative privileges. All changes are logged in the audit trail for your security and compliance records.</p></div></div></div>
<div class="db-faq-item"><button class="db-faq-question">Does the business account integrate with accounting software? <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. The <?= getSetting("site_name", "Deutsche Bank Holdings Delaware") ?> Business Account integrates directly with QuickBooks Online, Xero, Sage, and FreshBooks. Once connected, your transactions are automatically imported and categorized, eliminating manual data entry. The integration syncs daily and supports reconciliation workflows, making tax preparation and financial reporting significantly more efficient.</p></div></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">Related</span><h2 class="db-section-title">You May Also Be Interested In</h2></div>
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<a href="business-banking.html" class="db-quick-action animate animate-delay-1"><div class="db-quick-action-icon"><i class="fas fa-briefcase"></i></div><span>Business Banking</span><small>Overview of business services</small></a>
<a href="corporate-bank.html" class="db-quick-action animate animate-delay-2"><div class="db-quick-action-icon"><i class="fas fa-city"></i></div><span>Corporate Banking</span><small>Enterprise solutions</small></a>
<a href="transfers.html" class="db-quick-action animate animate-delay-3"><div class="db-quick-action-icon"><i class="fas fa-exchange-alt"></i></div><span>Money Transfers</span><small>Send business payments</small></a>
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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 Power Your Business Banking?</h2><p class="db-cta-description">Open a business account with <?= getSetting("site_name", "Deutsche Bank Holdings Delaware") ?> and get the tools, support, and insights your company needs to thrive.</p><div class="db-cta-actions"><a href="account/register.html" class="db-btn db-btn-light db-btn-lg">Open a Business Account</a><a href="contact.html" class="db-btn db-btn-outline-white db-btn-lg">Speak to Our Team</a></div></div></div></section>
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