Deposit Account Opening (Digital & Branch) — impact tolerance ≤ 2 business days — ITOL

Impact tolerance: ≤ 2 business days — any pipeline stall > 2 days; regulatory CIP timelines must be met (illustrative default — trace the derivation, then replace with your own harm analysis)

Definition: New checking, savings, and money-market account origination through digital and branch channels, including KYC/CIP.

Why it is designated: Growth-critical but non-emergency. CIP (Customer Identification Program) has regulatory timing but not sub-daily. Longer tolerance reflects deferrable nature.