Online Bank Account Signup Flow

I need a streamlined online flow that lets individual customers open a new bank account from start to finish. At this stage I only want to collect their chosen login credentials—username, strong password, and optional two-factor preference—nothing more. The form must be friction-free, responsive, and accessible through any modern browser so users can complete the process on desktop or mobile without downloading an app.

Security is paramount: please apply best practices such as HTTPS everywhere, input sanitisation, rate limiting, and server-side validation. A clean, modular codebase in React (or plain HTML/CSS/JS if you prefer) paired with a lightweight backend—Node/Express, Django, or Laravel are all fine—will help me integrate quickly with our core banking API later.

Deliverables:
• Front-end signup form styled to match a simple neutral theme
• Back-end endpoint that stores the new user’s login details in a secure, hashed form
• Brief README explaining setup, environment variables, and how to trigger a test registration

Acceptance criteria:
• Form loads in under two seconds on a standard 4G connection
• All inputs validated client- and server-side, with friendly inline error messages
• Passwords hashed using bcrypt or Argon2 and never logged in plain text
• Successful registration returns a JSON confirmation with a unique user ID

In future phases I may expand the flow to capture personal identification, address, or employment data, so please keep the code extensible. Let me know your preferred stack and estimated timeline, and feel free to suggest improvements that keep onboarding effortless for my individual users.