Replace {1}/{2}/{3} with {0}/{1}/{2} as it begins at 0.
Ex:
string yyyy = OPENING_DATE.Substring(0, 4);
string mm = OPENING_DATE.Substring(4, 2);
string dd = OPENING_DATE.Substring(6, 2);
ncbaccount.Date_Opened = string.Format("{0}/{1}/{2}", dd, mm, yyyy);