The bank froze some functions of the bank card. In this case, if users want to handle business, they need to go to the bank counter.
For example, the bank card is useless for more than half a year, the ID card is expired, and the information in the system is incomplete. Cardholders need to go to the bank counter or improve their personal information in mobile banking, waiting for the bank to lift the restrictions. ATM machines, online banking, mobile banking and third-party payment platforms cannot be used.
What does it mean to suspend the non-counter status?
Suspension of non-counter transactions means that the account has suspended non-counter transactions, that is, the bank has frozen some functions of the bank card, and users can only handle business through the counters of bank outlets, and users cannot handle business in any other way.
For example, users cannot handle business through online banking and ATM, nor can they handle services such as WeChat payment, Alipay transfer, deposit and withdrawal, payment and remittance.
Reasons and solutions of bank card being suspended at the counter;
The identity information of 1 is incomplete, and the personal information needs to be supplemented. The bank can't resume until it is confirmed.
My account has not been used for many years, and I have to go to any outlet in the country to re-verify my identity information with my valid ID card and bank card/passbook.
If the account is not used for 6 months after opening, it will become a sleep card. Just take my certificate to the counter and activate it.
4. There is capital risk in account transaction. If you confirm that the card is for your own use, you can take it back.
There are five cases involved: if cooperation is needed and there is no risk, the restrictions can be lifted.
The bank card account has been suspended from OTC trading. What do you mean?
The account has been suspended from counter trading, which means that the bank card business is restricted, and I need to go to the counter with my ID card to lift the restriction.
There are many reasons for this restriction, for example, the card has not been used for more than one year, the ID card has expired recently, and the information in the system is incomplete. As long as the cardholder goes to the counter to improve the information, the restriction will be lifted.
Bank cards can only be traded over the counter, that is to say, when the cardholder holds the card, he can only trade under the counter of the issuing bank, and cannot handle online transactions. Especially for users whose accounts are suspended from OTC trading, in this case, they can only trade offline. If the cardholder wants to handle online transactions, he needs to go to the offline counter to lift the restrictions.
Non-over-the-counter transactions refer to transactions that do not go through the bank counter, including those through mobile banking, online banking, ATM machines, POS machines and other channels. Because these businesses do not need to be handled at the counter, they are all non-counter businesses.
For example: online banking, mobile banking, ATM transactions, etc. If some bank cards are not used for half a year, and banks are worried about being used under false names or money laundering, they will suspend their counter business, so they cannot be used in these places.
Bank counter business refers to the teller counter business that I need to handle independently in the bank.
Bank counter business type:
Deposit and withdrawal, remittance, loan, repayment and payment on behalf of others: water, electricity, telephone, mobile phone, lottery and tax;
Agency business, fund, insurance and bank-securities transfer.
The account has been suspended from over-the-counter trading, which means that the business of bank cards is restricted. All I have to do is take my ID card to the counter to lift the restrictions. There are many reasons for this restriction, for example, the card has not been used for more than half a year, the ID card has expired recently, and the information in the system is incomplete. As long as the cardholder goes to the counter or improves the information on the mobile banking, the restriction will be lifted.
Over-the-counter customers are mainly institutional customers, and various securities companies have formulated corresponding over-the-counter trading suitability management systems, formulated different investor access standards according to different products, established customer classification and product risk rating systems, and realized the matching of customers with different risk preferences and products with different risk grades.
Over-the-counter trading business will mainly be agreement trading, and at the same time try to carry out quotation trading or market maker trading mechanism. The types of trading products follow the principle of easy before difficult, and most of them are financial products created, developed and managed by brokers themselves.
What do you mean by suspending counter service?
The bank's suspension of counter transactions means that we can't handle business through online banking, mobile banking, self-service banking and ATM machines. And we can only handle transactions at the counter of bank outlets.
The reasons for the bank's suspension of OTC trading are as follows:
1. The mobile phone number reserved by the bank card is not for my own use.
2. There is no capital transaction in the bank card within 6 months.
3. Bank card expires: the use period will be printed on the card face of the bank card, and the expiration will be restricted;
4. ID card expired: When opening the card, the user is required to provide the ID card. If the ID card information expires, it will be restricted;
5. Judicial freezing: the bank card is frozen by the judicial department or the public security, mostly because the user is involved in judicial cases, or illegal funds flow into the card;
6. Abnormal traffic: Abnormal transaction records of bank card traffic triggered the bank's risk control system, and the bank will temporarily freeze some functions of the card.
Solutions for banks to suspend off-counter transactions: bring their valid identity documents and cards to the counter for reactivation before they can be used normally; Generally speaking, a card that has not been used for more than half a year will automatically become a dormant card, which is equivalent to freezing the function of the card.
The account has been suspended from OTC trading. What do you mean?
Your Minsheng account has suspended the non-counter business of personal account:
That is, individual customers are suspended from using mobile banking, personal online banking, POS, ATM and other self-service devices to initiate transactions, and the direct banking account business handled outside the direct selling channel is suspended. The main situation is as follows:
For the newly opened account in our bank, if there is no transaction record within 6 months from the day after opening the account, our bank will suspend its counter business;
2. If the ID card is overdue for more than six months, the non-counter business of the debit account under your name will be suspended.
3. According to the regulatory requirements, if the basic personal information is missing and the type of account opening certificate is invalid, the bank will suspend its non-counter business;
Tips:
If there is no transaction record in the newly opened account in our bank within 6 months from the next day, it can be unlocked through foreign banks and counter outlets. Counter: I need to go to any outlet to re-verify the identity of individual customers with valid identity documents. ※.
Remote Banking: After logging in to mobile banking, select "Remote Banking" in the upper right corner of the homepage, and click "Business Processing-Call Remote Banking Agent" to conduct video processing. The lock type is not supported: non-counter business lock. ※.)
If in doubt, call 95568 for manual service consultation. ※.
What's the matter with the bank card suspending counter transactions?
1. The account has been suspended from OTC trading, which means that the business of bank cards is restricted. You can take your ID card to the counter to lift the restrictions.
There are many reasons for this restriction, for example, the card has not been used for more than half a year, the ID card has recently expired, and the information in the system is incomplete. As long as the cardholder goes to the counter or improves the information on the mobile banking, the restriction will be lifted. In addition, if the cumulative number of days of transfer in different places in the bank accounts of units and individuals exceeds 6,543.8+0,000 yuan and 300,000 yuan respectively, the bank should remind them of large-value transactions, and the units and individuals can make transfers only after confirmation, so as to remind them to identify potential transaction risks and make prudent decisions on large-value fund transfers.
3. Non-over-the-counter transactions refer to transactions that don't go through the counter of the Bank, including business through mobile banking, online banking, ATM machines, POS machines and other channels. Because these businesses do not need to be handled at the counter, they are all non-counter businesses.
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Non-OTC reasons
1. The mobile phone number reserved in the bank card is not for your own use: this is not uncommon. Many bank users like to use their family's mobile phone number as their bank card. Although the mobile phone number is at home, the bank is responsible for verifying the use of the reserved mobile phone number, just in case. In this way, users need to provide proof of kinship with their families to lift the restrictions. 2. The customer's account was detected by the public security organ as an account involved in the case: this kind of account is the most serious illegal use of bank cards. Because it is already a money laundering or financial fraud account recognized by the public security organ, it cannot be cancelled in the bank. Our staff will ask you to consult the relevant judicial authorities to find out the problems in your bank account.
3. No bank card transactions within half a year: some bank users rarely use it after opening accounts in their own banks. Once there is no normal banking transaction for more than six months, banks will also restrict over-the-counter transactions.