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.