Risk investigation, a large number of personal bank accounts have been frozen

After banks cleared out dormant bank accounts, there is now another wave of bank card freezes.

As banks continue to strengthen their management of bank cards, more and more personal bank accounts are subject to functional restrictions. Once frozen, they cannot be used normally and need to be unlocked at a bank branch before they can be restored.

This freeze is mainly due to the fact that the public security department has recently conducted relevant risk inspections and required banking institutions to conduct inspections on each account. Once the bank identifies a financial risk, it will freeze personal bank accounts.

Those who are frozen will receive a text message reminder from the bank. The content of the text message roughly states that the external transfer function of the user's bank card has been restricted, but the specific reason is not mentioned in the text message. A simple notification.

For frozen personal bank accounts, there are mainly two types of bank cards. One is a bank card that has no transaction record for a long time or has a low transaction amount. The other is a bank card with frequent transfers or large transactions. Frequent bank cards and these two types of personal bank accounts will be judged as risky by the banking system.

To unlock a frozen bank card, you need to bring your ID card and bank card to the bank counter to handle it manually. The materials required by each bank may be slightly different. Some banks are stricter and require user social security. The auxiliary materials such as card, residential address, and employment certificate are very similar to the process of re-opening an account, and unlocking will also take some time.

According to user feedback, even if the unlocking is successful, some bank cards will be downgraded to Class II cards, with a daily transaction limit of 5,000 yuan. Bank staff Yuan said that if the red line of the transaction limit is often exceeded, there will be There is a possibility of being frozen again.

However, banks are not one-size-fits-all. If the fund transaction amount is large and the transfer basis can be provided, the bank will safely restore the account function after confirming the authenticity of the transaction. The situation after unfreezing will be based on the user's daily usage. Sure.

Many banks freeze users’ bank cards in order to cooperate with the public security organs in carrying out the “card disconnection” operation and strengthen risk prevention. Although it brings some trouble to users, on the whole, it is still beneficial to users. of.