What's wrong with personal accounts running too fast?

Too many personal accounts will definitely attract the attention of relevant departments. As long as the bank is legal, you don't have to be careful. Excessive bank flow is easy to attract the attention of the regulatory authorities and will be considered suspected of money laundering. But if the income transferred by users is legal, don't worry, this is the normal operation of banks, because the frequent transfer of personal bank card transfers is normal for many large online shop sellers. If the user's transfer income is illegal, then if the monitored department finds the relevant data, there will be law enforcement departments to ask about the situation.

If the bank's flow is too large, it is best to provide the basis for transfer payment, such as trade contracts and invoices, and appeal to the bank. If the bank accepts and verifies that it does not meet the anti-money laundering determination, it can be adjusted to normal according to regulations. Generally, banks will not change the status of customers' cards to abnormal status casually. Usually, they will only do this if they have more conclusive evidence. At this time, the account will not be frozen, but they can't use online banking, mobile banking and other off-counter transactions, only go to the counter. If the money is legal, the transfer operation is in compliance, and the bank makes a mistake in judgment, it is only necessary to bring trade contracts, invoices and other supporting documents to the bank to make a complaint, which can generally be restored.

Usually, the anti-money laundering post of the bank will report suspicious transactions to the People's Bank of China, and the People's Bank of China will further cross-check the source and flow of your funds, and then comprehensively consider whether to conduct a money laundering investigation. Suspicious transaction is simply that the transaction behavior does not match the identity. For example, the personal information kept in the bank is employees, and the inflow of funds in that month is much higher than your salary level. In other words, as long as you can prove that the bank card is your own and go to the bank with your documents, you can easily return to normal. Except, of course, those frozen by judicial organs. As for the abnormal transaction, as long as there are corresponding supporting materials, you can explain the situation to the bank.

Bank flow refers to the deposit and withdrawal transaction records of bank current accounts (including current passbook and bank card). According to the nature of the account, it is divided into personal running water and enterprise running water. Bank running water is a kind of proof material to prove the income of individuals or companies, and it is also a necessary material to apply for loans from banks.