What if the mobile banking account is frozen?

It depends on the reason for being frozen. If I am frozen by mistake, such as entering the wrong password for more than three times in a row, I can take my ID card and bank card to the bank counter to unfreeze it.

If it is a bank account whose arrears are frozen by the judicial authorities, you can apply to the bank for thawing after fulfilling your repayment obligations.

Mobile banking refers to the channel mode in which banks use smart phones as carriers to enable customers to use banking services on the terminal. With the development of communication and Internet technology, the business functions of mobile banking are constantly updated and improved.

Refers to the use of mobile devices such as mobile phones to realize the docking between customers and banks, and to handle related banking business or provide financial services for customers. Mobile banking is both a product and a channel, which belongs to the category of electronic banking.

A brand-new business product that connects customers' mobile phones with banks through mobile communication networks and directly completes various financial services such as account inquiry and transfer through the mobile phone interface.

That is, banks use mobile phones as carriers, rely on mobile GSM wireless networks, use mobile short message resources, and operate bank accounts by sending short messages through mobile phones to realize the functions of "financial management" and "electronic wallet" of mobile phones.

Simply put, mobile banking is the abbreviation of using mobile phones to handle banking-related business, and it is a channel for banks to realize electronization. It is a brand-new service mode that combines electronic money with mobile communication services.

Theoretically, except cash business, the counter business of banks can be moved to mobile banking. The functions of mobile banking are divided into standard functions and extended functions. Inquiry, transfer, remittance, payment and temporary loss reporting are standard functions.

Extended functions are developed on the basis of standard functions, such as fund management, commercial payment, online shopping and so on. The provision of extended functions is inseparable from the support of the bank background. These expansion functions of small and medium-sized banks are generally weak, far behind state-owned banks and national joint-stock commercial banks.

Domestic banks have launched mobile banking services, including large banks such as Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank and Bank of Communications, national joint-stock commercial banks, some urban commercial banks and rural commercial banks, and a few rural cooperative banks, new rural financial institutions and rural credit cooperatives.

The mobile banking of regional banks is basically the mobile banking of online banking. The characteristic mobile banking related to rural finance in China includes cash withdrawal without card, small loans for farmers, address remittance and mobile finance.