According to laws, administrative regulations and other relevant provisions, only the judicial organs (public security, procuratorial, legal), customs, taxation and other departments have the right to inquire, freeze and deduct customer deposits. As a service department, banks have no right to freeze bank accounts, even those involving money laundering. Banks (financial institutions) shall assist and cooperate with judicial organs and administrative law enforcement organs in cracking down on money laundering activities according to law. So you'd better contact them first and make things clear before we talk. The Commercial Bank Law clearly stipulates the protection of the legitimate rights and interests of depositors.

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The reason why the bank card is frozen

1. The bank card is a credit card. If it is frozen, it may be that the credit card has abnormal transactions, such as malicious cash withdrawal, information forgery, and continuous password error, and the bank card may be frozen by the bank.

2. For overdrawn bank cards, the bank will set the overdraft limit according to the actual repayment ability. If the overdraft exceeds the share, the bank will immediately freeze your bank card.

3. The bank card is a debit card. If it is frozen, one is wrong account freezing, that is, the bank mistakenly gives more money to the depositor's account during the transaction, and the bank may freeze the extra part. The first is the judicial freeze. According to the relevant provisions of the law, the judicial organ may apply to the bank for freezing the bank card because of the need of handling the case. At the same time, customs, tax authorities and other departments also have the right to freeze.

4. No matter what kind of bank card, if the password is entered incorrectly for three consecutive times, the banking system will automatically lock the bank card password, which is similar to freezing, but not freezing. It will be released automatically after 24 hours.

If you don't apply for a new card after your bank card expires, the bank will freeze your expired bank card after it expires.

6. If the bank card reports the loss for many times, it will be frozen by the bank on suspicion of malicious loss reporting.

When can I freeze?

1. Transferring or concealing illegal funds, securities and other property involved; Second, it is possible to transfer or conceal illegal funds, securities and other property involved; 3. Important evidence is concealed, forged or destroyed; Four, may conceal, forge or destroy important evidence; Five, other circumstances that need to be frozen and sealed up in time.

Bank card freezing actually refers to asset freezing, that is, no one may misappropriate funds and be temporarily controlled. The police usually freeze the assets of units, companies or individuals to assist the police in handling cases. Under special circumstances, enterprises and institutions that steal bank cards also require banks to freeze funds to ensure property safety.