When transferring money through personal online banking, "the account balance is less than 4 10 1", which may be caused by the following circumstances: 1. It is caused by the adverse selection of transfer-in account and transfer-out account; 2. If the transfer-out card is a credit card, this card may have been paid by installment or pre-authorization, and your balance minus the accumulated installment or pre-authorization amount is the payable amount; 3. Part of the balance is frozen due to transactions such as gold entrustment in the account and purchase of wealth management products, resulting in insufficient available balance.