When handling online banking remittances, if you encounter the prompt "4101, Insufficient account balance", it is usually due to the following reasons: 1. The location of the transfer account is reversed; 2. The transfer account has gold. Entrusting, purchasing financial products and other businesses, part of the balance is frozen; 3. If the transfer-out account is a credit card, after installment payment or pre-authorization is processed, the available balance is insufficient.