The account has been suspended from over-the-counter trading, which means that the business of bank cards is restricted. All I have to do is take my ID card to the counter to lift the restrictions. For accounts that have no transaction records within 6 months from the date of opening an account, the bank will suspend the counter business and the payment institution will suspend all business until the units and individuals re-verify their identities with the banks and payment institutions.

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. Mobile banking, also known as mobile banking, refers to the use of mobile phones, PADs and other mobile devices 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.

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. Mobile banking can truly provide customers with "3A" services that transcend time and space, and more personalized and safer services. It is believed that with the development of mobile communication technology, the intelligentization of mobile terminal equipment and the popularization of charges, it will inevitably catalyze the expansion of high-speed Internet users of mobile phones and bring great opportunities for the development of mobile banking that has been lurking for a long time. According to the latest statistics of iResearch, in 20 14 years, the number of users in cmnet was 570 million, and the transaction scale in China mobile shopping market was 9297. 1 100 million yuan. If mobile banking can be organically combined with the existing service channels of banks, give full play to the advantages of wireless Internet and mobile phones as intelligent terminals, and develop unique products or services (such as customized services), mobile banking will be able to play a greater role.