Why can't I withdraw money from my bank card? Why is there bank risk control? How to resolve non-counter issues?

When you receive that SMS from the bank saying "non-counter business restrictions," it's common to feel a buzz in your head. Don't rush to the counter to argue, and don't be intimidated by the bank teller's comment about "getting a stamp from the anti-fraud center."

Non-counter risk control, in simple terms, means that the bank's anti-money laundering algorithm has flagged you. With billions of transactions happening daily in the country, the algorithm acts like a huge sieve, and unfortunately, you got caught in the mesh. It's not that the police are after you; it's that big data thinks you "look like" a bad person.

Why did the algorithm pick you? The bank's logic is quite rigid. If you receive dozens of remittances from all over the country daily and then immediately transfer a large sum out, that's called "dispersed inflow, concentrated outflow." Or if you receive a large amount of money and distribute it to dozens of people within minutes, that's "concentrated inflow, dispersed outflow." Or if you always send a small test amount of 1 yuan before each transaction to check if your card is still active, this "small amount testing" is seen by the system as a standard precursor to money laundering.

Not to mention those involved in online gambling or trading virtual currencies; as long as one of your transaction counterparts is involved in a case, the system will issue a reverse alert.

Regaining control: Choose one of two solutions. As long as you haven't actually committed any serious crimes or helped with telecom fraud, lifting the risk control is just a matter of following the process.

If you no longer want to use this card, the logic is simple to the point of being blunt: Stand tall and tell the bank that your money is legally obtained, and now you want to close the account and withdraw the funds. The bank is a commercial institution; it can restrict your ability to transfer via the app, but it has no right to illegally withhold your personal property, let alone prevent you from withdrawing your money. Don't be timid; your confidence is backed by solid evidence of the bank's illegal operations.

If you want to keep this card, you have to play a game with the bank to "prove I'm a good person."

Staff face hundreds of people daily; you can talk until your mouth is dry, and they will forget as soon as you turn away. The most effective weapon is written documentation. You need to prepare a detailed statement explaining that you are a legitimate businessman and clearly outline the flow of your funds.

Don't lie; the backend data is more honest than you. Don't get caught in the "passing the buck" trap: the correct way to approach the anti-fraud center. The most frustrating thing is when the bank manager puts on airs and tells you to go get a stamp from the anti-fraud center yourself.

If you foolishly run over there, you probably won't even get through the door. The anti-fraud center does not handle private business at all.

Remember, the "Fraud Risk Account Review Form" is a mandatory document that the bank must provide. This form is not for you to run around with; it must be submitted by the bank's staff who are in contact with the anti-fraud center, in a public-to-public manner, or they should take you there themselves.

Next, the police will check the transaction history, take notes, and rule out any suspicions. Only when that form is stamped with the anti-fraud center's red seal will the bank dare to lift the restrictions.

Logical trap: The sequence of identity and account. Many people stumble here. The card is unfrozen, the non-counter issue is resolved, but the account is still frozen, and a new card cannot be opened.

You need to see the essence of the matter. Non-counter restrictions are only aimed at the "account," but the root of your being blocked often lies in your "identity."

If you have been labeled as a "dual card holder" or "high-risk related to a case" in the system, trying to apply for the lifting of account control first is putting the cart before the horse.

The correct sequence is: first, lift your identity label, prove that you have no personal issues, and then deal with the account restrictions. If the identity control is not lifted, it doesn't matter how many cards you unfreeze.

What you did was try to solve the account issue first, but you didn't resolve the identity control issue, so your account still cannot be used, and you can't open a new account. Do you understand the logic here?

Therefore, submitting the risk review form must be done after you have lifted the dual card holder identity label.

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