Non-counter limit refers to the amount limit of customers' transactions in online banking, ATM, etc., which do not belong to the service desk of the business hall. If customers don't want to be controlled by the bank's business volume, they can lift the restrictions at the service desk with their ID cards. There are many reasons for this restriction, such as the bank card has not been used for more than 6 months, the ID card has recently expired, and the information content in the system software is incomplete. Cardholders need to go to the bank service desk or improve their personal information on mobile banking, and wait for the bank to lift the restrictions.

Non-over-the-counter transactions refer to transactions that do not go through the bank counter, including those through mobile banking, online banking, ATM machines, POS machines and other channels. Because these businesses do not need to be handled at the counter, they are all non-counter businesses. According to document No.261of the People's Bank of China, the bank will suspend its counter business for accounts with no transaction record within 6 months from the date of opening an account, and resume business after re-verifying the identity.

Non-over-the-counter transactions of bank cards are not easy to cancel once they are suspended. In this case, the cardholder needs to bring his ID card and bank card to the bank service desk to cancel the account. The details are subject to the regulations of the bank. Bank non-counter business refers to the business that the bank service desk has not applied for. For example, online banking and ATM transactions are off-counter transactions. Cardholders should note that if the bank card is not used for a long time, the non-counter business will be suspended.

Bank card refers to a credit payment tool issued by commercial banks (including postal financial institutions) with all or part of the functions of consumer credit, transfer settlement, cash deposit and withdrawal, etc. Bank card reduces the circulation of cash and checks, which makes the banking business break through the limitation of time and space and undergo fundamental changes. The application of bank card automatic settlement system makes the dream of "no cheque, no cash society" come true.

Debit cards are divided into transfer cards, special cards and stored value cards according to different functions. Debit cards cannot be overdrawn. The transfer card has the functions of transfer, cash deposit and withdrawal and consumption. Special card is a special-purpose debit card used in a specific area (except for department stores, restaurants and entertainment industries). It has the functions of transferring money and depositing and withdrawing cash. Stored value card is a prepaid wallet debit card in which the bank transfers funds to the card for storage according to the cardholder's requirements, and directly deducts money from the card during the transaction.