1. According to Article 16 of the Anti-Money Laundering Law of People's Republic of China (PRC) and Article 19 of the Measures for the Administration of Customer Identification, Customer Identity Information and Transaction Records of Financial Institutions, the provision of financial services is suspended for accounts in the name of customers whose identity information is incomplete or untrue.

2. If the identity information reserved in the bank is not updated in time, bank account transactions will be restricted in the following areas: mobile banking, online banking, intelligent terminals, ATM, counter business, POS credit card consumption, wealth management purchase, transfer and remittance, etc. In addition, lending transactions will also be controlled, except for large-scale transactions.

3. The ID card has expired. The following methods can update the user's bank personal information.

(1) Self-service through mobile banking can be updated in real time. Specifically, click "My-Settings-Certificate Validity Maintenance", and then upload a new ID card for verification.

(2) Go to offline outlets and operate through an intelligent teller machine. Put the valid ID card on the intelligent teller machine for business, and the teller machine will identify, read and update the second-generation ID card information.

(3) Off-line pager is used. Take a new ID card to the bank outlet, swipe the ID card on the queuing machine to get the number, and the machine can automatically update the ID card information.

(4) Through the counter of offline outlets, the teller is prompted to update the demand, which can also be updated in real time.

(5) If you are applying for a new identity document, or for other reasons, you can't provide documents within the validity period, you can also apply for a grace period at any branch of the bank with your existing documents or your bank card.

Extended data:

If the identity certificate or identity certificate previously submitted by the customer has expired, and the customer fails to update it within a reasonable period of time without giving a reasonable reason, the financial institution shall stop handling business for the customer.

A number of banks have issued relevant announcements to suspend the counter business of individual customers with expired ID cards. Non-counter services refer to transactions handled through online banking, mobile banking, POS, ATM, VTM and other self-service channels. If you use ATM to withdraw money or POS to spend money in supermarkets, you will be restricted.

In addition, a number of banks said that the bank card function of customers with expired ID cards will be restricted, and they can only enter and leave. You must go to the bank to update your information after changing your ID card. If the ID card has expired, although the bank card will not be "frozen", all the business that needs to be handled with the ID card cannot be carried out normally.

Phoenix. Com- What about the bank account with expired ID card?