diff --git a/pluss-service-bundle/src/main/java/cn/pluss/platform/common/impl/AliyunServiceImpl.java b/pluss-service-bundle/src/main/java/cn/pluss/platform/common/impl/AliyunServiceImpl.java
index cf41c35..8a0a4ea 100644
--- a/pluss-service-bundle/src/main/java/cn/pluss/platform/common/impl/AliyunServiceImpl.java
+++ b/pluss-service-bundle/src/main/java/cn/pluss/platform/common/impl/AliyunServiceImpl.java
@@ -282,9 +282,14 @@ public class AliyunServiceImpl implements AliyunService {
             throw new MsgException("银行卡认证失败");
         }
 
-        if (!"200".equals(verifyBankElementResponse.getBody().getCode())) {
-            if ("403".equals(verifyBankElementResponse.getBody().getCode())) {
+        if ("403".equals(verifyBankElementResponse.getBody().getCode())){
+            throw new MsgException("24小时内重复查询相同信息超过10次，已锁定，请在12小时后重试。");
+        }
+        if (!"200".equals(verifyBankElementResponse.getBody().getResultObject().getSubCode())) {
+            if ("403".equals(verifyBankElementResponse.getBody().getResultObject().getSubCode())) {
                 throw new MsgException("银行卡认证接口已欠费，请联系平台");
+            }else if ("201".equals(verifyBankElementResponse.getBody().getResultObject().getSubCode())){
+                throw new MsgException("用户的身份信息不匹配");
             } else {
                 throw new MsgException("银行卡认证失败");
             }
diff --git a/pluss-service-bundle/src/main/java/cn/pluss/platform/merchant/impl/account/AccountServiceImpl.java b/pluss-service-bundle/src/main/java/cn/pluss/platform/merchant/impl/account/AccountServiceImpl.java
index df42ed7..2ab4b66 100644
--- a/pluss-service-bundle/src/main/java/cn/pluss/platform/merchant/impl/account/AccountServiceImpl.java
+++ b/pluss-service-bundle/src/main/java/cn/pluss/platform/merchant/impl/account/AccountServiceImpl.java
@@ -379,12 +379,12 @@ public class AccountServiceImpl extends ServiceImpl<AccountMapper, Account> impl
 
         boolean settleTypeFlag = Account.SETTLE_TYPE_CORPORATE.equals(accountDTO.getSettleType());
         //TODO 测试时先注掉
-//        if (checkFlag && !(settleTypeFlag)) {
-//            // 执行银行卡四要素校验
-//            aliyunService.checkBankCorrectNow(accountDTO.getBankCard().getPhone(), accountDTO.getBankCard().getBankCardNo()
-//                    , accountDTO.getIdcard().getCertNo()
-//                    , accountDTO.getBankCard().getBankHolder(), "结算人与结算银行卡不匹配，请核对结算信息");
-//        }
+        if (checkFlag && !(settleTypeFlag)) {
+            // 执行银行卡四要素校验
+            aliyunService.checkBankCorrectNow(accountDTO.getBankCard().getPhone(), accountDTO.getBankCard().getBankCardNo()
+                    , accountDTO.getIdcard().getCertNo()
+                    , accountDTO.getBankCard().getBankHolder(), "结算人与结算银行卡不匹配，请核对结算信息");
+        }
 
         bankCardService.save(accountDTO.getBankCard());
         account.setBankCardId(accountDTO.getBankCard().getId() + "");