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 2ab4b66..081a241 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() + "");
@@ -1196,7 +1196,7 @@ public class AccountServiceImpl extends ServiceImpl<AccountMapper, Account> impl
     @Override
     @Transactional(rollbackFor = Exception.class)
     public void bankcardAudit(BankInfoDTO bankInfoDTO) {
-        if (bankInfoDTO.getPhone().length() > 11) {
+        if (bankInfoDTO.getPhone().length() > 11 || bankInfoDTO.getPhone().isEmpty()) {
             throw new MsgException("手机号格式不正确");
         }