diff --git a/src/main/java/com/yn/bftl/thirdparty/modules/chinaums/service/impl/BankCardServiceImpl.java b/src/main/java/com/yn/bftl/thirdparty/modules/chinaums/service/impl/BankCardServiceImpl.java
index c779407..eb1b040 100644
--- a/src/main/java/com/yn/bftl/thirdparty/modules/chinaums/service/impl/BankCardServiceImpl.java
+++ b/src/main/java/com/yn/bftl/thirdparty/modules/chinaums/service/impl/BankCardServiceImpl.java
@@ -10,6 +10,7 @@
 import com.yn.bftl.common.modules.company.entity.ChinaumsAuthInfo;
 import com.yn.bftl.common.modules.company.entity.ChinaumsBankCard;
 import com.yn.bftl.common.modules.company.entity.Company;
+import com.yn.bftl.common.modules.company.enums.ApplicationStatus;
 import com.yn.bftl.common.modules.company.enums.ChinaumsBankCardStatus;
 import com.yn.bftl.thirdparty.common.constants.Constant;
 import com.yn.bftl.thirdparty.common.service.ByxTradeWayService;
@@ -144,7 +145,7 @@
         if (CollectionUtils.isNotEmpty(chinaumsAuthInfo.getChinaumsBankCard()) && chinaumsAuthInfo.getChinaumsBankCard().size() >= 10) {
             throw new YnceErrorException(YnceError.YNCE_218027);
         }
-        if (ObjectUtil.isEmpty(chinaumsAuthInfo.getSettleAcctBankName())) {
+        if (!ObjectUtil.equals(ApplicationStatus.REGISTER_SUCCESS,chinaumsAuthInfo.getApplicationStatus())) {
             throw new YnceErrorException(YnceError.YNCE_201044);
         }