diff --git a/dating-agency-mall-server/src/main/java/com/qniao/dam/api/command/paymentchannelorder/user/request/ThirdPartyField.java b/dating-agency-mall-server/src/main/java/com/qniao/dam/api/command/paymentchannelorder/user/request/ThirdPartyField.java
index b99a405..64ec85d 100644
--- a/dating-agency-mall-server/src/main/java/com/qniao/dam/api/command/paymentchannelorder/user/request/ThirdPartyField.java
+++ b/dating-agency-mall-server/src/main/java/com/qniao/dam/api/command/paymentchannelorder/user/request/ThirdPartyField.java
@@ -30,4 +30,6 @@ public class ThirdPartyField {
     public static final String OPEN_ID = "openId";
     public static final String PAYER_CLIENT_IP = "payerClientIp";
     public static final String H5_INFO_TYPE = "h5InfoType";
+
+    public static final String BANK_CARD_ID = "bankCardId";
 }
\ No newline at end of file
diff --git a/dating-agency-mall-server/src/main/java/com/qniao/dam/application/service/withdrawaudit/WithdrawAuditApplicationService.java b/dating-agency-mall-server/src/main/java/com/qniao/dam/application/service/withdrawaudit/WithdrawAuditApplicationService.java
index 2421606..46b75f1 100644
--- a/dating-agency-mall-server/src/main/java/com/qniao/dam/application/service/withdrawaudit/WithdrawAuditApplicationService.java
+++ b/dating-agency-mall-server/src/main/java/com/qniao/dam/application/service/withdrawaudit/WithdrawAuditApplicationService.java
@@ -41,7 +41,7 @@ public class WithdrawAuditApplicationService extends BaseApplicationService {
         Long identityId = Objects.nonNull(withdrawAudit.getWalletAccountOrgId()) ? withdrawAudit.getWalletAccountOrgId() : withdrawAudit.getWalletAccountUserId();
         synchronized (identityId.toString().intern()) {
             WalletAccount walletAccount = walletAccountQueryService.queryByType(identityId, withdrawAudit.getIdentityType());
-            if (Objects.isNull(walletAccount) || withdrawAudit.getWithdrawAmount().compareTo(walletAccount.getAvailableBalance()) > 0) {
+            if (Objects.isNull(walletAccount) || walletAccountQueryService.countAvailableWithdrawBalance(walletAccount).compareTo(withdrawAudit.getWithdrawAmount()) >= 0) {
                 throw new BizException("超出可提现金额");
             }
             //todo 改成策略模式
@@ -52,6 +52,12 @@ public class WithdrawAuditApplicationService extends BaseApplicationService {
                 Map<String, String> extDetails = new HashMap<>();
                 extDetails.put(ThirdPartyField.OPEN_ID, sessionVo.getOpenid());
                 withdrawAudit.setExtDetailsInfo(extDetails);
+            } else {
+                //银行卡
+                String bankCardId = ThirdPartyField.findFiledValueByKey(ThirdPartyField.BANK_CARD_ID, fieldList);
+                Map<String, String> extDetails = new HashMap<>();
+                extDetails.put(ThirdPartyField.BANK_CARD_ID, bankCardId);
+                withdrawAudit.setExtDetailsInfo(extDetails);
             }
             withdrawAudit.setWalletAccountId(walletAccount.getId());
             walletAccount.setAvailableBalance(walletAccount.getAvailableBalance().subtract(withdrawAudit.getWithdrawAmount()));
diff --git a/dating-agency-mall-server/src/main/java/com/qniao/dam/query/walletaccount/WalletAccountQueryService.java b/dating-agency-mall-server/src/main/java/com/qniao/dam/query/walletaccount/WalletAccountQueryService.java
index 9df09a1..bcd7e75 100644
--- a/dating-agency-mall-server/src/main/java/com/qniao/dam/query/walletaccount/WalletAccountQueryService.java
+++ b/dating-agency-mall-server/src/main/java/com/qniao/dam/query/walletaccount/WalletAccountQueryService.java
@@ -8,6 +8,8 @@ import com.qniao.dam.domain.aggregate.walletaccount.entity.WalletAccount;
 import com.qniao.dam.domian.aggregate.walletaccount.constant.IdentityTypeEnum;
 import com.qniao.framework.utils.PageUtil;
 
+import java.math.BigDecimal;
+
 
 public interface WalletAccountQueryService {
     WalletAccount queryByUserId(Long userId);
@@ -17,4 +19,6 @@ public interface WalletAccountQueryService {
     UserGetWalletAccountVo getWalletAccountView(Long userId, Long orgId);
 
     WalletAccount queryByType(Long identityId, IdentityTypeEnum identityTypeEnum);
+
+    BigDecimal countAvailableWithdrawBalance(WalletAccount walletAccount);
 }
diff --git a/dating-agency-mall-server/src/main/java/com/qniao/dam/query/walletaccount/impl/WalletAccountQueryServiceImpl.java b/dating-agency-mall-server/src/main/java/com/qniao/dam/query/walletaccount/impl/WalletAccountQueryServiceImpl.java
index 0006e4a..12cabe3 100644
--- a/dating-agency-mall-server/src/main/java/com/qniao/dam/query/walletaccount/impl/WalletAccountQueryServiceImpl.java
+++ b/dating-agency-mall-server/src/main/java/com/qniao/dam/query/walletaccount/impl/WalletAccountQueryServiceImpl.java
@@ -77,7 +77,7 @@ public class WalletAccountQueryServiceImpl implements WalletAccountQueryService
      * @param walletAccount
      * @return
      */
-    private BigDecimal countAvailableWithdrawBalance(WalletAccount walletAccount) {
+    public BigDecimal countAvailableWithdrawBalance(WalletAccount walletAccount) {
         BigDecimal availableBalance = walletAccount.getAvailableBalance();
         LocalDate date = LocalDate.now();
         int month = 0;