diff --git a/application/api/model/UserData.php b/application/api/model/UserData.php
index bc9e83cc..99bc3294 100644
--- a/application/api/model/UserData.php
+++ b/application/api/model/UserData.php
@@ -573,6 +573,18 @@ class UserData extends Model
         }
 
         if($type == 3){
+            if(!$bank_card_number){
+                return ['code' => 0, 'msg' => '银行卡号不能为空','data' =>null];
+            }
+            if(!$bank_user_name){
+                return ['code' => 0, 'msg' => '开户人姓名不能为空','data' =>null];
+            }
+            if(!$bank_card){
+                return ['code' => 0, 'msg' => '所属银行不能为空','data' =>null];
+            }
+            if(!$open_bank){
+                return ['code' => 0, 'msg' => '开户行地址不能为空','data' =>null];
+            }
             $data = [
                 'bank_card_number' => $bank_card_number,
                 'bank_user_name' => $bank_user_name,