diff --git a/bd-business/bd-business-member/src/main/java/com/hzs/member/account/controller/api/ApiCuMemberTransferController.java b/bd-business/bd-business-member/src/main/java/com/hzs/member/account/controller/api/ApiCuMemberTransferController.java
index d89267e3..91e71e9c 100644
--- a/bd-business/bd-business-member/src/main/java/com/hzs/member/account/controller/api/ApiCuMemberTransferController.java
+++ b/bd-business/bd-business-member/src/main/java/com/hzs/member/account/controller/api/ApiCuMemberTransferController.java
@@ -180,7 +180,6 @@ public class ApiCuMemberTransferController extends BaseController {
         return iCuMemberServiceLogService.selectServiceValue(log);
     }
 
-
     /**
      * 用户转账
      *
@@ -338,11 +337,17 @@ public class ApiCuMemberTransferController extends BaseController {
         //转入币种ID（从配置中获取）
         Integer toPkAccount = iAccountServiceApi.getPkAccount(pkAccount).getData();
 
-        CuMemberTransfer cuMemberTransfer = CuMemberTransfer.builder().pkMember(pkMember)
-                .pkAccount(pkAccount).transferCode(code).toPkMember(toPkMember)
-                .pkToAccount(toPkAccount).pkRate(currencyDTO.getPkId())
-                .transferMoney(transferMoney).remarks(cuMemberTransferParam.getRemarks())
-                .serviceCharge(serviceRatio).issuedAmount(issuedAmount)
+        CuMemberTransfer cuMemberTransfer = CuMemberTransfer.builder()
+                .pkMember(pkMember)
+                .pkAccount(pkAccount)
+                .transferCode(code)
+                .toPkMember(toPkMember)
+                .pkToAccount(toPkAccount)
+                .pkRate(currencyDTO.getPkId())
+                .transferMoney(transferMoney)
+                .remarks(cuMemberTransferParam.getRemarks())
+                .serviceCharge(serviceRatio)
+                .issuedAmount(issuedAmount)
                 .build();
         cuMemberTransfer.setPkCountry(pkCountry);
         cuMemberTransfer.setPkCreator(pkMember);
@@ -350,7 +355,6 @@ public class ApiCuMemberTransferController extends BaseController {
         return toAjax(iCuMemberTransferService.saveMemberTransferInfo(cuMemberTransfer, cuMemberAccount, toMemberAccount));
     }
 
-
     /**
      * 判断是否走血缘
      *
diff --git a/bd-business/bd-business-member/src/main/java/com/hzs/member/account/service/ICuMemberTransferService.java b/bd-business/bd-business-member/src/main/java/com/hzs/member/account/service/ICuMemberTransferService.java
index 51f6382b..228fb6f6 100644
--- a/bd-business/bd-business-member/src/main/java/com/hzs/member/account/service/ICuMemberTransferService.java
+++ b/bd-business/bd-business-member/src/main/java/com/hzs/member/account/service/ICuMemberTransferService.java
@@ -72,7 +72,6 @@ public interface ICuMemberTransferService extends IService<CuMemberTransfer> {
      */
     BdTransfer getBdTransfer(Integer pkCountry);
 
-
     /**
      * 保存转账
      *
diff --git a/bd-business/bd-business-member/src/main/java/com/hzs/member/account/service/impl/CuMemberTransferServiceImpl.java b/bd-business/bd-business-member/src/main/java/com/hzs/member/account/service/impl/CuMemberTransferServiceImpl.java
index a59d7df6..f8c6e6ae 100644
--- a/bd-business/bd-business-member/src/main/java/com/hzs/member/account/service/impl/CuMemberTransferServiceImpl.java
+++ b/bd-business/bd-business-member/src/main/java/com/hzs/member/account/service/impl/CuMemberTransferServiceImpl.java
@@ -4,6 +4,7 @@ import cn.hutool.core.collection.CollUtil;
 import com.baomidou.mybatisplus.extension.service.impl.ServiceImpl;
 import com.hzs.common.core.constant.msg.FinanceMsgConstants;
 import com.hzs.common.core.enums.*;
+import com.hzs.common.core.exception.ServiceException;
 import com.hzs.common.core.utils.CommonUtil;
 import com.hzs.common.domain.member.account.CuMemberAccount;
 import com.hzs.common.domain.member.account.CuMemberTrade;
@@ -65,7 +66,6 @@ public class CuMemberTransferServiceImpl extends ServiceImpl<CuMemberTransferMap
         return iTransferServiceApi.queryTransfer(pkCountry).getData();
     }
 
-
     @Override
     public Boolean isBloodKinshipOnUmbrella(Long pkMember, Long toPkMember) {
         //查找血缘伞上，推荐人
@@ -108,9 +108,16 @@ public class CuMemberTransferServiceImpl extends ServiceImpl<CuMemberTransferMap
     @Transactional(rollbackFor = Exception.class)
     @Override
     public Integer saveMemberTransferInfo(CuMemberTransfer cuMemberTransfer, CuMemberAccount cuMemberAccount, CuMemberAccount toMemberAccount) {
-        Integer row = baseMapper.insert(cuMemberTransfer);
-        this.updateTradeAndBalancd(cuMemberTransfer, ETransferType.TRANSFER_OUT.getValue());
-        this.updateTradeAndBalancd(cuMemberTransfer, ETransferType.TRANSFER_IN.getValue());
+        int row = baseMapper.insert(cuMemberTransfer);
+        if (row == 0) {
+            throw new ServiceException("转账失败，请确认后重试");
+        }
+        if (this.updateTradeAndBalancd(cuMemberTransfer, ETransferType.TRANSFER_OUT.getValue()) == 0) {
+            throw new ServiceException("转账失败，请确认后重试");
+        }
+        if (this.updateTradeAndBalancd(cuMemberTransfer, ETransferType.TRANSFER_IN.getValue()) == 0) {
+            throw new ServiceException("转账失败，请确认后重试");
+        }
         ChargingBonusDetail(cuMemberTransfer, cuMemberAccount, toMemberAccount);
         return row;
     }
@@ -160,7 +167,6 @@ public class CuMemberTransferServiceImpl extends ServiceImpl<CuMemberTransferMap
         }
     }
 
-
     /**
      * 更新交易流水和余额
      *
@@ -185,9 +191,13 @@ public class CuMemberTransferServiceImpl extends ServiceImpl<CuMemberTransferMap
         BigDecimal amount = type == (ETransferType.TRANSFER_OUT.getValue()) ? transferMoney.negate() : transferMoney;
         Integer pkAccountValue = iCuMemberBaseService.getAccountValueById(pkAccount);
 
-        CuMemberAccountParam param = CuMemberAccountParam.builder().pkMember(memberId)
-                .accountType(pkAccountValue).amount(amount).pkModified(cuMemberTransfer.getPkCreator())
-                .accountClassify(ETradeClassify.TRANSFER.getValue()).pkCountry(cuMemberTransfer.getPkCountry())
+        CuMemberAccountParam param = CuMemberAccountParam.builder()
+                .pkMember(memberId)
+                .accountType(pkAccountValue)
+                .amount(amount)
+                .pkModified(cuMemberTransfer.getPkCreator())
+                .accountClassify(ETradeClassify.TRANSFER.getValue())
+                .pkCountry(cuMemberTransfer.getPkCountry())
                 .transferType(type).build();
 
         return iCuMemberAccountService.updateMemberAccountByMemberCode(param);
@@ -229,7 +239,6 @@ public class CuMemberTransferServiceImpl extends ServiceImpl<CuMemberTransferMap
         return memberTrade;
     }
 
-
     /**
      * 构造转入方交易明细
      *
@@ -294,7 +303,6 @@ public class CuMemberTransferServiceImpl extends ServiceImpl<CuMemberTransferMap
         return remarks.toString();
     }
 
-
     @Override
     public Object[] selectMemberTransferList(CuMemberTransferVO cuMemberTransferVO) {
         CuMemberTransferVO memberTransferVO;
@@ -311,7 +319,6 @@ public class CuMemberTransferServiceImpl extends ServiceImpl<CuMemberTransferMap
         return new Object[]{cuMemberTransferExts, cuMemberTransferVOS};
     }
 
-
     /**
      * 页面显示公用参数
      *
@@ -347,4 +354,3 @@ public class CuMemberTransferServiceImpl extends ServiceImpl<CuMemberTransferMap
     }
 
 }
-
diff --git a/bd-business/bd-business-member/src/main/java/com/hzs/member/account/service/impl/CuMemberWithdrawServiceImpl.java b/bd-business/bd-business-member/src/main/java/com/hzs/member/account/service/impl/CuMemberWithdrawServiceImpl.java
index 17b94e3f..caff6d41 100644
--- a/bd-business/bd-business-member/src/main/java/com/hzs/member/account/service/impl/CuMemberWithdrawServiceImpl.java
+++ b/bd-business/bd-business-member/src/main/java/com/hzs/member/account/service/impl/CuMemberWithdrawServiceImpl.java
@@ -110,7 +110,9 @@ public class CuMemberWithdrawServiceImpl extends ServiceImpl<CuMemberWithdrawMap
     public Integer saveMemberWithdrawInfo(CuMemberWithdraw cuMemberWithdraw) {
         int row = baseMapper.insert(cuMemberWithdraw);
         if (row != 0) {
-            this.updateTradeAndBalancd(cuMemberWithdraw, EOperationMethod.INSERT);
+            if (this.updateTradeAndBalancd(cuMemberWithdraw, EOperationMethod.INSERT) == 0) {
+                throw new ServiceException("提现失败，请确认后重试");
+            }
         }
         return row;
     }
@@ -130,10 +132,15 @@ public class CuMemberWithdrawServiceImpl extends ServiceImpl<CuMemberWithdrawMap
         //提现金额
         BigDecimal cashAmount = cuMemberWithdraw.getCashAmount();
         BigDecimal amount = eMethodType.equals(EOperationMethod.INSERT) ? cashAmount.negate() : cashAmount;
-        CuMemberAccountParam param = CuMemberAccountParam.builder().pkMember(cuMemberWithdraw.getPkMember())
-                .accountType(accountType).amount(amount).pkModified(cuMemberWithdraw.getPkCreator())
-                .accountClassify(ETradeClassify.WITHDRAWAL.getValue()).pkCountry(cuMemberWithdraw.getPkCountry())
-                .transferType(ETransferType.TRANSFER_IN.getValue()).build();
+        CuMemberAccountParam param = CuMemberAccountParam.builder()
+                .pkMember(cuMemberWithdraw.getPkMember())
+                .accountType(accountType)
+                .amount(amount)
+                .pkModified(cuMemberWithdraw.getPkCreator())
+                .accountClassify(ETradeClassify.WITHDRAWAL.getValue())
+                .pkCountry(cuMemberWithdraw.getPkCountry())
+                .transferType(ETransferType.TRANSFER_IN.getValue())
+                .build();
         return iCuMemberAccountService.updateMemberAccountByMemberCode(param);
     }
 
diff --git a/bd-business/bd-business-member/src/main/resources/mapper/member/account/CuMemberAccountMapper.xml b/bd-business/bd-business-member/src/main/resources/mapper/member/account/CuMemberAccountMapper.xml
index 0a42ce8a..2b227db3 100644
--- a/bd-business/bd-business-member/src/main/resources/mapper/member/account/CuMemberAccountMapper.xml
+++ b/bd-business/bd-business-member/src/main/resources/mapper/member/account/CuMemberAccountMapper.xml
@@ -241,6 +241,9 @@
         <if test="account2 != null">
             and account2 + #{account2} >= 0
         </if>
+        <if test="account4 != null">
+            and account4 + #{account4} >= 0
+        </if>
     </update>
 
     <select id="queryMemberAccountByPkCountry" resultType="com.hzs.common.domain.member.ext.CuMemberAccountExt">
diff --git a/bd-common/bd-common-core/src/main/java/com/hzs/common/core/enums/ETransferType.java b/bd-common/bd-common-core/src/main/java/com/hzs/common/core/enums/ETransferType.java
index da82c1a3..d8618c1b 100644
--- a/bd-common/bd-common-core/src/main/java/com/hzs/common/core/enums/ETransferType.java
+++ b/bd-common/bd-common-core/src/main/java/com/hzs/common/core/enums/ETransferType.java
@@ -4,11 +4,7 @@ import lombok.AllArgsConstructor;
 import lombok.Getter;
 
 /**
- * @Description: 转账类型
- * @Author: ljc
- * @Time: 2022/9/26 10:33
- * @Classname: ETransferType
- * @Package_name: com.hzs.common.core.enums
+ * 转账类型
  */
 @AllArgsConstructor
 @Getter