近来银行卡限制非柜功能或者被司法冻结的事件越来越多，简单说一下他们的区别，大家自行参考。非柜不是冻结，就是银行风控认为你账户交易风险大，不让你使用手机银行的功能了，你可以去柜台取现，但是冻结就是另一回事了，冻结是指司法冻结，是警察或者经侦来冻结的，冻结后柜台也不能取现，必须等解冻后才能取现或者使用手机转账，冻结时间一般三天自动解冻，遇到严重的案子可能会半年，甚至更长，这个可以到银行柜台查询。限制非柜并不可怕，钱还是可以取出来的，就怕遇到严重的司法冻结，资金可能会长时间不能用，那就糟糕了。
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