diff --git a/jsowell-pile/src/main/java/com/jsowell/adapay/service/AdapayMemberService.java b/jsowell-pile/src/main/java/com/jsowell/adapay/service/AdapayMemberService.java
index 96c0eba91..1e56fce5a 100644
--- a/jsowell-pile/src/main/java/com/jsowell/adapay/service/AdapayMemberService.java
+++ b/jsowell-pile/src/main/java/com/jsowell/adapay/service/AdapayMemberService.java
@@ -73,13 +73,17 @@ public class AdapayMemberService {
         // 银行卡对应的户名
         accountInfo.put("card_name", dto.getCardName());
         // 证件号，银行账户类型为对私时，必填
-        accountInfo.put("cert_id", dto.getCertId());
+        if (StringUtils.isNotBlank(dto.getCertId())) {
+            accountInfo.put("cert_id", dto.getCertId());
+        }
         // 证件类型，仅支持：00-身份证，银行账户类型为对私时，必填
         accountInfo.put("cert_type", "00");
         // 手机号
         accountInfo.put("tel_no", dto.getTelNo());
         // 银行编码，详见附录 银行代码，银行账户类型对公时，必填
-        accountInfo.put("bank_code", dto.getBankCode());
+        if (StringUtils.isNotBlank(dto.getBankCode())) {
+            accountInfo.put("bank_code", dto.getBankCode());
+        }
         // 银行账户类型：1-对公；2-对私
         accountInfo.put("bank_acct_type", dto.getBankAcctType());
         // 银行账户开户银行所在省份编码 （省市编码），银行账户类型为对公时，必填