diff --git a/api/service/userDoctor.go b/api/service/userDoctor.go
index 03885c0..dfc5734 100644
--- a/api/service/userDoctor.go
+++ b/api/service/userDoctor.go
@@ -490,13 +490,15 @@ func (r *UserDoctorService) PutUserDoctor(doctorId int64, req requests.PutUserDo
 		}
 
 		// 检测银行卡号
-		res, err := verifyDun.CheckBankCard(userDoctorInfo.CardName, req.BankCardCode, userDoctorInfo.CardNum)
-		if err != nil {
-			return false, errors.New(err.Error())
-		}
+		if config.C.Env == "prod" {
+			res, err := verifyDun.CheckBankCard(userDoctorInfo.CardName, req.BankCardCode, userDoctorInfo.CardNum)
+			if err != nil {
+				return false, errors.New(err.Error())
+			}
 
-		if !res {
-			return false, errors.New("银行卡三要素检测失败")
+			if !res {
+				return false, errors.New("银行卡三要素检测失败")
+			}
 		}
 
 		// 获取银行卡号的前4位和后4位
@@ -937,13 +939,15 @@ func (r *UserDoctorService) AddUserDoctor(userId string, req requests.AddUserDoc
 		}
 
 		// 检测银行卡号
-		res, err := verifyDun.CheckBankCard(req.CardName, req.BankCardCode, req.CardNum)
-		if err != nil {
-			return false, errors.New(err.Error())
-		}
+		if config.C.Env == "prod" {
+			res, err := verifyDun.CheckBankCard(req.CardName, req.BankCardCode, req.CardNum)
+			if err != nil {
+				return false, errors.New(err.Error())
+			}
 
-		if !res {
-			return false, errors.New("银行卡三要素检测失败")
+			if !res {
+				return false, errors.New("银行卡三要素检测失败")
+			}
 		}
 
 		// 获取银行卡号的前4位和后4位