diff --git a/ghy-admin/src/main/java/com/ghy/web/controller/customer/CustomerBankController.java b/ghy-admin/src/main/java/com/ghy/web/controller/customer/CustomerBankController.java
index 16093567..c74bc76c 100644
--- a/ghy-admin/src/main/java/com/ghy/web/controller/customer/CustomerBankController.java
+++ b/ghy-admin/src/main/java/com/ghy/web/controller/customer/CustomerBankController.java
@@ -3,6 +3,7 @@ package com.ghy.web.controller.customer;
 import com.alibaba.fastjson.JSON;
 import com.ghy.common.adapay.AdapayConfig;
 import com.ghy.common.adapay.AdapayService;
+import com.ghy.common.adapay.MemberType;
 import com.ghy.common.adapay.model.AdapayStatusEnum;
 import com.ghy.common.adapay.model.Merchant;
 import com.ghy.common.core.domain.AjaxResult;
@@ -40,7 +41,7 @@ public class CustomerBankController {
     private AjaxResult bindBankCard(BindBankCardRequest request) throws BaseAdaPayException {
         Set<Merchant> merchants = AdapayConfig.getMerchants();
         for (Merchant merchant : merchants) {
-            String memberId = AdapayUtils.getMemberId(request.getCustomerId(), merchant.getDeptId());
+            String memberId = AdapayUtils.getMemberId(request.getCustomerId(), merchant.getDeptId(), MemberType.CUSTOMER);
             // 先在Adapay创建实名用户
             Map<String, Object> result1 = adapayService.createMember(merchant.getDeptId(), memberId, request.getPhone(),
                     request.getName(), request.getCertId(), null, null, null, null);
diff --git a/ghy-common/src/main/java/com/ghy/common/adapay/MemberType.java b/ghy-common/src/main/java/com/ghy/common/adapay/MemberType.java
new file mode 100644
index 00000000..d264eafd
--- /dev/null
+++ b/ghy-common/src/main/java/com/ghy/common/adapay/MemberType.java
@@ -0,0 +1,12 @@
+package com.ghy.common.adapay;
+
+public enum MemberType {
+    WORKER("WK"),
+    CUSTOMER("CS");
+
+    public final String code;
+
+    MemberType(String code) {
+        this.code = code;
+    }
+}
diff --git a/ghy-common/src/main/java/com/ghy/common/utils/AdapayUtils.java b/ghy-common/src/main/java/com/ghy/common/utils/AdapayUtils.java
index 374534c9..1961759c 100644
--- a/ghy-common/src/main/java/com/ghy/common/utils/AdapayUtils.java
+++ b/ghy-common/src/main/java/com/ghy/common/utils/AdapayUtils.java
@@ -1,5 +1,6 @@
 package com.ghy.common.utils;
 
+import com.ghy.common.adapay.MemberType;
 import lombok.extern.slf4j.Slf4j;
 import org.springframework.util.Assert;
 
@@ -9,8 +10,19 @@ import org.springframework.util.Assert;
 @Slf4j
 public class AdapayUtils {
 
-    public static String getMemberId(Long memberId, Long deptId) {
-        Assert.isTrue(Math.min(memberId, deptId) > 0, "Invalid [memberId] or [deptId]");
-        return String.format("C%dD%d", memberId, deptId);
+    /**
+     * 生成 Adapay member_id
+     *
+     * @param userId 用户ID
+     *               当type=WORKER时用worker_id
+     *               当type=CUSTOMER时用customer_id
+     * @param deptId 所属公司
+     * @param type   用户类型
+     * @return member_id
+     */
+    public static String getMemberId(Long userId, Long deptId, MemberType type) {
+        Assert.isTrue(Math.min(userId, deptId) > 0, "Invalid [userId] or [deptId]");
+        return String.format("%sU%dD%d", type.code, userId, deptId);
     }
+
 }
diff --git a/ghy-custom/src/main/java/com/ghy/customer/service/impl/CustomerBankServiceImpl.java b/ghy-custom/src/main/java/com/ghy/customer/service/impl/CustomerBankServiceImpl.java
index ea4f5203..f8a44707 100644
--- a/ghy-custom/src/main/java/com/ghy/customer/service/impl/CustomerBankServiceImpl.java
+++ b/ghy-custom/src/main/java/com/ghy/customer/service/impl/CustomerBankServiceImpl.java
@@ -1,5 +1,6 @@
 package com.ghy.customer.service.impl;
 
+import com.ghy.common.adapay.MemberType;
 import com.ghy.common.utils.AdapayUtils;
 import com.ghy.customer.domain.CustomerBank;
 import com.ghy.customer.mapper.CustomerBankMapper;
@@ -45,7 +46,7 @@ public class CustomerBankServiceImpl implements CustomerBankService {
 
     @Override
     public int insertCustomerBank(CustomerBank customerBank) {
-        customerBank.setAdapayMemberId(AdapayUtils.getMemberId(customerBank.getCustomerId(), customerBank.getDeptId()));
+        customerBank.setAdapayMemberId(AdapayUtils.getMemberId(customerBank.getCustomerId(), customerBank.getDeptId(), MemberType.CUSTOMER));
         return customerBankMapper.insertCustomerBank(customerBank);
     }