diff --git a/src/main/java/com/sopterm/makeawish/controller/UserController.java b/src/main/java/com/sopterm/makeawish/controller/UserController.java
index 89d6bbf..66e2225 100644
--- a/src/main/java/com/sopterm/makeawish/controller/UserController.java
+++ b/src/main/java/com/sopterm/makeawish/controller/UserController.java
@@ -16,7 +16,6 @@
 import org.springframework.security.core.annotation.AuthenticationPrincipal;
 import org.springframework.web.bind.annotation.*;
 
-import static com.sopterm.makeawish.common.message.ErrorMessage.NOT_VALID_USER_ACCOUNT;
 import static com.sopterm.makeawish.common.message.ErrorMessage.NO_EXIST_USER_ACCOUNT;
 import static com.sopterm.makeawish.common.message.SuccessMessage.*;
 import static java.util.Objects.nonNull;
@@ -30,7 +29,7 @@ public class UserController {
 
     private final UserService userService;
     private final AbuseService abuseService;
-    private static final int VERIFY_ACCOUNT_SUCCESS = 0;
+    private static final String VERIFY_ACCOUNT_SUCCESS = "100";
 
     @Operation(summary = "유저 계좌 정보 가져오기")
     @GetMapping("/account")
@@ -69,9 +68,9 @@ public ResponseEntity<ApiResponse> checkAccountInformation(
             @Parameter(hidden = true) @AuthenticationPrincipal InternalMemberDetails memberDetails,
             @RequestBody UserAccountVerifyRequestDTO verifyRequestDTO) throws Exception {
         val response = userService.verifyUserAccount(memberDetails.getId(), verifyRequestDTO);
-        return response == VERIFY_ACCOUNT_SUCCESS
+        return response.getResult().equals(VERIFY_ACCOUNT_SUCCESS)
                 ? ResponseEntity.ok(ApiResponse.success(SUCCESS_VERIFY_USER_ACCOUNT.getMessage()))
-                : ResponseEntity.ok(ApiResponse.fail(NOT_VALID_USER_ACCOUNT.getMessage(), response));
+                : ResponseEntity.ok(ApiResponse.fail(response.getResultMessage()));
     }
 
     @Operation(summary = "어뷰징 유저 확인")
diff --git a/src/main/java/com/sopterm/makeawish/service/UserService.java b/src/main/java/com/sopterm/makeawish/service/UserService.java
index f8c12f2..7b64698 100644
--- a/src/main/java/com/sopterm/makeawish/service/UserService.java
+++ b/src/main/java/com/sopterm/makeawish/service/UserService.java
@@ -1,5 +1,6 @@
 package com.sopterm.makeawish.service;
 
+import com.popbill.api.AccountCheckInfo;
 import com.popbill.api.AccountCheckService;
 import com.popbill.api.PopbillException;
 import com.sopterm.makeawish.domain.abuse.AbuseLog;
@@ -18,6 +19,8 @@
 import org.springframework.stereotype.Service;
 import org.springframework.transaction.annotation.Transactional;
 
+import java.util.List;
+
 import static com.sopterm.makeawish.common.message.ErrorMessage.INVALID_USER;
 import static com.sopterm.makeawish.common.message.ErrorMessage.NO_EXIST_USER_ACCOUNT;
 import static java.util.Objects.isNull;
@@ -36,7 +39,7 @@ public class UserService {
 
     @Value("${popbill.businessNumber}")
     private String corpNum;
-    private static final int ABUSE_CAUTION_COUNT = 4;
+    private static final List<String> USER_FAIL_CODE = List.of("300", "301", "400", "801", "898", "899");
 
     public UserAccountResponseDTO getUserAccount(Long userId) {
         val wisher = getUser(userId);
@@ -69,21 +72,19 @@ private User getUser(Long userId) {
     }
 
     @Transactional
-    public Integer verifyUserAccount(Long userId, UserAccountVerifyRequestDTO verifyRequestDTO) throws PopbillException {
+    public AccountCheckInfo verifyUserAccount(Long userId, UserAccountVerifyRequestDTO verifyRequestDTO) throws PopbillException {
         abuseService.checkAbuseUser(userId);
-        var response = 0;
-        try {
-            val accountInfo = accountCheckService.CheckAccountInfo(corpNum, verifyRequestDTO.BankCode(), verifyRequestDTO.AccountNumber());
-            if (!verifyRequestDTO.name().equals(accountInfo.getAccountName())) {
-                val abuseLog = AbuseLog.builder()
-                        .user(getUser(userId))
-                        .build();
-                abuseService.createAbuseLog(abuseLog);
-                response = abuseService.countAbuseLogByUser(userId);
-            }
-        } catch (PopbillException e) {
-            throw new PopbillException(e.getCode(), e.getMessage());
+        val accountInfo = accountCheckService.CheckAccountInfo(corpNum, verifyRequestDTO.BankCode(), verifyRequestDTO.AccountNumber());
+        if (checkIsUserFail(accountInfo.getResult())) {
+            val abuseLog = AbuseLog.builder()
+                    .user(getUser(userId))
+                    .build();
+            abuseService.createAbuseLog(abuseLog);
         }
-        return response;
+        return accountInfo;
+    }
+
+    private boolean checkIsUserFail(String result) {
+        return USER_FAIL_CODE.contains(result);
     }
 }