diff --git a/assets/js/credits.js b/assets/js/credits.js
index ff11bdfe..d23d02ae 100644
--- a/assets/js/credits.js
+++ b/assets/js/credits.js
@@ -392,26 +392,6 @@
 		});
 		applyMethodVisibility((modal.querySelector('input[name="payment_method"]') || {}).value || '');
 		if (!form) return;
-		// 收款渠道由后台拖拽结构定义：切换时同步收款信息提示与渠道说明。
-		var methodField = form.querySelector('[data-jio-withdraw-method]');
-		var accountField = form.querySelector('[data-jio-withdraw-account]');
-		var noteField = form.querySelector('[data-jio-withdraw-note]');
-		function syncChannelHint() {
-			if (!methodField) return;
-			var option = methodField.options[methodField.selectedIndex];
-			if (!option) return;
-			var hint = option.getAttribute('data-hint') || '';
-			var note = option.getAttribute('data-note') || '';
-			if (accountField) accountField.setAttribute('placeholder', hint || '姓名 + 账户 / 卡号');
-			if (noteField) {
-				noteField.textContent = note;
-				noteField.hidden = note === '';
-			}
-		}
-		if (methodField) {
-			methodField.addEventListener('change', syncChannelHint);
-			syncChannelHint();
-		}
 		resetOperationKeyOnChange(form);
 		form.addEventListener('submit', function (e) {
 			e.preventDefault();
@@ -826,6 +806,26 @@
 			btn.addEventListener('click', function () { closeModal(modal); });
 		});
 		if (!form) return;
+		// 收款渠道由后台拖拽结构定义：切换时同步收款信息提示与渠道说明。
+		var methodField = form.querySelector('[data-jio-withdraw-method]');
+		var accountField = form.querySelector('[data-jio-withdraw-account]');
+		var noteField = form.querySelector('[data-jio-withdraw-note]');
+		function syncChannelHint() {
+			if (!methodField) return;
+			var option = methodField.options[methodField.selectedIndex];
+			if (!option) return;
+			var hint = option.getAttribute('data-hint') || '';
+			var note = option.getAttribute('data-note') || '';
+			if (accountField) accountField.setAttribute('placeholder', hint || '姓名 + 账户 / 卡号');
+			if (noteField) {
+				noteField.textContent = note;
+				noteField.hidden = note === '';
+			}
+		}
+		if (methodField) {
+			methodField.addEventListener('change', syncChannelHint);
+			syncChannelHint();
+		}
 		resetOperationKeyOnChange(form);
 		form.addEventListener('submit', function (e) {
 			e.preventDefault();
diff --git a/tests/widget-system/payment-withdrawal-channels-contract.test.cjs b/tests/widget-system/payment-withdrawal-channels-contract.test.cjs
index 9c3fedb7..ef8f2989 100644
--- a/tests/widget-system/payment-withdrawal-channels-contract.test.cjs
+++ b/tests/widget-system/payment-withdrawal-channels-contract.test.cjs
@@ -58,8 +58,14 @@ test('前台弹窗与后端校验都按渠道 key 工作', () => {
   assert.match(modal, /data-note="<\?php echo esc_attr/);
   assert.match(modal, /data-jio-withdraw-note/);
 
-  // 切换渠道时同步提示文案。
-  assert.match(client, /function syncChannelHint\(\)/);
+  // 切换渠道时同步提示文案，且必须挂在提现弹窗的初始化里
+  // （同一文件还有充值弹窗，挂错块会让整段逻辑变成死代码）。
+  assert.equal((client.match(/function syncChannelHint\(\)/g) || []).length, 1);
+  const initAt = client.indexOf('function initWithdraw()');
+  const syncAt = client.indexOf('function syncChannelHint()');
+  const nextFnAt = client.indexOf(String.fromCharCode(10) + String.fromCharCode(9) + 'function ', syncAt + 1);
+  assert.ok(initAt >= 0 && syncAt > initAt, 'syncChannelHint must live inside initWithdraw()');
+  assert.ok(nextFnAt === -1 || syncAt < nextFnAt, 'syncChannelHint must not leak past initWithdraw()');
   assert.match(client, /methodField\.addEventListener\('change', syncChannelHint\)/);
 
   // 后端只校验渠道存在且启用，不再限定内置两项。