fix(settlement): 全部门店可未出账提现并企微提醒

Co-authored-by: Cursor <cursoragent@cursor.com>

apps/h5-shop/src/pages/WithdrawPage.tsx

@@ -77,7 +77,6 @@ export default function WithdrawPage() {
 
   const canApply =
     !!summary?.isPrimary &&
-    !!summary.whitelistEnabled &&
     summary.availableAmount > 0 &&
     !summary.hasPendingRequest &&
     summary.hasBankAccount &&
@@ -125,8 +124,8 @@ export default function WithdrawPage() {
               info
             </span>
             单日上限 ¥{formatMoney(summary?.dailyLimit ?? 5000)}
-            {summary && !summary.whitelistEnabled ? ' · 未开通未出账提现白名单' : ''}
             {summary?.hasPendingRequest ? ' · 已有待审核申请' : ''}
+            {!summary?.hasBankAccount ? ' · 请先完善收款账户' : ''}
           </p>
         </section>