diff --git a/apps/h5-partner/src/lib/storeDraft.ts b/apps/h5-partner/src/lib/storeDraft.ts
index 4a5db73..4a61c72 100644
--- a/apps/h5-partner/src/lib/storeDraft.ts
+++ b/apps/h5-partner/src/lib/storeDraft.ts
@@ -121,18 +121,11 @@ const PHONE_RE = /^1\d{10}$/;
 const BANK_RE = /^\d{16,19}$/;
 
 export function validateStoreStep1(
-  form: Pick<
-    StoreDraftForm,
-    'regionCodes' | 'cityId' | 'name' | 'phone' | 'storeSmsCode' | 'address' | 'intro'
-  >,
+  form: Pick<StoreDraftForm, 'regionCodes' | 'cityId' | 'name' | 'address' | 'intro'>,
 ): string | null {
   if (!form.regionCodes || form.regionCodes.length < 3) return '请选择省 / 市 / 区县';
   if (!form.cityId) return '所选地区未匹配到开城城市，请联系总部配置开城区划';
   if (!form.name.trim()) return '请填写门店名称';
-  if (!form.phone.trim()) return '请填写联系电话';
-  if (!PHONE_RE.test(form.phone.trim())) return '联系电话须为11位手机号';
-  if (!form.storeSmsCode.trim()) return '请输入门店手机号验证码';
-  if (!/^\d{4,6}$/.test(form.storeSmsCode.trim())) return '验证码格式不正确';
   if (!form.address.trim()) return '请填写详细地址';
   if (form.intro.trim()) {
     const len = form.intro.trim().length;
@@ -158,11 +151,18 @@ export function patchEnvPhotoAt(urls: string[], index: number, url: string): str
 }
 
 export function validateStoreStep3(
-  form: Pick<StoreDraftForm, 'bankAccountName' | 'bankAccountNo' | 'bankBranch'>,
+  form: Pick<
+    StoreDraftForm,
+    'bankAccountName' | 'bankAccountNo' | 'bankBranch' | 'phone' | 'storeSmsCode'
+  >,
 ): string | null {
   if (!form.bankAccountName.trim()) return '请填写户主姓名';
   if (!form.bankAccountNo.trim()) return '请填写银行卡号';
   if (!BANK_RE.test(form.bankAccountNo.replace(/\s/g, ''))) return '银行卡号须为 16~19 位数字';
   if (!form.bankBranch.trim()) return '请填写开户支行';
+  if (!form.phone.trim()) return '请填写联系电话';
+  if (!PHONE_RE.test(form.phone.trim())) return '联系电话须为11位手机号';
+  if (!form.storeSmsCode.trim()) return '请输入门店手机号验证码';
+  if (!/^\d{4,6}$/.test(form.storeSmsCode.trim())) return '验证码格式不正确';
   return null;
 }
diff --git a/apps/h5-partner/src/pages/StoreCreatePage.tsx b/apps/h5-partner/src/pages/StoreCreatePage.tsx
index 203ff62..779ccc3 100644
--- a/apps/h5-partner/src/pages/StoreCreatePage.tsx
+++ b/apps/h5-partner/src/pages/StoreCreatePage.tsx
@@ -93,8 +93,6 @@ export default function StoreCreatePage() {
 
   const [submitting, setSubmitting] = useState(false);
 
-  const [checkingPhone, setCheckingPhone] = useState(false);
-
   const [cities, setCities] = useState<OpenCityOption[]>([]);
 
   const [citiesError, setCitiesError] = useState('');
@@ -354,54 +352,10 @@ export default function StoreCreatePage() {
       const msg = validateStoreStep1(form);
 
       if (msg) {
-        if (isPhoneValidationMessage(msg)) {
-          if (msg.includes('验证码')) {
-            setFieldErrors({ storeSmsCode: msg });
-          } else {
-            setFieldErrors({ phone: msg });
-          }
-        } else {
-          reportFormError(msg);
-        }
+        reportFormError(msg);
         return;
       }
 
-      setCheckingPhone(true);
-
-      setSubmitError('');
-
-      setFieldErrors({});
-
-      try {
-
-        const phoneCheck = await checkStorePhoneAvailable(form.phone.trim());
-
-        if (!phoneCheck.available) {
-          const phoneMsg = phoneCheck.message ?? '该手机号已绑定门店，请更换';
-          setFieldErrors({ phone: phoneMsg });
-          return;
-        }
-        if (phoneCheck.needConfirm) {
-          const ok = window.confirm(
-            phoneCheck.message ??
-              `该手机号已是门店主账号（已绑 ${phoneCheck.existingStoreCount ?? 0} 家店），确认后将追加绑定新店。是否继续？`,
-          );
-          if (!ok) {
-            setFieldErrors({ phone: '已取消绑定已有主账号，请更换手机号或确认后继续' });
-            return;
-          }
-        }
-
-      } catch (e) {
-        reportFormError(e instanceof Error ? e.message : '手机号校验失败');
-        return;
-
-      } finally {
-
-        setCheckingPhone(false);
-
-      }
-
     }
 
     if (step === 2) {
@@ -426,6 +380,14 @@ export default function StoreCreatePage() {
     const msg = validateStoreStep3(form);
 
     if (msg) {
+      if (isPhoneValidationMessage(msg)) {
+        if (msg.includes('验证码')) {
+          setFieldErrors({ storeSmsCode: msg });
+        } else {
+          setFieldErrors({ phone: msg });
+        }
+        return;
+      }
       reportFormError(msg);
       return;
     }
@@ -433,15 +395,6 @@ export default function StoreCreatePage() {
     const step1Msg = validateStoreStep1(form);
 
     if (step1Msg) {
-      if (isPhoneValidationMessage(step1Msg)) {
-        if (step1Msg.includes('验证码')) {
-          setFieldErrors({ storeSmsCode: step1Msg });
-        } else {
-          setFieldErrors({ phone: step1Msg });
-        }
-        goStep(1);
-        return;
-      }
       reportFormError(step1Msg);
       goStep(1);
       return;
@@ -481,6 +434,8 @@ export default function StoreCreatePage() {
 
         });
 
+        setSubmitting(false);
+
         return;
 
       }
@@ -492,6 +447,7 @@ export default function StoreCreatePage() {
         );
         if (!ok) {
           setFieldErrors({ phone: '已取消绑定已有主账号，请更换手机号或确认后继续' });
+          setSubmitting(false);
           return;
         }
         confirmBindExisting = true;
@@ -499,6 +455,7 @@ export default function StoreCreatePage() {
 
     } catch (e) {
       reportFormError(e instanceof Error ? e.message : '手机号校验失败');
+      setSubmitting(false);
       return;
     }
 
@@ -567,7 +524,7 @@ export default function StoreCreatePage() {
       }
       if (/验证码/.test(message)) {
         setFieldErrors({ storeSmsCode: message });
-        goStep(1);
+        goStep(3);
         return;
       }
       setSubmitError(message);
@@ -584,7 +541,7 @@ export default function StoreCreatePage() {
 
   const progress = step === 1 ? 0 : step === 2 ? 50 : 100;
 
-  const nextDisabled = submitting || checkingPhone;
+  const nextDisabled = submitting;
 
 
 
@@ -692,104 +649,6 @@ export default function StoreCreatePage() {
 
             </div>
 
-            <div className="partner-field">
-
-              <label>联系电话（门店登录账号） <span className="text-primary">*</span></label>
-
-              <div className="partner-field-input">
-
-                <span className="material-symbols-outlined">call</span>
-
-                <input
-
-                  type="tel"
-
-                  placeholder="请输入11位手机号"
-
-                  value={form.phone}
-
-                  onChange={(e) => patchForm({ phone: e.target.value })}
-
-                />
-
-              </div>
-
-              {fieldErrors.phone && (
-
-                <p className="partner-field-error" role="alert">{fieldErrors.phone}</p>
-
-              )}
-
-              <p className="label-md text-muted" style={{ marginTop: 8 }}>
-
-                验证码将发送至该手机号，需门店负责人确认后方可录入
-
-              </p>
-
-            </div>
-
-            <div className="partner-field">
-
-              <label>门店账号验证码 <span className="text-primary">*</span></label>
-
-              <div className="partner-input-row">
-
-                <div className="partner-input-wrap" style={{ flex: 1 }}>
-
-                  <span className="material-symbols-outlined partner-input-icon">shield</span>
-
-                  <input
-
-                    className="partner-input"
-
-                    type="text"
-
-                    inputMode="numeric"
-
-                    maxLength={6}
-
-                    placeholder="请输入短信验证码"
-
-                    value={form.storeSmsCode}
-
-                    onChange={(e) => patchForm({ storeSmsCode: e.target.value.replace(/\D/g, '') })}
-
-                  />
-
-                </div>
-
-                <button
-
-                  type="button"
-
-                  className="partner-code-btn"
-
-                  disabled={smsCooldown > 0 || checkingPhone}
-
-                  onClick={() => void sendStorePhoneCode()}
-
-                >
-
-                  {smsCooldown > 0 ? `${smsCooldown}s` : '获取验证码'}
-
-                </button>
-
-              </div>
-
-              {smsHint && (
-
-                <p className="label-md text-muted" style={{ marginTop: 8 }}>{smsHint}</p>
-
-              )}
-
-              {fieldErrors.storeSmsCode && (
-
-                <p className="partner-field-error" role="alert">{fieldErrors.storeSmsCode}</p>
-
-              )}
-
-            </div>
-
             <div className="partner-field">
 
               <label>详细地址 <span className="text-primary">*</span></label>
@@ -976,46 +835,6 @@ export default function StoreCreatePage() {
 
           </div>
 
-          <section className="partner-form-card">
-
-            <div className="partner-field">
-
-              <label>门店登录手机号 <span className="text-primary">*</span></label>
-
-              <div className="partner-field-input">
-
-                <span className="material-symbols-outlined">call</span>
-
-                <input
-
-                  type="tel"
-
-                  placeholder="请输入11位手机号"
-
-                  value={form.phone}
-
-                  onChange={(e) => patchForm({ phone: e.target.value })}
-
-                />
-
-              </div>
-
-              {fieldErrors.phone && (
-
-                <p className="partner-field-error" role="alert">{fieldErrors.phone}</p>
-
-              )}
-
-              <p className="label-md text-muted" style={{ marginTop: 8 }}>
-
-                该手机号将作为门店端登录账号，提交前会再次校验是否已被占用。
-
-              </p>
-
-            </div>
-
-          </section>
-
           <section className="partner-form-card">
 
             <div className="partner-field">
@@ -1056,6 +875,108 @@ export default function StoreCreatePage() {
 
           </div>
 
+          <section className="partner-form-card">
+
+            <div className="partner-field">
+
+              <label>门店登录手机号 <span className="text-primary">*</span></label>
+
+              <div className="partner-field-input">
+
+                <span className="material-symbols-outlined">call</span>
+
+                <input
+
+                  type="tel"
+
+                  placeholder="请输入11位手机号"
+
+                  value={form.phone}
+
+                  onChange={(e) => patchForm({ phone: e.target.value })}
+
+                />
+
+              </div>
+
+              {fieldErrors.phone && (
+
+                <p className="partner-field-error" role="alert">{fieldErrors.phone}</p>
+
+              )}
+
+              <p className="label-md text-muted" style={{ marginTop: 8 }}>
+
+                该手机号将作为门店端登录账号，验证码发送至该号确认后方可提交。
+
+              </p>
+
+            </div>
+
+            <div className="partner-field">
+
+              <label>门店账号验证码 <span className="text-primary">*</span></label>
+
+              <div className="partner-input-row">
+
+                <div className="partner-input-wrap" style={{ flex: 1 }}>
+
+                  <span className="material-symbols-outlined partner-input-icon">shield</span>
+
+                  <input
+
+                    className="partner-input"
+
+                    type="text"
+
+                    inputMode="numeric"
+
+                    maxLength={6}
+
+                    placeholder="请输入短信验证码"
+
+                    value={form.storeSmsCode}
+
+                    onChange={(e) => patchForm({ storeSmsCode: e.target.value.replace(/\D/g, '') })}
+
+                  />
+
+                </div>
+
+                <button
+
+                  type="button"
+
+                  className="partner-code-btn"
+
+                  disabled={smsCooldown > 0 || submitting}
+
+                  onClick={() => void sendStorePhoneCode()}
+
+                >
+
+                  {smsCooldown > 0 ? `${smsCooldown}s` : '获取验证码'}
+
+                </button>
+
+              </div>
+
+              {smsHint && (
+
+                <p className="label-md text-muted" style={{ marginTop: 8 }}>{smsHint}</p>
+
+              )}
+
+              {fieldErrors.storeSmsCode && (
+
+                <p className="partner-field-error" role="alert">{fieldErrors.storeSmsCode}</p>
+
+              )}
+
+            </div>
+
+          </section>
+
         </>
 
       )}
@@ -1074,7 +995,7 @@ export default function StoreCreatePage() {
 
           <button type="button" className="partner-btn-primary" onClick={() => void handleNext()} disabled={nextDisabled}>
 
-            <span>{checkingPhone ? '校验中…' : '下一步'}</span>
+            <span>下一步</span>
 
             <span className="material-symbols-outlined" style={{ fontSize: 20 }}>navigate_next</span>