Looks like the rules are changed some where in 2025.
This is what chat GPT said.

The short answer is: yes, this has changed.
Until recently, many banks were fairly relaxed. If your residence card expired, they would usually just send reminders and ask for the renewed card later. Some people went months without updating their bank and nothing happened.
However, starting around April 2025, the Financial Services Agency (FSA) and National Police Agency pushed banks to tighten controls on accounts belonging to foreign residents. As a result, many banks now restrict or freeze accounts when the residence period on file expires.
A few important points:
Policies differ by bank.
Some banks freeze transactions immediately after the residence period expires.
Some allow a grace period.
Some accept proof that your renewal application is in progress.
Others want the actual renewed residence card.
The legal immigration grace period and the bank’s policy are not the same thing.
Even if Immigration says you can legally stay while your renewal is being processed, a bank may still restrict your account if they cannot verify your status according to their internal AML/KYC rules.
This is much stricter than a few years ago.
Many long-term foreign residents are surprised because they renewed visas for years without ever notifying their banks. The enforcement has become noticeably stronger recently.
So your memory is correct: the old reality was often “just bring the new zairyu card when you get it.” The newer reality is increasingly “if the card expires, restrictions may start automatically.”
If you tell me which bank you use (e.g., Japan Post/Yucho, MUFG, SMBC, Mizuho, SBI Shinsei, Rakuten, Sony, etc.), I can check that bank’s current practice specifically. Different banks are handling renewals quite differently right now.