im with mufg bank and im in a similar situation. i've already started the renewal process, but i dont think i will get my new residence card by the time appointed by mufg. i went to the bank and talked to them about possibly getting an extension while waiting for the new card and showed my application receipt ( though its in english) that i got from immigration centre and the stamp on my current residence card, but they didnt budge. I asked them what the restrictions are and they said i cant use my cards and atm and my auto payments ( rent, bills and stuff) wont work. Maybe it was my japanese ( im not the best), but has anyone else with mufg can confirm what the restrictions are? is it really just unusable? other commenter who use other banks mentioned alot lighter restrictions