[$175] Validate your BA-Continue setup, Start over and Change BA not shown

[applause-bot]

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Version Number: 9.4.94-0
Reproducible in staging?: Yes
Reproducible in production?: Yes
If this was caught during regression testing, add the test name, ID and link from BrowserStack: https://test-management.browserstack.com/projects/2219752/folder/57527100/test-cases/41236759
Email or phone of affected tester (no customers): N/A
Issue reported by: Applause Internal Team
Bug source: Regression TC Execution
Device used: MacBook Air 26.6.2 Chrome, iPhone 15 iOS 26.6.1
App Component: Other

Action Performed:

1. Start connecting bank account to the workspace manually
2. On the "Validate your bank account" page submit random numbers until validation is disabled due to too many attempts
3. Navigate away and back to Workflows, click on the Bank Account that is connected
   Verify Continue set up, Change bank account and Start over option is shown

Expected Result:

Continue set up, Change bank account and Start over options are shown after clicking on the bank account in "Please confirm test transactions" status

Actual Result:

Continue set up, Change bank account and Start over options are not shown after clicking on the bank account in "Please confirm test transactions" status

Workaround:

Unknown

Platforms:

• Android: App
• Android: mWeb Chrome
• iOS: App
• iOS: mWeb Safari
• iOS: mWeb Chrome
• Windows: Chrome
• MacOS: Chrome Safari

Screenshots/Videos

Bug7269506_1790354002809.No_options.mp4

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Applause Internal Information
Exported by: Julia Ponikarchuk
Bug ID: 7269506

Upwork Automation - Do Not Edit

• Upwork Job URL: https://www.upwork.com/jobs/~022103547113020403064
• Upwork Job ID: 2103547113020403064
• Last Price Increase: 2026-09-25

[applause-bot]

While Applause doesn't embed attachments for this bug, here are the links for quick view:
https://platform.applause.com/services/links/v1/external/c87093181885a68e4d7b0bc895388dda35fd06a59fd06c02b0cd58d4ba8fa491

[MelvinBot]

Proposal

What is the root cause of that problem?

Skip the Continue setup step for a pending USD bank account (merged 2026-09-09) added a redirect. It sends every PENDING USD account straight to the validation step and skips the "Almost done" screen that holds the three options.

The redirect condition never checks reimbursementAccount.maxAttemptsReached. After too many attempts, the account is still PENDING, so the redirect still fires. The validation page then shows only the "disabled due to too many incorrect attempts" text. Its back button leaves the flow, so you can't reach the options.

The "Almost done" screen was built for this case: it shows the max-attempts error and keeps all three options enabled when maxAttemptsReached is true.

Code references

• Redirect condition, no maxAttemptsReached check: ReimbursementAccountPage.tsx:259-266
• Effect that pushes to the validation page: ReimbursementAccountPage.tsx:410-418
• Options that handle maxAttemptsReached: VerifiedBankAccountFlowEntryPoint.tsx:281-311
• Validation page with only the disabled message: ConnectBankAccount.tsx:114-144
• Back button that exits the flow for PENDING: USDVerifiedBankAccountFlowPage.tsx:156-166
• Workflows row click (only LOCKED is special-cased; PENDING goes to the page above): WorkflowsPaymentsTab.tsx:213-240

That PR fixed [Due for payment 2026-09-17] Add BA"Validate your bank account" is not opened instantly after clicking pending BA (test case 41236758). This issue is the next test case, 41236759.

What changes do you think we should make in order to solve the problem?

1. In ReimbursementAccountPage, add !reimbursementAccount?.maxAttemptsReached to shouldRedirectToPendingValidation. Locked-out accounts then land on the "Almost done" screen with the error and all three options.
2. In USDVerifiedBankAccountFlowPage, skip the leave-the-flow back handler when maxAttemptsReached is true. Back from the validation page (reached through Continue setup) then returns to the options screen instead of Workflows.
3. In ReimbursementAccountPagePendingRedirectTest.tsx, add a case: PENDING plus maxAttemptsReached: true shows the three options and does not redirect.

Not verified: I haven't confirmed that the page-load response always includes maxAttemptsReached: true. Before that PR, the "Almost done" screen showed the max-attempts error in this flow, which suggests the response does include it. Check this during testing.

What alternative solutions did you explore? (Optional)

Revert the redirect. Pending accounts that are not locked would then lose the instant validation step.

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Next Steps for Contributor+ team:
To accept: @MelvinBot implement [this](https://github.com/Expensify/App/issues/102332) to create a draft PR.
To refine: @MelvinBot <your feedback>
To reject: Explain why you are rejecting Melvin's proposal.

[melvin-bot]

Triggered auto assignment to Contributor-plus team member for initial proposal review - @sobitneupane (External)

[melvin-bot]

Job added to Upwork: https://www.upwork.com/jobs/~022103547113020403064

[ashusatyarthi-wq]

Contributor details
Your Expensify account email: ashusatyarthi@gmail.com
Upwork Profile Link: https://www.upwork.com/freelancers/~010e53044b5828fe60

[melvin-bot]

✅ Contributor details stored successfully. Thank you for contributing to Expensify!