Fix Continue setup and Start over button do not appear after returning to initial page

[VickyStash]

Explanation of Change

In the Wallet bank-account flow (Account → Wallet → Add bank account), policyID is not passed in the route params. Once the user partially completes manual bank setup, the backend populates achData.policyID with a real ID. When the user navigates back to the entry point, hasInProgressVBBA compared achData.policyID (a real ID) against policyIDParam (undefined) and bailed out, so "Continue setup" / "Start over" never rendered — the user saw "Log into your bank" / "Connect manually" instead.

This is a regression from #88193, which moved the USD flow to URL-based navigation and removed the inline setShouldShowContinueSetupButton(true) path that previously handled this case.

The fix skips the policyID comparison when the caller doesn't pass a policyID (the Wallet flow has no policy context), while preserving the guard for workspace-scoped callers.

Fixed Issues

$ #91884
PROPOSAL: N/A

Tests

• Verify that no errors appear in the JS console

Precondition:

• Have a workspace.

1. Go to staging.new.expensify.com
2. Go to Account > Wallet.
3. Click Add bank account.
4. Select Make payments.
5. Select United States > Next.
6. Click Connect manually.
7. Click Confirm.
8. Enter account numbers > Next.
9. Enter name > Next.
10. Click RHP back button 4 times to return to initial page.
11. Continue setup and Start over button will appear.

Offline tests

Same as in the Tests section.

QA Steps

// TODO: These must be filled out, or the issue title must include "[No QA]."

• Verify that no errors appear in the JS console

Same as in the Tests section.

PR Author Checklist

• I linked the correct issue in the ### Fixed Issues section above
• I wrote clear testing steps that cover the changes made in this PR
  • I added steps for local testing in the Tests section
  • I added steps for the expected offline behavior in the Offline steps section
  • I added steps for Staging and/or Production testing in the QA steps section
  • I added steps to cover failure scenarios (i.e. verify an input displays the correct error message if the entered data is not correct)
  • I turned off my network connection and tested it while offline to ensure it matches the expected behavior (i.e. verify the default avatar icon is displayed if app is offline)
  • I tested this PR with a High Traffic account against the staging or production API to ensure there are no regressions (e.g. long loading states that impact usability).
• I included screenshots or videos for tests on all platforms
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  • Android: Native
  • Android: mWeb Chrome
  • iOS: Native
  • iOS: mWeb Safari
  • MacOS: Chrome / Safari
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• If the PR modifies a generic component, I tested and verified that those changes do not break usages of that component in the rest of the App (i.e. if a shared library or component like Avatar is modified, I verified that Avatar is working as expected in all cases)
• If the PR modifies a component related to any of the existing Storybook stories, I tested and verified all stories for that component are still working as expected.
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• If the PR modifies the UI (e.g. new buttons, new UI components, changing the padding/spacing/sizing, moving components, etc) or modifies the form input styles:
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  • I added Design label and/or tagged @Expensify/design so the design team can review the changes.
• If a new page is added, I verified it's using the ScrollView component to make it scrollable when more elements are added to the page.
• I added unit tests for any new feature or bug fix in this PR to help automatically prevent regressions in this user flow.
• If the main branch was merged into this PR after a review, I tested again and verified the outcome was still expected according to the Test steps.

Screenshots/Videos

Android: Native

android.mp4

Android: mWeb Chrome

android_web.mp4

iOS: Native

ios.mov

iOS: mWeb Safari

ios_web.mov

MacOS: Chrome / Safari

web.mp4

[melvin-bot]

@dukenv0307 Please copy/paste the Reviewer Checklist from here into a new comment on this PR and complete it. If you have the K2 extension, you can simply click: [this button]

[melvin-bot]

@arosiclair Please copy/paste the Reviewer Checklist from here into a new comment on this PR and complete it. If you have the K2 extension, you can simply click: [this button]

[trjExpensify]

Makes sense to me. CC: @joekaufmanexpensify for vis!

[dukenv0307]

Reviewer Checklist

• I have verified the author checklist is complete (all boxes are checked off).
• I verified the correct issue is linked in the ### Fixed Issues section above
• I verified testing steps are clear and they cover the changes made in this PR
  • I verified the steps for local testing are in the Tests section
  • I verified the steps for Staging and/or Production testing are in the QA steps section
  • I verified the steps cover any possible failure scenarios (i.e. verify an input displays the correct error message if the entered data is not correct)
  • I turned off my network connection and tested it while offline to ensure it matches the expected behavior (i.e. verify the default avatar icon is displayed if app is offline)
• I checked that screenshots or videos are included for tests on all platforms
• I included screenshots or videos for tests on all platforms
• I verified that the composer does not automatically focus or open the keyboard on mobile unless explicitly intended. This includes checking that returning the app from the background does not unexpectedly open the keyboard.
• I verified tests pass on all platforms & I tested again on:
  • Android: HybridApp
  • Android: mWeb Chrome
  • iOS: HybridApp
  • iOS: mWeb Safari
  • MacOS: Chrome / Safari
  • MacOS: Desktop
• If there are any errors in the console that are unrelated to this PR, I either fixed them (preferred) or linked to where I reported them in Slack
• I verified there are no new alerts related to the canBeMissing param for useOnyx
• I verified proper code patterns were followed (see Reviewing the code)
  • I verified that any callback methods that were added or modified are named for what the method does and never what callback they handle (i.e. toggleReport and not onIconClick).
  • I verified that comments were added to code that is not self explanatory
  • I verified that any new or modified comments were clear, correct English, and explained "why" the code was doing something instead of only explaining "what" the code was doing.
  • I verified any copy / text shown in the product is localized by adding it to src/languages/* files and using the translation method
  • I verified all numbers, amounts, dates and phone numbers shown in the product are using the localization methods
  • I verified any copy / text that was added to the app is grammatically correct in English. It adheres to proper capitalization guidelines (note: only the first word of header/labels should be capitalized), and is either coming verbatim from figma or has been approved by marketing (in order to get marketing approval, ask the Bug Zero team member to add the Waiting for copy label to the issue)
  • I verified proper file naming conventions were followed for any new files or renamed files. All non-platform specific files are named after what they export and are not named "index.js". All platform-specific files are named for the platform the code supports as outlined in the README.
  • I verified the JSDocs style guidelines (in STYLE.md) were followed
• If a new code pattern is added I verified it was agreed to be used by multiple Expensify engineers
• I verified that this PR follows the guidelines as stated in the Review Guidelines
• I verified other components that can be impacted by these changes have been tested, and I retested again (i.e. if the PR modifies a shared library or component like Avatar, I verified the components using Avatar have been tested & I retested again)
• I verified all code is DRY (the PR doesn't include any logic written more than once, with the exception of tests)
• I verified any variables that can be defined as constants (ie. in CONST.ts or at the top of the file that uses the constant) are defined as such
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• If any new file was added I verified that:
  • The file has a description of what it does and/or why is needed at the top of the file if the code is not self explanatory
• If a new CSS style is added I verified that:
  • A similar style doesn't already exist
  • The style can't be created with an existing StyleUtils function (i.e. StyleUtils.getBackgroundAndBorderStyle(theme.componentBG)
• If the PR modifies code that runs when editing or sending messages, I tested and verified there is no unexpected behavior for all supported markdown - URLs, single line code, code blocks, quotes, headings, bold, strikethrough, and italic.
• If the PR modifies a generic component, I tested and verified that those changes do not break usages of that component in the rest of the App (i.e. if a shared library or component like Avatar is modified, I verified that Avatar is working as expected in all cases)
• If the PR modifies a component related to any of the existing Storybook stories, I tested and verified all stories for that component are still working as expected.
• If the PR modifies a component or page that can be accessed by a direct deeplink, I verified that the code functions as expected when the deeplink is used - from a logged in and logged out account.
• If the PR modifies the UI (e.g. new buttons, new UI components, changing the padding/spacing/sizing, moving components, etc) or modifies the form input styles:
  • I verified that all the inputs inside a form are aligned with each other.
  • I added Design label and/or tagged @Expensify/design so the design team can review the changes.
• If a new page is added, I verified it's using the ScrollView component to make it scrollable when more elements are added to the page.
• For any bug fix or new feature in this PR, I verified that sufficient unit tests are included to prevent regressions in this flow.
• If the main branch was merged into this PR after a review, I tested again and verified the outcome was still expected according to the Test steps.
• I have checked off every checkbox in the PR reviewer checklist, including those that don't apply to this PR.

Screenshots/Videos

Android: HybridApp

Screen.Recording.2026-05-29.at.14.05.20.mov

Android: mWeb Chrome

Screen.Recording.2026-05-29.at.13.56.21.mov

iOS: HybridApp

Screen.Recording.2026-05-29.at.14.02.35.mov

iOS: mWeb Safari

Screen.Recording.2026-05-29.at.13.57.23.mov

MacOS: Chrome / Safari

Screen.Recording.2026-05-29.at.13.53.15.mov

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✋ This PR was not deployed to staging yet because QA is ongoing. It will be automatically deployed to staging after the next production release.

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🚀 Deployed to staging by https://github.com/arosiclair in version: 9.3.90-0 🚀

platform	result
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🤖 android 🤖	success ✅
🍎 iOS 🍎	success ✅

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[MelvinBot]

🤖 Help site review: no changes required.

I reviewed the change in this PR against the help articles under App/docs/articles.

What this PR does: A one-line fix to internal logic in src/libs/ReimbursementAccountUtils.ts — hasInProgressVBBA now skips the policyID comparison when no policyID is passed (the Wallet flow has no policy context). This restores a regression so that Continue setup / Start over reappear when a user returns to the entry point of a partially-completed bank-account setup.

Why no docs update is needed:

• This is a regression fix that restores previously-intended behavior, not a new feature or a change to the documented flow.
• No user-facing labels, tab names, settings, or flow steps changed.
• The help site already documents resuming a partial setup — see Connect a Business Bank Account: "Partially set-up accounts display an Action required badge. Click the account row to resume setup from where you left off." That documented behavior is now working correctly again.

No draft help site PR was created since the existing articles already reflect the (now-restored) behavior.

[OSBotify]

🚀 Deployed to production by https://github.com/lakchote in version: 9.3.90-3 🚀

platform	result
🕸 web 🕸	success ✅
🤖 android 🤖	success ✅
🍎 iOS 🍎	success ✅