feat: add legal name step subheader, validate PMB addresses, and update address step subheader copy for VBBA

[samranahm]

Explanation of Change

Fixed Issues

$ #92019
PROPOSAL: #92019 (comment)

Tests

1. Open the "Wallet" or "Workflows" page and press "Add bank account".
2. Enter the routing and account numbers, then press Next.
3. On the legal name step, verify the subheader matches the styling of other step subheaders and the copy is:
   Please enter your full legal name as it appears on your ID.
4. Enter the legal name and press Next.
5. On the company address and personal address steps, verify the subheader is:
   A physical address is required. PO boxes and mail drops are not accepted.
6. Enter a PO Box address (e.g. PO Box 123) or a PMB address (e.g. PMB #123) and verify the inline error is:
   A physical address is required. PO boxes and mail drops are not accepted.
7. Enter an address that contain emoji, or address is only emojis, and verify the inline error is:
   Please enter a valid street address.

• Verify that no errors appear in the JS console

Offline tests

QA Steps

Same as test

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

• Verify that no errors appear in the JS console

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
• I ran the tests on all platforms & verified they passed on:
  • Android: Native
  • Android: mWeb Chrome
  • iOS: Native
  • iOS: mWeb Safari
  • MacOS: Chrome / Safari
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• 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.Native.mp4

Android: mWeb Chrome

Android.mWeb.Chrome.mp4

iOS: Native

IOS.Native.mp4

iOS: mWeb Safari

IOS.mWeb.Safari.mp4

MacOS: Chrome / Safari

macOS.Chrome.mp4

[melvin-bot]

Hey, I noticed you changed src/languages/en.ts in a PR from a fork. For security reasons, translations are not generated automatically for PRs from forks.

If you want to automatically generate translations for other locales, an Expensify employee will have to:

1. Look at the code and make sure there are no malicious changes.
2. Run the Generate static translations GitHub workflow. If you have write access and the K2 extension, you can simply click: [this button]

Alternatively, if you are an external contributor, you can run the translation script locally with your own OpenAI API key. To learn more, try running:

npx ts-node ./scripts/generateTranslations.ts --help

Typically, you'd want to translate only what you changed by running npx ts-node ./scripts/generateTranslations.ts --compare-ref main

[melvin-bot]

@dannymcclain @marufsharifi One of you needs to 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]

[chatgpt-codex-connector]

💡 Codex Review

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Reviewed commit: 85a48293b2

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[marufsharifi]

@samranahm, tests failed; could you please check? thanks.

[chatgpt-codex-connector]

Codex Review: Didn't find any major issues. 🚀

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[codecov]

Codecov Report

✅ Changes either increased or maintained existing code coverage, great job!

Files with missing lines	Coverage Δ
src/CONST/index.ts	93.84% <ø> (ø)
src/libs/ValidationUtils.ts	60.99% <90.90%> (+2.26%)	⬆️
...ments/Wallet/PersonalInfo/substeps/AddressStep.tsx	0.00% <0.00%> (ø)
...nts/Wallet/PersonalInfo/substeps/LegalNameStep.tsx	0.00% <0.00%> (ø)
...ages/MissingPersonalDetails/subPages/LegalName.tsx	0.00% <0.00%> (ø)
...sementAccount/EnterSignerInfo/subSteps/Address.tsx	0.00% <0.00%> (ø)
...nfo/BeneficialOwnerDetailsFormSubSteps/Address.tsx	0.00% <0.00%> (ø)
...erInfo/BeneficialOwnerDetailsFormSubSteps/Name.tsx	0.00% <0.00%> (ø)
...ntAccount/NonUSD/BusinessInfo/subSteps/Address.tsx	0.00% <0.00%> (ø)
...mentAccount/NonUSD/SignerInfo/subSteps/Address.tsx	0.00% <0.00%> (ø)
... and 11 more
... and 16 files with indirect coverage changes

[samranahm]

@marufsharifi all test passing please take a look.

[marufsharifi]

@samranahm, could you please check this.

[MelvinBot]

Review

Overall this looks solid: the implementation matches the expanded scope agreed in the issue thread (legal-name subtitle plus the address-copy update and PO box / PMB validation that clarajones-expensify requested), all CI is green, and the unit tests are good — including the spaced-hash PMB # 123 case that the earlier Codex comment flagged. A few things worth confirming before approving:

1. Changing the shared isValidAddress extends PMB rejection beyond the VBBA flows

The PR adds PMB rejection inside isValidAddress, which is shared by 6 callers. Three of them are outside the bank-account address scope discussed in the issue and were not updated with the new copy:

• AddPaymentCard/PaymentCardForm.tsx:203 — card billing address now rejects PMB, but still shows the generic bankAccount.error.addressStreet ("Please enter a valid street address").
• IOURequestStepWaypoint.tsx:118 — offline distance waypoints now reject PMB strings.
• getInitialSubStepForBusinessInfoStep.ts:33 — a PMB street is now treated as invalid, which can change which substep loads.

This is incremental (those callers already rejected PO boxes before this PR, so it's just adding PMB), so it's likely fine — but it's a behavior change in unrelated features. Worth a conscious 👍 that we want PMB rejected app-wide and not just in the VBBA flows.

2. Non-English translations were hand-added and have a register mismatch

Because this is a fork PR, generateTranslations is skipped, and all 10 locale files were edited by hand. At least the German strings use the formal register, which is inconsistent with the rest of de.ts (informal "du"):

• de.ts:3777 → 'Bitte geben **Sie Ihren**...' vs. the file's usual 'Bitte gib...' / '...du...' style.

Recommend an Expensify employee run the Generate static translations workflow (after a security pass on the diff) so the non-en locales are generated consistently rather than hand-written.

Minor / nits

• PMB regex breadth — CONST.REGEX.PMB reduces to M…B…<digits> with the inner letters (a/i/l, o/x) all optional, so something like Mailbox Lane 3 (digits trailing) could be flagged. It's constrained enough in practice and the test cases cover the realistic formats, just noting the false-positive surface. The literal | inside classes like [P|p]/[O|o|0] is also redundant, but it matches the existing PO_BOX style so it's consistent.
• Namespace — addressSubtitle / legalNameSubtitle live under personalInfoStep but are reused in business contexts (businessInfoStep, beneficialOwnerInfoStep). Works fine; minor organizational smell.
• Subtitle applied broadly — the legal-name subtitle is wired into more flows than the original 3 in the proposal (e.g. MissingPersonalDetails/subPages/LegalName.tsx). That's arguably good for consistency, just flagging it's wider than the proposal text since MissingPersonalDetails isn't a bank-account flow.

I didn't spot any blocking correctness bugs. The two items above are mostly "confirm intent" — once you're satisfied with the app-wide PMB behavior and the translations are properly generated, this looks good to go.

[samranahm]

@marufsharifi The Codecov decrease isn't an actual case here

The only logic change is in ValidationUtils.ts isValidAddress , which shows 100% patch coverage <100.00%> and +1.95% overall, it's fully covered by the new tests in ValidationUtilsTest.ts.

CONST/index.ts (-0.05%) only adds the PMB regex string constant the tiny drop is just from adding a non-executable regex line.

The .tsx files all show no change. They are already at 0% coverage on main and my edits only pass a new formSubtitle/addressSubtitle prop, so there's nothing to add here extra and we're good to GO

[samranahm]

@clarajones-expensify isValidAddress also check if the street address contains an emoji (or is only emoji) in this case we were showing Please enter a valid street address and now it would be A physical address is required. PO boxes and mail drops are not accepted., although that street address isn't related to PO boxes or PMBs, could you confirm this behaviour please.

[clarajones-expensify]

@samranahm oo that is a great question. can you make it so that if the address only contains an emoji, it will still say Please enter a valid street address. ?

[samranahm]

@marufsharifi Done.

[marufsharifi]

Doing a re-test. thanks

[marufsharifi]

@heyjennahay, could you please check this when you get a chance? thanks.

[heyjennahay]

Product change LGTM

[samranahm]

Thanks for confirmation @heyjennahay, I'll update the copy in both locations shortly.

[samranahm]

Merging main to fix flaky test.

[samranahm]

@marufsharifi Could you take another look at this PR please when you get a chance.

[marufsharifi]

I am checking this again. thanks.

[marufsharifi]

LGTM

[justinpersaud]

@marufsharifi PR reviewer checklist check is failing. Maybe the one you used wasn't up to date? Check here https://raw.githubusercontent.com/Expensify/App/main/contributingGuides/REVIEWER_CHECKLIST.md

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

Bundle Size Analysis (Sentry):

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[MelvinBot]

🤖 I reviewed the changes in this PR and confirmed that help site updates are required.

This PR changes user-facing copy and validation in the verified business bank account (VBBA) setup flow:

• Added the legal name step subheader: Please enter your full legal name as it appears on your ID.
• Added the address step subheader and now blocks PO boxes and mail drops (PMB) with the inline error: A physical address is required. PO boxes and mail drops are not accepted.

The existing help article Connect-a-US-Business-Bank-Account.md was out of date — it stated that PO boxes / mail drops "will be flagged for review and may delay verification," but with this PR they are now rejected outright at the address step. The article also didn't mention entering your legal name exactly as it appears on your ID (the core fix from #92019).

Draft help site PR: #94501

It applies the HelpDot label and:

1. Corrects the company address guidance to reflect the new blocking behavior.
2. Adds a "What personal details to enter when connecting your bank account" section covering the legal name guidance and the physical address requirement.

⚠️ I couldn't auto-assign the draft PR to samranahm — that account isn't an assignable user on Expensify/App (external contributors without triage/write access can't be set as assignees). Please self-assign on the linked PR.

@samranahm, please review the linked help site PR and confirm it reflects the current behavior. Then mark the linked help site PR Ready for review

[mitarachim]

Deploy Blocker #94519 was identified to be related to this PR.

[OSBotify]

🚀 Deployed to production by https://github.com/blimpich in version: 9.4.19-5 🚀

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