diff --git a/src/libs/actions/BankAccounts.ts b/src/libs/actions/BankAccounts.ts
index af19c37c49249..cc13ebd639dc3 100644
--- a/src/libs/actions/BankAccounts.ts
+++ b/src/libs/actions/BankAccounts.ts
@@ -255,6 +255,22 @@ function getOnyxDataForConnectingVBBAAndLastPaymentMethod(
  * Submit Bank Account step with Plaid data so php can perform some checks.
  */
 function connectBankAccountWithPlaid(bankAccountID: number, selectedPlaidBankAccount: PlaidBankAccount, policyID: string) {
+    const isChaseBank = selectedPlaidBankAccount.bankName?.toLowerCase() === CONST.BANK_NAMES.CHASE;
+    if (bankAccountID === CONST.DEFAULT_NUMBER_ID && isChaseBank) {
+        Onyx.merge(ONYXKEYS.REIMBURSEMENT_ACCOUNT, {
+            achData: {
+                currentStep: CONST.BANK_ACCOUNT.STEP.BANK_ACCOUNT,
+                subStep: CONST.BANK_ACCOUNT.SETUP_TYPE.MANUAL,
+            },
+            errors: null,
+        });
+        Onyx.merge(ONYXKEYS.FORMS.REIMBURSEMENT_ACCOUNT_FORM_DRAFT, {
+            accountNumber: '',
+            routingNumber: '',
+        });
+        return;
+    }
+
     const parameters: ConnectBankAccountParams = {
         bankAccountID,
         routingNumber: selectedPlaidBankAccount.routingNumber,
diff --git a/tests/actions/BankAccountsTest.ts b/tests/actions/BankAccountsTest.ts
new file mode 100644
index 0000000000000..612dd79480093
--- /dev/null
+++ b/tests/actions/BankAccountsTest.ts
@@ -0,0 +1,112 @@
+import Onyx from 'react-native-onyx';
+import {connectBankAccountWithPlaid} from '@libs/actions/BankAccounts';
+import {WRITE_COMMANDS} from '@libs/API/types';
+import CONST from '@src/CONST';
+import ONYXKEYS from '@src/ONYXKEYS';
+import type {ReimbursementAccountForm} from '@src/types/form/ReimbursementAccountForm';
+import type PlaidBankAccount from '@src/types/onyx/PlaidBankAccount';
+import getOnyxValue from '../utils/getOnyxValue';
+import type {MockFetch} from '../utils/TestHelper';
+import * as TestHelper from '../utils/TestHelper';
+import waitForBatchedUpdates from '../utils/waitForBatchedUpdates';
+
+const POLICY_ID = 'policyID123';
+
+function getPlaidBankAccount(bankName: string): PlaidBankAccount {
+    return {
+        accountNumber: '111122223333',
+        routingNumber: '123456789',
+        bankName,
+        plaidAccountID: 'plaidAccountID123',
+        plaidAccessToken: 'plaidAccessToken123',
+        mask: '3333',
+        isSavings: false,
+    };
+}
+
+describe('actions/BankAccounts', () => {
+    let mockFetch: MockFetch;
+
+    beforeAll(() => {
+        Onyx.init({
+            keys: ONYXKEYS,
+        });
+    });
+
+    beforeEach(() => {
+        global.fetch = TestHelper.getGlobalFetchMock();
+        mockFetch = fetch as MockFetch;
+        return Onyx.clear().then(waitForBatchedUpdates);
+    });
+
+    afterEach(() => {
+        mockFetch?.resume?.();
+    });
+
+    describe('connectBankAccountWithPlaid', () => {
+        test('short-circuits new Chase accounts to manual flow and clears account/routing draft fields', async () => {
+            // Given a new reimbursement account in Plaid setup with existing draft values
+            await Onyx.set(ONYXKEYS.REIMBURSEMENT_ACCOUNT, {
+                achData: {
+                    currentStep: CONST.BANK_ACCOUNT.STEP.BANK_ACCOUNT,
+                    subStep: CONST.BANK_ACCOUNT.SETUP_TYPE.PLAID,
+                },
+            });
+            await Onyx.set(ONYXKEYS.FORMS.REIMBURSEMENT_ACCOUNT_FORM_DRAFT, {
+                accountNumber: '111122223333',
+                routingNumber: '123456789',
+                plaidAccountID: 'plaidAccountID123',
+                plaidAccessToken: 'plaidAccessToken123',
+                mask: '3333',
+            } as Partial<ReimbursementAccountForm>);
+
+            // When we connect with Plaid for Chase on a new account
+            connectBankAccountWithPlaid(CONST.DEFAULT_NUMBER_ID, getPlaidBankAccount(CONST.BANK_NAMES_USER_FRIENDLY[CONST.BANK_NAMES.CHASE]), POLICY_ID);
+            await waitForBatchedUpdates();
+
+            // Then we should not call the backend, and should move user to manual with cleared account/routing draft fields
+            const reimbursementAccount = await getOnyxValue(ONYXKEYS.REIMBURSEMENT_ACCOUNT);
+            const reimbursementAccountDraft = await getOnyxValue(ONYXKEYS.FORMS.REIMBURSEMENT_ACCOUNT_FORM_DRAFT);
+
+            TestHelper.expectAPICommandToHaveBeenCalled(WRITE_COMMANDS.CONNECT_BANK_ACCOUNT_WITH_PLAID, 0);
+            expect(reimbursementAccount?.achData?.currentStep).toBe(CONST.BANK_ACCOUNT.STEP.BANK_ACCOUNT);
+            expect(reimbursementAccount?.achData?.subStep).toBe(CONST.BANK_ACCOUNT.SETUP_TYPE.MANUAL);
+            expect(reimbursementAccount?.errors ?? null).toBeNull();
+            expect(reimbursementAccountDraft?.accountNumber).toBe('');
+            expect(reimbursementAccountDraft?.routingNumber).toBe('');
+            expect(reimbursementAccountDraft?.plaidAccountID).toBe('plaidAccountID123');
+            expect(reimbursementAccountDraft?.plaidAccessToken).toBe('plaidAccessToken123');
+            expect(reimbursementAccountDraft?.mask).toBe('3333');
+        });
+
+        test('does not short-circuit Chase flow when bankAccountID is non-zero', () => {
+            // Given an existing Chase bank account
+            const bankAccountID = 123;
+            const selectedPlaidBankAccount = getPlaidBankAccount(CONST.BANK_NAMES_USER_FRIENDLY[CONST.BANK_NAMES.CHASE]);
+
+            // When we connect with Plaid
+            connectBankAccountWithPlaid(bankAccountID, selectedPlaidBankAccount, POLICY_ID);
+            return waitForBatchedUpdates().then(() => {
+                // Then we should call the existing API command
+                TestHelper.expectAPICommandToHaveBeenCalled(WRITE_COMMANDS.CONNECT_BANK_ACCOUNT_WITH_PLAID, 1);
+                const call = TestHelper.getFetchMockCalls(WRITE_COMMANDS.CONNECT_BANK_ACCOUNT_WITH_PLAID).at(0);
+                const body = (call?.at(1) as RequestInit)?.body;
+                const params = body instanceof FormData ? Object.fromEntries(body) : {};
+
+                expect(params).toEqual(
+                    expect.objectContaining({
+                        bankAccountID: `${bankAccountID}`,
+                        routingNumber: selectedPlaidBankAccount.routingNumber,
+                        accountNumber: selectedPlaidBankAccount.accountNumber,
+                        bank: selectedPlaidBankAccount.bankName,
+                        plaidAccountID: selectedPlaidBankAccount.plaidAccountID,
+                        plaidAccessToken: selectedPlaidBankAccount.plaidAccessToken,
+                        plaidMask: selectedPlaidBankAccount.mask,
+                        isSavings: `${selectedPlaidBankAccount.isSavings}`,
+                        policyID: POLICY_ID,
+                    }),
+                );
+            });
+        });
+    });
+});