diff --git a/src/libs/actions/BankAccounts.js b/src/libs/actions/BankAccounts.js
index b3f016ac3ab4..e9ed3ac640a7 100644
--- a/src/libs/actions/BankAccounts.js
+++ b/src/libs/actions/BankAccounts.js
@@ -330,7 +330,12 @@ function fetchUserWallet() {
 function fetchFreePlanVerifiedBankAccount(stepToOpen) {
     // We are using set here since we will rely on data from the server (not local data) to populate the VBA flow
     // and determine which step to navigate to.
-    Onyx.set(ONYXKEYS.REIMBURSEMENT_ACCOUNT, {loading: true});
+    Onyx.set(ONYXKEYS.REIMBURSEMENT_ACCOUNT, {
+        loading: true,
+
+        // We temporarily keep the achData state to prevent UI changes while fetching.
+        achData: {state: lodashGet(reimbursementAccountInSetup, 'state', '')},
+    });
     let bankAccountID;
 
     API.Get({
@@ -403,6 +408,11 @@ function fetchFreePlanVerifiedBankAccount(stepToOpen) {
                     achData.bankAccountInReview = bankAccount && bankAccount.isVerifying();
                     achData.domainLimit = 0;
 
+                    // Adding a default empty state to make sure we override the temporary one we are keeping
+                    // for UI purposes. This covers an edge case in which a user deleted their bank account,
+                    // but would still see Finish Setup in the UI, instead of Get Started.
+                    achData.state = lodashGet(achData, 'state', '');
+
                     // If the bank account has already been created in the db and is not yet open
                     // let's show the manual form with the previously added values
                     achData.subStep = bankAccount && bankAccount.isInSetup()