diff --git a/app/Http/Requests/Settings/StoreAccountRequest.php b/app/Http/Requests/Settings/StoreAccountRequest.php
index 89d989df..f63fdf49 100644
--- a/app/Http/Requests/Settings/StoreAccountRequest.php
+++ b/app/Http/Requests/Settings/StoreAccountRequest.php
@@ -39,9 +39,7 @@ class StoreAccountRequest extends FormRequest
 
         $rules = [
             'name' => ['required', 'string'],
-            'bank_id' => $isRealEstate
-                ? ['nullable', 'exists:banks,id']
-                : ['required', 'exists:banks,id'],
+            'bank_id' => ['nullable', 'exists:banks,id'],
             'currency_code' => [
                 'required',
                 'string',
diff --git a/app/Http/Requests/Settings/UpdateAccountRequest.php b/app/Http/Requests/Settings/UpdateAccountRequest.php
index 3f7bf9c6..54729218 100644
--- a/app/Http/Requests/Settings/UpdateAccountRequest.php
+++ b/app/Http/Requests/Settings/UpdateAccountRequest.php
@@ -31,9 +31,7 @@ class UpdateAccountRequest extends FormRequest
 
         $rules = [
             'name' => ['required', 'string'],
-            'bank_id' => $isRealEstate
-                ? ['nullable', 'exists:banks,id']
-                : ['required', 'exists:banks,id'],
+            'bank_id' => ['nullable', 'exists:banks,id'],
             'currency_code' => [
                 'required',
                 'string',
diff --git a/resources/js/components/accounts/account-form.tsx b/resources/js/components/accounts/account-form.tsx
index f3547a9c..61066bd6 100644
--- a/resources/js/components/accounts/account-form.tsx
+++ b/resources/js/components/accounts/account-form.tsx
@@ -294,7 +294,6 @@ export function AccountForm({
                                     type="hidden"
                                     name="bank_id"
                                     value={selectedBankId ?? ''}
-                                    required
                                 />
 
                                 <BankCombobox
diff --git a/tests/Feature/RealEstateTest.php b/tests/Feature/RealEstateTest.php
index 694008c6..3075c92b 100644
--- a/tests/Feature/RealEstateTest.php
+++ b/tests/Feature/RealEstateTest.php
@@ -210,7 +210,7 @@ it('does not require property_type for non-real-estate accounts', function () {
     $response->assertRedirect();
 });
 
-it('requires bank_id for non-real-estate account types', function () {
+it('does not require bank_id for non-real-estate account types', function () {
     actingAs($this->user);
 
     $data = [
@@ -222,7 +222,7 @@ it('requires bank_id for non-real-estate account types', function () {
 
     $response = $this->post(route('accounts.store'), $data);
 
-    $response->assertSessionHasErrors(['bank_id']);
+    $response->assertSessionMissing('errors');
 });
 
 // -------------------------------------------------------------------
diff --git a/tests/Feature/Settings/AccountTest.php b/tests/Feature/Settings/AccountTest.php
index a80e2c54..7bf4e00f 100644
--- a/tests/Feature/Settings/AccountTest.php
+++ b/tests/Feature/Settings/AccountTest.php
@@ -55,12 +55,33 @@ it('can create a new account with plaintext name', function () {
     ]);
 });
 
+it('can create a new account without a bank', function () {
+    actingAs($this->user);
+
+    $data = [
+        'name' => 'My Savings Account',
+        'currency_code' => 'USD',
+        'type' => AccountType::Savings->value,
+    ];
+
+    $response = $this->post(route('accounts.store'), $data);
+
+    $response->assertRedirect();
+    assertDatabaseHas('accounts', [
+        'user_id' => $this->user->id,
+        'bank_id' => null,
+        'name' => 'My Savings Account',
+        'currency_code' => 'USD',
+        'type' => AccountType::Savings->value,
+    ]);
+});
+
 it('validates required fields when creating account', function () {
     actingAs($this->user);
 
     $response = $this->post(route('accounts.store'), []);
 
-    $response->assertSessionHasErrors(['name', 'bank_id', 'currency_code', 'type']);
+    $response->assertSessionHasErrors(['name', 'currency_code', 'type']);
 });
 
 it('validates currency_code must be in allowed list', function () {