## Summary
- The \"Connected\" account card in `StepCreateAccount` was rendered
unconditionally during onboarding, allowing users without the
`open-banking` Pennant flag to see and interact with the bank connection
option
- Now follows the same pattern as `CreateAccountDialog`, which already
correctly checks `features['open-banking']` before showing the Connected
option
- The grid also collapses to a single column when only the Manual option
is available
## Changes
- **`resources/js/components/onboarding/step-create-account.tsx`** —
reads `features['open-banking']` from shared Inertia props and
conditionally renders the Connected card, the connected inline flow, and
the "Pro feature" hint message
- **`tests/Feature/OpenBanking/OpenBankingFeatureFlagTest.php`** — two
new tests asserting the flag value is correctly shared to the frontend
on the onboarding page (both enabled and disabled states)
09d81ac7e7