Dominic

The above issue ^ together with the rate limit of `ResendValidateCode` made this PR very difficult to test. I'll try again tonight.

## Reviewer Checklist - [x] I have verified the author checklist is complete (all boxes are checked off). - [x] I verified the correct issue is linked in the `###...

Just tested a number of flows and no problem so far 😄 Only 1 question above ^ and we're good to 🚀. @chrispader Don't forget to fill your Author Checklist.

Got this warning when I pressed `Pay with Expensify` for an expense report whose submitter does not have a bank account:

@chrispader Any update?

@chrispader You can follow the credential [here](https://expensify.slack.com/archives/C01GTK53T8Q/p1711049879962529) 🧵 to connect to a bank account for a workspace.

Issue is no longer reproducible. But @chrispader Can you please help check https://github.com/Expensify/App/pull/53149#issuecomment-2558917185 to see if we can still proceed this PR?

@chrispader Can you quick check the progress? Thanks.

Code changes overall look good. I'll rebuild today after completing other tasks (not to waste time rebuilding) to see if there's any runtime errors.

@chrispader Can you pull `main` please? Then we're good to go.