diff --git a/src/collections/users/Users.ts b/src/collections/users/Users.ts
index a8b19ff..ace8ec8 100644
--- a/src/collections/users/Users.ts
+++ b/src/collections/users/Users.ts
@@ -17,7 +17,7 @@ export const Users: CollectionConfig = {
         const userId = doc.id as number;
 
         try {
-          await ensurePersonalAccount(payload, userId);
+          await ensurePersonalAccount(payload, userId, req);
         } catch (e) {
           payload.logger.error(
             `[Users] Failed to create personal bank account for user ${userId}: ${e}`,
@@ -37,6 +37,7 @@ export const Users: CollectionConfig = {
             limit: 1,
             depth: 0,
             overrideAccess: true,
+            req,
           });
           recruit = (ranks as { docs: Array<{ id: number }> }).docs[0];
 
@@ -49,6 +50,7 @@ export const Users: CollectionConfig = {
                 description: "Entry-level rank for new members.",
               },
               overrideAccess: true,
+              req,
             });
             recruit = { id: created.id };
             payload.logger.info("[Users] Created default 'Recruit' rank on demand.");
@@ -74,6 +76,7 @@ export const Users: CollectionConfig = {
               } as any,
             },
             overrideAccess: true,
+            req,
           });
         } catch (e) {
           payload.logger.error(`[Users] Failed to create profile for user ${userId}: ${e}`);
diff --git a/src/lib/banking/index.ts b/src/lib/banking/index.ts
index 6b3e4ef..9a567af 100644
--- a/src/lib/banking/index.ts
+++ b/src/lib/banking/index.ts
@@ -1,3 +1,4 @@
+import type { PayloadRequest } from "payload";
 import type { BankAccount, BankTransaction } from "@/payload-types";
 
 export type BankAccountType = "treasury" | "faction" | "personal";
@@ -70,6 +71,11 @@ export async function createAccount(
     ownerFactionId?: number;
     ownerUserId?: number;
   },
+  // Optional request carrying a transactionID. Pass it when calling from
+  // inside another operation's hooks so nested writes join that transaction —
+  // on a fresh connection the uncommitted parent row is invisible and FK
+  // checks fail.
+  req?: PayloadRequest,
 ): Promise<BankAccount> {
   const { name, accountType, ownerFactionId, ownerUserId } = input;
   const currencyId = await getMainCurrencyId(payload);
@@ -89,12 +95,14 @@ export async function createAccount(
     },
     overrideAccess: true,
     depth: 0,
+    req,
   })) as unknown as BankAccount;
 }
 
 export async function ensurePersonalAccount(
   payload: PayloadType,
   userId: number,
+  req?: PayloadRequest,
 ): Promise<BankAccount> {
   const existing = (await payload.find({
     collection: "bank-accounts",
@@ -104,6 +112,7 @@ export async function ensurePersonalAccount(
     limit: 1,
     depth: 0,
     overrideAccess: true,
+    req,
   })) as unknown as { docs: BankAccount[] };
   if (existing.docs.length > 0) return existing.docs[0];
 
@@ -113,15 +122,20 @@ export async function ensurePersonalAccount(
       id: userId,
       depth: 0,
       overrideAccess: true,
+      req,
     })
     .catch(() => null)) as unknown as { username?: string; displayName?: string } | null;
   const label = user?.displayName || user?.username || `User ${userId}`;
 
-  return createAccount(payload, {
-    name: `${label}'s Account`,
-    accountType: "personal",
-    ownerUserId: userId,
-  });
+  return createAccount(
+    payload,
+    {
+      name: `${label}'s Account`,
+      accountType: "personal",
+      ownerUserId: userId,
+    },
+    req,
+  );
 }
 
 export async function applyTransaction(