src/components/balance/StarterAccountsModal.test.tsx

@@ -92,10 +92,12 @@ describe("proposeStarterAccounts", () => {
   it("inserts selected starters atomically and returns their ids", async () => {
     // BEGIN
     mockExecute.mockResolvedValueOnce({ rowsAffected: 0, lastInsertId: 0 });
-    // For each starter: SELECT id FROM balance_categories + INSERT
+    // For each starter: SELECT category id, SELECT in-txn collision check, INSERT
     mockSelect
-      .mockResolvedValueOnce([{ id: 11 }]) // cash category
-      .mockResolvedValueOnce([{ id: 13 }]); // rrsp category
+      .mockResolvedValueOnce([{ id: 11 }])      // cash category lookup
+      .mockResolvedValueOnce([{ count: 0 }])    // S3 collision check for cash
+      .mockResolvedValueOnce([{ id: 13 }])      // rrsp category lookup
+      .mockResolvedValueOnce([{ count: 0 }]);   // S3 collision check for rrsp
     mockExecute
       .mockResolvedValueOnce({ rowsAffected: 1, lastInsertId: 100 }) // INSERT cash
       .mockResolvedValueOnce({ rowsAffected: 1, lastInsertId: 101 }) // INSERT rrsp
@@ -110,9 +112,33 @@ describe("proposeStarterAccounts", () => {
     expect(sqls.filter((s) => /INSERT INTO balance_accounts/.test(s))).toHaveLength(2);
   });
 
+  it("skips silently when in-txn collision check finds an existing account (S3)", async () => {
+    // BEGIN
+    mockExecute.mockResolvedValueOnce({ rowsAffected: 0, lastInsertId: 0 });
+    // First starter "cash": category lookup succeeds, collision check returns count=1 → skip
+    mockSelect
+      .mockResolvedValueOnce([{ id: 11 }])      // cash category lookup
+      .mockResolvedValueOnce([{ count: 1 }])    // S3 collision: cash already exists
+      // Second starter "rrsp": category lookup + clean collision check
+      .mockResolvedValueOnce([{ id: 13 }])      // rrsp category lookup
+      .mockResolvedValueOnce([{ count: 0 }]);   // rrsp clean
+    mockExecute
+      .mockResolvedValueOnce({ rowsAffected: 1, lastInsertId: 101 }) // INSERT rrsp
+      .mockResolvedValueOnce({ rowsAffected: 0, lastInsertId: 0 });  // COMMIT
+
+    const result = await proposeStarterAccounts(["cash", "rrsp"]);
+    expect(result).toEqual([101]); // only rrsp inserted, cash skipped silently
+
+    const sqls = mockExecute.mock.calls.map((c) => c[0]);
+    expect(sqls.filter((s) => /INSERT INTO balance_accounts/.test(s))).toHaveLength(1);
+    expect(sqls).toContain("COMMIT"); // no rollback — skip is normal flow
+  });
+
   it("rolls back on insert failure", async () => {
     mockExecute.mockResolvedValueOnce({ rowsAffected: 0, lastInsertId: 0 }); // BEGIN
-    mockSelect.mockResolvedValueOnce([{ id: 11 }]);
+    mockSelect
+      .mockResolvedValueOnce([{ id: 11 }])      // cash category
+      .mockResolvedValueOnce([{ count: 0 }]);   // S3 collision check clean
     mockExecute.mockRejectedValueOnce(new Error("disk full"));
     mockExecute.mockResolvedValueOnce({ rowsAffected: 0, lastInsertId: 0 }); // ROLLBACK
 

src/services/balance.service.ts

@@ -509,9 +509,11 @@ export async function getStarterCollisions(): Promise<Set<string>> {
  * in BEGIN/COMMIT — on any failure ROLLBACK is issued and the original error
  * is re-thrown. Returns the inserted account ids in input order.
  *
- * Callers MUST pre-filter `selectedKeys` against `getStarterCollisions()` so
- * we never INSERT a duplicate (the table has no UNIQUE on (name, category),
- * so collisions would silently create dupes if not guarded upstream).
+ * Callers SHOULD pre-filter `selectedKeys` against `getStarterCollisions()`
+ * to keep the UI honest, but each iteration ALSO re-checks for an existing
+ * (name, category) account inside the transaction and skips silently on a
+ * hit — a defense-in-depth guard since the table has no UNIQUE constraint
+ * on (name, balance_category_id). Returned ids exclude any skipped starter.
  */
 export async function proposeStarterAccounts(
   selectedKeys: string[]
@@ -538,6 +540,18 @@ export async function proposeStarterAccounts(
           `Seeded category '${starter.categoryKey}' missing — expected v9 schema`
         );
       }
+      // Defense-in-depth: re-check collision in-txn before INSERT so we
+      // never create a silent duplicate even if the upstream pre-filter
+      // raced or was bypassed (S3 from PR #185 review).
+      const existing = await db.select<{ count: number }[]>(
+        `SELECT COUNT(*) AS count FROM balance_accounts
+           WHERE name = $1 AND balance_category_id = $2
+             AND archived_at IS NULL`,
+        [starter.name, catRows[0].id]
+      );
+      if ((existing[0]?.count ?? 0) > 0) {
+        continue;
+      }
       const result = await db.execute(
         `INSERT INTO balance_accounts (balance_category_id, name, currency, is_active)
          VALUES ($1, $2, 'CAD', 1)`,