Fix invoice showing 'waiting for bank account' when user has VBBA (#78241)

[Walle2131235]

Fixed Issues

• $ [$500] Invoice shows waiting for user to add a bank account despite payer already having a verified bank account #78241

Changes

• Modified src/libs/ReportUtils.ts to check if policy has a verified business bank account (VBBA) before showing the 'waiting for bank account' message
• Added VBBA check: !!policy?.achAccount?.bankAccountID && policy.achAccount.state === CONST.BANK_ACCOUNT.STATE.OPEN
• Only shows 'waiting for bank account' message when user actually doesn't have a VBBA set up

Tests

• TypeScript compilation: ✅ Pass
• Logic: Checks policy.achAccount state matches pattern used elsewhere in codebase (SearchUIUtils.ts, WorkspaceWorkflowsPage.tsx)

Why This Fix Is Needed

When a payer pays an invoice with a credit card, users with an existing Verified Business Bank Account (VBBA) were incorrectly seeing the message: '[payer] started payment, but is waiting for [payee] to add a bank account.'

This fix ensures the message only appears when the user actually needs to add a bank account.

Related

• Issue reported by: @stephanieelliott
• Issue owner: @huult

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[chatgpt-codex-connector]

Check VBBA against report policy data

Use the report-linked policy here instead of the optional policy argument, because most getReportPreviewMessage() callers pass null/undefined for that parameter (for example src/libs/OptionsListUtils/index.ts at lines 687 and 716), which makes hasVBBA evaluate false and keeps showing iou.waitingOnBankAccount even when the report's workspace already has an open VBBA. In those common paths this change does not actually fix the invoice preview message bug.

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[huult]

Please don't open a PR before it is approved. Let's close this PR.