diff --git a/web-admin/src/utils/oa-receive-account-value.test.ts b/web-admin/src/utils/oa-receive-account-value.test.ts
index e86ced27..b393281c 100644
--- a/web-admin/src/utils/oa-receive-account-value.test.ts
+++ b/web-admin/src/utils/oa-receive-account-value.test.ts
@@ -6,6 +6,8 @@ import {
   formatReceiveAccountLine,
   isReceiveAccountSnapshot,
   normalizeReceiveAccountModelValue,
+  optionLabelFromRow,
+  snapshotFromRow,
   type ReceiveAccountSnapshot
 } from './oa-receive-account-value'
 
@@ -65,4 +67,70 @@ describe('oa-receive-account-value', () => {
     const text = formatReceiveAccountDisplay([alipay, personal])
     assert.ok(text.includes('\n'))
   })
+  it('format line personal province only', () => {
+    const line = formatReceiveAccountLine({
+      ...personal,
+      bankCity: ''
+    })
+    assert.ok(line.includes('安徽省'))
+    assert.ok(!line.includes(' / '))
+  })
+  it('format line personal city only', () => {
+    const line = formatReceiveAccountLine({
+      ...personal,
+      bankProvince: ''
+    })
+    assert.ok(line.includes('合肥市'))
+    assert.ok(!line.includes(' / '))
+  })
+  it('optionLabelFromRow minimal row', () => {
+    assert.equal(
+      optionLabelFromRow({
+        accountType: 'alipay',
+        accountName: '张三',
+        accountNo: '13800138000'
+      }),
+      '支付宝 · 张三 · 13800138000'
+    )
+  })
+  it('optionLabelFromRow unknown type falls back to raw type', () => {
+    assert.equal(
+      optionLabelFromRow({
+        accountType: 'other',
+        accountName: '王五',
+        accountNo: '9999'
+      }),
+      'other · 王五 · 9999'
+    )
+  })
+  it('snapshotFromRow maps and trims fields', () => {
+    assert.deepEqual(
+      snapshotFromRow({
+        id: ' 10 ',
+        accountType: 'corporate',
+        accountName: ' 公司 ',
+        accountNo: ' 123 ',
+        bankName: '建行',
+        bankProvince: '北京',
+        bankCity: '北京',
+        bankBranch: '分行',
+        remark: '备注'
+      }),
+      {
+        id: '10',
+        accountType: 'corporate',
+        accountName: '公司',
+        accountNo: '123',
+        bankName: '建行',
+        bankProvince: '北京',
+        bankCity: '北京',
+        bankBranch: '分行',
+        remark: '备注'
+      }
+    )
+  })
+  it('snapshotFromRow defaults invalid type to personal', () => {
+    const snap = snapshotFromRow({ id: '1', accountType: 'invalid' })
+    assert.equal(snap.accountType, 'personal')
+  })
 })
diff --git a/web-admin/src/utils/oa-receive-account-value.ts b/web-admin/src/utils/oa-receive-account-value.ts
index 09b7e723..de31fa60 100644
--- a/web-admin/src/utils/oa-receive-account-value.ts
+++ b/web-admin/src/utils/oa-receive-account-value.ts
@@ -78,8 +78,11 @@ export function formatReceiveAccountLine(item: ReceiveAccountSnapshot): string {
   ]
   if (item.accountType === 'personal' || item.accountType === 'corporate') {
     if (item.bankName) parts.push(item.bankName)
-    if (item.bankProvince || item.bankCity) {
-      parts.push(`${item.bankProvince} / ${item.bankCity}`)
+    const { bankProvince, bankCity } = item
+    if (bankProvince && bankCity) {
+      parts.push(`${bankProvince} / ${bankCity}`)
+    } else if (bankProvince || bankCity) {
+      parts.push(bankProvince || bankCity)
     }
     if (item.bankBranch) parts.push(item.bankBranch)
   }
@@ -93,14 +96,16 @@ export function formatReceiveAccountDisplay(raw: unknown): string {
     .join('\n')
 }
 
-export function optionLabelFromRow(row: ReceiveAccountSnapshot): string {
-  return [
-    ACCOUNT_TYPE_LABEL[row.accountType],
-    row.accountName,
-    row.accountNo
-  ]
-    .filter(Boolean)
-    .join(' · ')
+export function optionLabelFromRow(row: {
+  accountType: ReceiveAccountType | string
+  accountName: string
+  accountNo: string
+}): string {
+  const typeLabel =
+    (isReceiveAccountType(row.accountType)
+      ? ACCOUNT_TYPE_LABEL[row.accountType]
+      : undefined) || row.accountType
+  return [typeLabel, row.accountName, row.accountNo].filter(Boolean).join(' · ')
 }
 
 export function snapshotFromRow(row: any): ReceiveAccountSnapshot {