diff --git a/runtime/src/accounts.rs b/runtime/src/accounts.rs
index 371140886f..a7680589ab 100644
--- a/runtime/src/accounts.rs
+++ b/runtime/src/accounts.rs
@@ -152,7 +152,7 @@ impl Accounts {
             let rent_fix_enabled = feature_set.cumulative_rent_related_fixes_enabled();
 
             for (i, key) in message.account_keys.iter().enumerate() {
-                let account = if Self::is_non_loader_key(message, key, i) {
+                let account = if message.is_non_loader_key(key, i) {
                     if payer_index.is_none() {
                         payer_index = Some(i);
                     }
@@ -793,10 +793,6 @@ impl Accounts {
         self.accounts_db.add_root(slot)
     }
 
-    pub fn is_non_loader_key(message: &Message, key: &Pubkey, key_index: usize) -> bool {
-        !message.program_ids().contains(&key) || message.is_key_passed_to_program(key_index)
-    }
-
     fn collect_accounts_to_store<'a>(
         &self,
         txs: &'a [Transaction],
@@ -843,7 +839,7 @@ impl Accounts {
                 .iter()
                 .enumerate()
                 .zip(acc.0.iter_mut())
-                .filter(|((i, key), _account)| Self::is_non_loader_key(message, key, *i))
+                .filter(|((i, key), _account)| message.is_non_loader_key(key, *i))
             {
                 let is_nonce_account = prepare_if_nonce_account(
                     account,
diff --git a/runtime/src/bank.rs b/runtime/src/bank.rs
index ad2a0a4597..06e8ca2392 100644
--- a/runtime/src/bank.rs
+++ b/runtime/src/bank.rs
@@ -515,7 +515,7 @@ impl NonceRollbackFull {
             .account_keys
             .iter()
             .enumerate()
-            .find(|(i, k)| Accounts::is_non_loader_key(message, k, *i))
+            .find(|(i, k)| message.is_non_loader_key(k, *i))
             .and_then(|(i, k)| accounts.get(i).cloned().map(|a| (*k, a)));
         if let Some((fee_pubkey, fee_account)) = fee_payer {
             if fee_pubkey == nonce_address {
diff --git a/sdk/program/src/message.rs b/sdk/program/src/message.rs
index ad4ba63f12..c58442500f 100644
--- a/sdk/program/src/message.rs
+++ b/sdk/program/src/message.rs
@@ -298,6 +298,10 @@ impl Message {
         false
     }
 
+    pub fn is_non_loader_key(&self, key: &Pubkey, key_index: usize) -> bool {
+        !self.program_ids().contains(&key) || self.is_key_passed_to_program(key_index)
+    }
+
     pub fn program_position(&self, index: usize) -> Option<usize> {
         let program_ids = self.program_ids();
         program_ids
@@ -794,4 +798,61 @@ mod tests {
             );
         }
     }
+
+    #[test]
+    fn test_program_ids() {
+        let key0 = Pubkey::new_unique();
+        let key1 = Pubkey::new_unique();
+        let loader2 = Pubkey::new_unique();
+        let instructions = vec![CompiledInstruction::new(2, &(), vec![0, 1])];
+        let message = Message::new_with_compiled_instructions(
+            1,
+            0,
+            2,
+            vec![key0, key1, loader2],
+            Hash::default(),
+            instructions,
+        );
+        assert_eq!(message.program_ids(), vec![&loader2]);
+    }
+
+    #[test]
+    fn test_is_key_passed_to_program() {
+        let key0 = Pubkey::new_unique();
+        let key1 = Pubkey::new_unique();
+        let loader2 = Pubkey::new_unique();
+        let instructions = vec![CompiledInstruction::new(2, &(), vec![0, 1])];
+        let message = Message::new_with_compiled_instructions(
+            1,
+            0,
+            2,
+            vec![key0, key1, loader2],
+            Hash::default(),
+            instructions,
+        );
+
+        assert!(message.is_key_passed_to_program(0));
+        assert!(message.is_key_passed_to_program(1));
+        assert!(!message.is_key_passed_to_program(2));
+    }
+
+    #[test]
+    fn test_is_non_loader_key() {
+        let key0 = Pubkey::new_unique();
+        let key1 = Pubkey::new_unique();
+        let loader2 = Pubkey::new_unique();
+        let instructions = vec![CompiledInstruction::new(2, &(), vec![0, 1])];
+        let message = Message::new_with_compiled_instructions(
+            1,
+            0,
+            2,
+            vec![key0, key1, loader2],
+            Hash::default(),
+            instructions,
+        );
+
+        assert!(message.is_non_loader_key(&key0, 0));
+        assert!(message.is_non_loader_key(&key1, 1));
+        assert!(!message.is_non_loader_key(&loader2, 2));
+    }
 }