diff --git a/runtime/src/accounts.rs b/runtime/src/accounts.rs
index e20ecfdd6c..a2b684b0ef 100644
--- a/runtime/src/accounts.rs
+++ b/runtime/src/accounts.rs
@@ -18,6 +18,7 @@ use solana_sdk::{
     account::Account,
     clock::Slot,
     hash::Hash,
+    message::Message,
     native_loader, nonce,
     pubkey::Pubkey,
     transaction::Result,
@@ -156,9 +157,12 @@ impl Accounts {
             // If a fee can pay for execution then the program will be scheduled
             let mut accounts: TransactionAccounts = Vec::with_capacity(message.account_keys.len());
             let mut tx_rent: TransactionRent = 0;
-            for (i, key) in message.account_keys.iter().enumerate().filter(|(i, key)| {
-                !message.program_ids().contains(key) || message.is_key_passed_to_program(*i)
-            }) {
+            for (i, key) in message
+                .account_keys
+                .iter()
+                .enumerate()
+                .filter(|(i, key)| Self::is_non_loader_key(message, key, *i))
+            {
                 let (account, rent) = AccountsDB::load(storage, ancestors, accounts_index, key)
                     .and_then(|(mut account, _)| {
                         if message.is_writable(i) && !account.executable {
@@ -616,6 +620,10 @@ impl Accounts {
         self.accounts_db.add_root(slot)
     }
 
+    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],
@@ -651,6 +659,7 @@ impl Accounts {
                 .account_keys
                 .iter()
                 .enumerate()
+                .filter(|(i, key)| Self::is_non_loader_key(message, key, *i))
                 .zip(acc.0.iter_mut())
             {
                 nonce_utils::prepare_if_nonce_account(
diff --git a/runtime/src/bank.rs b/runtime/src/bank.rs
index 781e4e342b..9d096f4b2b 100644
--- a/runtime/src/bank.rs
+++ b/runtime/src/bank.rs
@@ -5758,4 +5758,44 @@ mod tests {
         let result = bank.process_transaction(&tx);
         assert_eq!(result, Ok(()));
     }
+
+    #[test]
+    fn test_account_ids_after_program_ids() {
+        solana_logger::setup();
+        let (genesis_config, mint_keypair) = create_genesis_config(500);
+        let mut bank = Bank::new(&genesis_config);
+
+        let from_pubkey = Pubkey::new_rand();
+        let to_pubkey = Pubkey::new_rand();
+
+        let account_metas = vec![
+            AccountMeta::new(from_pubkey, false),
+            AccountMeta::new(to_pubkey, false),
+        ];
+
+        let instruction = Instruction::new(solana_vote_program::id(), &10, account_metas);
+        let mut tx = Transaction::new_signed_with_payer(
+            vec![instruction],
+            Some(&mint_keypair.pubkey()),
+            &[&mint_keypair],
+            bank.last_blockhash(),
+        );
+
+        tx.message.account_keys.push(Pubkey::new_rand());
+
+        fn mock_vote_processor(
+            _pubkey: &Pubkey,
+            _ka: &[KeyedAccount],
+            _data: &[u8],
+        ) -> std::result::Result<(), InstructionError> {
+            Ok(())
+        }
+
+        bank.add_instruction_processor(solana_vote_program::id(), mock_vote_processor);
+        let result = bank.process_transaction(&tx);
+        assert_eq!(result, Ok(()));
+        let account = bank.get_account(&solana_vote_program::id()).unwrap();
+        info!("account: {:?}", account);
+        assert!(account.executable);
+    }
 }