diff --git a/runtime/src/accounts.rs b/runtime/src/accounts.rs
index 62b1230fee..d91fa1fcef 100644
--- a/runtime/src/accounts.rs
+++ b/runtime/src/accounts.rs
@@ -127,17 +127,13 @@ 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(|(_, key)| !message.program_ids().contains(key))
-            {
+            for (i, key) in message.account_keys.iter().enumerate().filter(|(i, key)| {
+                !message.program_ids().contains(key) || message.is_key_passed_to_program(*i)
+            }) {
                 let (account, rent) = AccountsDB::load(storage, ancestors, accounts_index, key)
                     .and_then(|(mut account, _)| {
-                        let rent_due: u64;
-                        if message.is_writable(i) {
-                            rent_due = rent_collector.update(&mut account);
+                        if message.is_writable(i) && !account.executable {
+                            let rent_due = rent_collector.update(&mut account);
                             Some((account, rent_due))
                         } else {
                             Some((account, 0))
@@ -1125,12 +1121,12 @@ mod tests {
 
         let loaded_accounts = load_accounts(tx, &accounts, &mut error_counters);
 
-        assert_eq!(error_counters.invalid_account_for_fee, 1);
+        assert_eq!(error_counters.account_not_found, 1);
         assert_eq!(loaded_accounts.len(), 1);
         assert_eq!(
             loaded_accounts[0],
             (
-                Err(TransactionError::InvalidAccountForFee),
+                Err(TransactionError::AccountNotFound),
                 Some(HashAgeKind::Extant)
             )
         );
diff --git a/runtime/src/bank.rs b/runtime/src/bank.rs
index 000f7467df..7e06bf30dd 100644
--- a/runtime/src/bank.rs
+++ b/runtime/src/bank.rs
@@ -5566,4 +5566,46 @@ mod tests {
         assert_eq!(bank.get_balance(&from_pubkey), 80);
         assert_eq!(bank.get_balance(&to_pubkey), 20);
     }
+
+    #[test]
+    fn test_transaction_with_program_ids_passed_to_programs() {
+        let (genesis_config, mint_keypair) = create_genesis_config(500);
+        let mut bank = Bank::new(&genesis_config);
+
+        fn mock_process_instruction(
+            _program_id: &Pubkey,
+            _keyed_accounts: &[KeyedAccount],
+            _data: &[u8],
+        ) -> result::Result<(), InstructionError> {
+            Ok(())
+        }
+
+        let mock_program_id = Pubkey::new(&[2u8; 32]);
+        bank.add_instruction_processor(mock_program_id, mock_process_instruction);
+
+        let from_pubkey = Pubkey::new_rand();
+        let to_pubkey = Pubkey::new_rand();
+        let dup_pubkey = from_pubkey.clone();
+        let from_account = Account::new(100, 1, &mock_program_id);
+        let to_account = Account::new(0, 1, &mock_program_id);
+        bank.store_account(&from_pubkey, &from_account);
+        bank.store_account(&to_pubkey, &to_account);
+
+        let account_metas = vec![
+            AccountMeta::new(from_pubkey, false),
+            AccountMeta::new(to_pubkey, false),
+            AccountMeta::new(dup_pubkey, false),
+            AccountMeta::new(mock_program_id, false),
+        ];
+        let instruction = Instruction::new(mock_program_id, &10, account_metas);
+        let tx = Transaction::new_signed_with_payer(
+            vec![instruction],
+            Some(&mint_keypair.pubkey()),
+            &[&mint_keypair],
+            bank.last_blockhash(),
+        );
+
+        let result = bank.process_transaction(&tx);
+        assert_eq!(result, Ok(()));
+    }
 }
diff --git a/runtime/src/message_processor.rs b/runtime/src/message_processor.rs
index 578407e740..5a2fd2ad8f 100644
--- a/runtime/src/message_processor.rs
+++ b/runtime/src/message_processor.rs
@@ -336,9 +336,6 @@ impl MessageProcessor {
                 .ok_or(TransactionError::InvalidAccountIndex)?;
             let executable_accounts = &loaders[executable_index];
 
-            // TODO: panics on an index out of bounds if an executable
-            // account is also included as a regular account for an instruction, because the
-            // executable account is not passed in as part of the accounts slice
             let program_accounts: Vec<_> = instruction
                 .accounts
                 .iter()
diff --git a/sdk/src/message.rs b/sdk/src/message.rs
index f444ca7867..386fcd46a4 100644
--- a/sdk/src/message.rs
+++ b/sdk/src/message.rs
@@ -7,6 +7,7 @@ use crate::{
     short_vec, system_instruction,
 };
 use itertools::Itertools;
+use std::convert::TryFrom;
 
 fn position(keys: &[Pubkey], key: &Pubkey) -> u8 {
     keys.iter().position(|k| k == key).unwrap() as u8
@@ -233,6 +234,17 @@ impl Message {
             .collect()
     }
 
+    pub fn is_key_passed_to_program(&self, index: usize) -> bool {
+        if let Ok(index) = u8::try_from(index) {
+            for ix in self.instructions.iter() {
+                if ix.accounts.contains(&index) {
+                    return true;
+                }
+            }
+        }
+        false
+    }
+
     pub fn program_position(&self, index: usize) -> Option<usize> {
         let program_ids = self.program_ids();
         program_ids