diff --git a/code/modules/economy/economy_machinery/eftpos.dm b/code/modules/economy/economy_machinery/eftpos.dm
index 22681fa67c6..5826d1db063 100644
--- a/code/modules/economy/economy_machinery/eftpos.dm
+++ b/code/modules/economy/economy_machinery/eftpos.dm
@@ -182,6 +182,9 @@
 		return
 
 	var/datum/money_account/D = GLOB.station_money_database.find_user_account(C.associated_account_number, include_departments = FALSE)
+	if(!D)
+		to_chat(user, "<span class='warning'>Your currently in use card is not connected to a money account.</span>")
+		return
 	//if security level high enough, prompt for pin
 	var/attempt_pin
 	if(D.security_level != ACCOUNT_SECURITY_ID)
@@ -189,7 +192,7 @@
 		if(!attempt_pin || !Adjacent(user))
 			return
 	//given the credentials, can the associated account be accessed right now?
-	if(!D || !GLOB.station_money_database.try_authenticate_login(D, attempt_pin, restricted_bypass = FALSE))
+	if(!GLOB.station_money_database.try_authenticate_login(D, attempt_pin, restricted_bypass = FALSE))
 		to_chat(user, "[bicon(src)]<span class='warning'>Unable to access account, insufficient access.</span>")
 		return
 	if(alert("Are you sure you want to pay $[transaction_amount] to: [linked_account.account_name] ", "Confirm transaction", "Yes", "No") != "Yes")