diff --git a/ledger-tool/src/main.rs b/ledger-tool/src/main.rs
index 8dedd83e4..9cc982567 100644
--- a/ledger-tool/src/main.rs
+++ b/ledger-tool/src/main.rs
@@ -1908,12 +1908,12 @@ fn main() {
             }
         }
         ("verify", Some(arg_matches)) => {
-            let accounts_index_config = value_t!(arg_matches, "accounts_index_bins", usize)
-                .ok()
-                .map(|bins| AccountsIndexConfig { bins: Some(bins) });
-
+            let mut accounts_index_config = AccountsIndexConfig::default();
+            if let Some(bins) = value_t!(matches, "accounts_index_bins", usize).ok() {
+                accounts_index_config.bins = Some(bins);
+            }
             let accounts_db_config = Some(AccountsDbConfig {
-                index: accounts_index_config,
+                index: Some(accounts_index_config),
                 accounts_hash_cache_path: Some(ledger_path.clone()),
             });
 
diff --git a/runtime/src/accounts_index.rs b/runtime/src/accounts_index.rs
index 8324cdbea..21e32a650 100644
--- a/runtime/src/accounts_index.rs
+++ b/runtime/src/accounts_index.rs
@@ -4112,7 +4112,10 @@ pub mod tests {
 
     #[test]
     #[should_panic(expected = "bins.is_power_of_two()")]
+    #[allow(clippy::field_reassign_with_default)]
     fn test_illegal_bins() {
-        AccountsIndex::<bool>::new(Some(AccountsIndexConfig { bins: Some(3) }));
+        let mut config = AccountsIndexConfig::default();
+        config.bins = Some(3);
+        AccountsIndex::<bool>::new(Some(config));
     }
 }
diff --git a/validator/src/main.rs b/validator/src/main.rs
index e34af4529..ee598272e 100644
--- a/validator/src/main.rs
+++ b/validator/src/main.rs
@@ -2487,12 +2487,13 @@ pub fn main() {
             _ => unreachable!(),
         };
 
-    let accounts_index_config = value_t!(matches, "accounts_index_bins", usize)
-        .ok()
-        .map(|bins| AccountsIndexConfig { bins: Some(bins) });
+    let mut accounts_index_config = AccountsIndexConfig::default();
+    if let Some(bins) = value_t!(matches, "accounts_index_bins", usize).ok() {
+        accounts_index_config.bins = Some(bins);
+    }
 
     let accounts_db_config = Some(AccountsDbConfig {
-        index: accounts_index_config,
+        index: Some(accounts_index_config),
         accounts_hash_cache_path: Some(ledger_path.clone()),
     });