diff --git a/zcash_client_backend/src/keys.rs b/zcash_client_backend/src/keys.rs
index 0515ff3e9..0cfe00b7c 100644
--- a/zcash_client_backend/src/keys.rs
+++ b/zcash_client_backend/src/keys.rs
@@ -364,7 +364,10 @@ mod tests {
     #[cfg(feature = "transparent-inputs")]
     use {
         crate::encoding::AddressCodec,
-        zcash_primitives::{legacy, legacy::keys::IncomingViewingKey},
+        zcash_primitives::legacy::{
+            self,
+            keys::{AccountPrivKey, IncomingViewingKey},
+        },
     };
 
     #[cfg(feature = "transparent-inputs")]
@@ -409,7 +412,11 @@ mod tests {
         };
 
         #[cfg(feature = "transparent-inputs")]
-        let transparent = { None };
+        let transparent = {
+            let privkey =
+                AccountPrivKey::from_seed(&MAIN_NETWORK, &[0; 32], AccountId::from(0)).unwrap();
+            Some(privkey.to_account_pubkey())
+        };
 
         let ufvk = UnifiedFullViewingKey::new(
             #[cfg(feature = "transparent-inputs")]
@@ -419,12 +426,24 @@ mod tests {
         )
         .unwrap();
 
-        let encoding = ufvk.encode(&MAIN_NETWORK);
-        let decoded = UnifiedFullViewingKey::decode(&MAIN_NETWORK, &encoding).unwrap();
+        let encoded = ufvk.encode(&MAIN_NETWORK);
+
+        // test encoded form against known values
+        let encoded_with_t = "uview1tg6rpjgju2s2j37gkgjq79qrh5lvzr6e0ed3n4sf4hu5qd35vmsh7avl80xa6mx7ryqce9hztwaqwrdthetpy4pc0kce25x453hwcmax02p80pg5savlg865sft9reat07c5vlactr6l2pxtlqtqunt2j9gmvr8spcuzf07af80h5qmut38h0gvcfa9k4rwujacwwca9vu8jev7wq6c725huv8qjmhss3hdj2vh8cfxhpqcm2qzc34msyrfxk5u6dqttt4vv2mr0aajreww5yufpk0gn4xkfm888467k7v6fmw7syqq6cceu078yw8xja502jxr0jgum43lhvpzmf7eu5dmnn6cr6f7p43yw8znzgxg598mllewnx076hljlvynhzwn5es94yrv65tdg3utuz2u3sras0wfcq4adxwdvlk387d22g3q98t5z74quw2fa4wed32escx8dwh4mw35t4jwf35xyfxnu83mk5s4kw2glkgsshmxk";
+        let _encoded_no_t = "uview12z384wdq76ceewlsu0esk7d97qnd23v2qnvhujxtcf2lsq8g4hwzpx44fwxssnm5tg8skyh4tnc8gydwxefnnm0hd0a6c6etmj0pp9jqkdsllkr70u8gpf7ndsfqcjlqn6dec3faumzqlqcmtjf8vp92h7kj38ph2786zx30hq2wru8ae3excdwc8w0z3t9fuw7mt7xy5sn6s4e45kwm0cjp70wytnensgdnev286t3vew3yuwt2hcz865y037k30e428dvgne37xvyeal2vu8yjnznphf9t2rw3gdp0hk5zwq00ws8f3l3j5n3qkqgsyzrwx4qzmgq0xwwk4vz2r6vtsykgz089jncvycmem3535zjwvvtvjw8v98y0d5ydwte575gjm7a7k";
+        #[cfg(feature = "transparent-inputs")]
+        assert_eq!(encoded, encoded_with_t);
+        #[cfg(not(feature = "transparent-inputs"))]
+        assert_eq!(encoded, _encoded_no_t);
+
+        let decoded = UnifiedFullViewingKey::decode(&MAIN_NETWORK, &encoded).unwrap();
+        let reencoded = decoded.encode(&MAIN_NETWORK);
+        assert_eq!(encoded, reencoded);
+
         #[cfg(feature = "transparent-inputs")]
         assert_eq!(
             decoded.transparent.map(|t| t.serialize()),
-            ufvk.transparent.map(|t| t.serialize()),
+            ufvk.transparent.as_ref().map(|t| t.serialize()),
         );
         assert_eq!(
             decoded.sapling.map(|s| s.to_bytes()),
@@ -434,5 +453,14 @@ mod tests {
             decoded.orchard.map(|o| o.to_bytes()),
             ufvk.orchard.map(|o| o.to_bytes()),
         );
+
+        let decoded_with_t = UnifiedFullViewingKey::decode(&MAIN_NETWORK, encoded_with_t).unwrap();
+        #[cfg(feature = "transparent-inputs")]
+        assert_eq!(
+            decoded_with_t.transparent.map(|t| t.serialize()),
+            ufvk.transparent.as_ref().map(|t| t.serialize()),
+        );
+        #[cfg(not(feature = "transparent-inputs"))]
+        assert_eq!(decoded_with_t.unknown.len(), 1);
     }
 }
diff --git a/zcash_client_sqlite/src/lib.rs b/zcash_client_sqlite/src/lib.rs
index f9f1fe7b4..d3fc28555 100644
--- a/zcash_client_sqlite/src/lib.rs
+++ b/zcash_client_sqlite/src/lib.rs
@@ -728,6 +728,7 @@ mod tests {
     use protobuf::Message;
     use rand_core::{OsRng, RngCore};
     use rusqlite::params;
+    use std::collections::HashMap;
 
     use zcash_client_backend::{
         keys::{sapling, UnifiedFullViewingKey},
@@ -809,7 +810,8 @@ mod tests {
         )
         .unwrap();
 
-        init_accounts_table(db_data, &[ufvk]).unwrap();
+        let ufvks = HashMap::from([(account, ufvk)]);
+        init_accounts_table(db_data, &ufvks).unwrap();
 
         (dfvk, taddr)
     }
diff --git a/zcash_client_sqlite/src/wallet/init.rs b/zcash_client_sqlite/src/wallet/init.rs
index 4a6cf8075..76b26ac5c 100644
--- a/zcash_client_sqlite/src/wallet/init.rs
+++ b/zcash_client_sqlite/src/wallet/init.rs
@@ -1,10 +1,12 @@
 //! Functions for initializing the various databases.
 
 use rusqlite::{params, types::ToSql, NO_PARAMS};
+use std::collections::HashMap;
 
 use zcash_primitives::{
     block::BlockHash,
     consensus::{self, BlockHeight},
+    zip32::AccountId,
 };
 
 use zcash_client_backend::keys::UnifiedFullViewingKey;
@@ -154,6 +156,7 @@ pub fn init_wallet_db<P>(wdb: &WalletDb<P>) -> Result<(), rusqlite::Error> {
 /// # #[cfg(feature = "transparent-inputs")]
 /// # {
 /// use tempfile::NamedTempFile;
+/// use std::collections::HashMap;
 ///
 /// use zcash_primitives::{
 ///     consensus::{Network, Parameters},
@@ -181,7 +184,8 @@ pub fn init_wallet_db<P>(wdb: &WalletDb<P>) -> Result<(), rusqlite::Error> {
 /// let extsk = sapling::spending_key(&seed, Network::TestNetwork.coin_type(), account);
 /// let dfvk = ExtendedFullViewingKey::from(&extsk).into();
 /// let ufvk = UnifiedFullViewingKey::new(None, Some(dfvk), None).unwrap();
-/// init_accounts_table(&db_data, &[ufvk]).unwrap();
+/// let ufvks = HashMap::from([(account, ufvk)]);
+/// init_accounts_table(&db_data, &ufvks).unwrap();
 /// # }
 /// ```
 ///
@@ -190,7 +194,7 @@ pub fn init_wallet_db<P>(wdb: &WalletDb<P>) -> Result<(), rusqlite::Error> {
 /// [`create_spend_to_address`]: zcash_client_backend::data_api::wallet::create_spend_to_address
 pub fn init_accounts_table<P: consensus::Parameters>(
     wdb: &WalletDb<P>,
-    keys: &[UnifiedFullViewingKey],
+    keys: &HashMap<AccountId, UnifiedFullViewingKey>,
 ) -> Result<(), SqliteClientError> {
     let mut empty_check = wdb.conn.prepare("SELECT * FROM accounts LIMIT 1")?;
     if empty_check.exists(NO_PARAMS)? {
@@ -199,7 +203,7 @@ pub fn init_accounts_table<P: consensus::Parameters>(
 
     // Insert accounts atomically
     wdb.conn.execute("BEGIN IMMEDIATE", NO_PARAMS)?;
-    for (account, key) in (0u32..).zip(keys) {
+    for (account, key) in keys.iter() {
         let ufvk_str: String = key.encode(&wdb.params);
         let address_str: String = key.default_address().0.encode(&wdb.params);
         #[cfg(feature = "transparent-inputs")]
@@ -214,7 +218,7 @@ pub fn init_accounts_table<P: consensus::Parameters>(
         wdb.conn.execute(
             "INSERT INTO accounts (account, ufvk, address, transparent_address)
             VALUES (?, ?, ?, ?)",
-            params![account, ufvk_str, address_str, taddress_str],
+            params![<u32>::from(*account), ufvk_str, address_str, taddress_str],
         )?;
     }
     wdb.conn.execute("COMMIT", NO_PARAMS)?;
@@ -283,6 +287,7 @@ pub fn init_blocks_table<P>(
 #[cfg(test)]
 #[allow(deprecated)]
 mod tests {
+    use std::collections::HashMap;
     use tempfile::NamedTempFile;
 
     use zcash_client_backend::keys::{sapling, UnifiedFullViewingKey, UnifiedSpendingKey};
@@ -312,8 +317,8 @@ mod tests {
         init_wallet_db(&db_data).unwrap();
 
         // We can call the function as many times as we want with no data
-        init_accounts_table(&db_data, &[]).unwrap();
-        init_accounts_table(&db_data, &[]).unwrap();
+        init_accounts_table(&db_data, &HashMap::new()).unwrap();
+        init_accounts_table(&db_data, &HashMap::new()).unwrap();
 
         let seed = [0u8; 32];
         let account = AccountId::from(0);
@@ -336,12 +341,13 @@ mod tests {
 
         #[cfg(not(feature = "transparent-inputs"))]
         let ufvk = UnifiedFullViewingKey::new(Some(dfvk), None).unwrap();
+        let ufvks = HashMap::from([(account, ufvk)]);
 
-        init_accounts_table(&db_data, &[ufvk.clone()]).unwrap();
+        init_accounts_table(&db_data, &ufvks).unwrap();
 
         // Subsequent calls should return an error
-        init_accounts_table(&db_data, &[]).unwrap_err();
-        init_accounts_table(&db_data, &[ufvk]).unwrap_err();
+        init_accounts_table(&db_data, &HashMap::new()).unwrap_err();
+        init_accounts_table(&db_data, &ufvks).unwrap_err();
     }
 
     #[test]
@@ -384,7 +390,8 @@ mod tests {
         let usk = UnifiedSpendingKey::from_seed(&tests::network(), &seed, account_id).unwrap();
         let ufvk = usk.to_unified_full_viewing_key();
         let expected_address = ufvk.sapling().unwrap().default_address().1;
-        init_accounts_table(&db_data, &[ufvk]).unwrap();
+        let ufvks = HashMap::from([(account_id, ufvk)]);
+        init_accounts_table(&db_data, &ufvks).unwrap();
 
         // The account's address should be in the data DB
         let pa = get_address(&db_data, AccountId::from(0)).unwrap();
diff --git a/zcash_client_sqlite/src/wallet/transact.rs b/zcash_client_sqlite/src/wallet/transact.rs
index 8b703dfc6..d20b74edb 100644
--- a/zcash_client_sqlite/src/wallet/transact.rs
+++ b/zcash_client_sqlite/src/wallet/transact.rs
@@ -157,6 +157,7 @@ pub fn select_spendable_sapling_notes<P>(
 #[allow(deprecated)]
 mod tests {
     use rusqlite::Connection;
+    use std::collections::HashMap;
     use tempfile::NamedTempFile;
 
     use zcash_proofs::prover::LocalTxProver;
@@ -207,32 +208,45 @@ mod tests {
         let db_data = WalletDb::for_path(data_file.path(), tests::network()).unwrap();
         init_wallet_db(&db_data).unwrap();
 
+        let acct0 = AccountId::from(0);
+        let acct1 = AccountId::from(1);
+
         // Add two accounts to the wallet
-        let extsk0 = sapling::spending_key(&[0u8; 32], network().coin_type(), AccountId::from(0));
-        let extsk1 = sapling::spending_key(&[1u8; 32], network().coin_type(), AccountId::from(1));
+        let extsk0 = sapling::spending_key(&[0u8; 32], network().coin_type(), acct0);
+        let extsk1 = sapling::spending_key(&[1u8; 32], network().coin_type(), acct1);
         let dfvk0 = DiversifiableFullViewingKey::from(ExtendedFullViewingKey::from(&extsk0));
         let dfvk1 = DiversifiableFullViewingKey::from(ExtendedFullViewingKey::from(&extsk1));
 
         #[cfg(feature = "transparent-inputs")]
         let ufvks = {
             let tsk0 =
-                transparent::AccountPrivKey::from_seed(&network(), &[0u8; 32], AccountId::from(0))
-                    .unwrap();
+                transparent::AccountPrivKey::from_seed(&network(), &[0u8; 32], acct0).unwrap();
             let tsk1 =
-                transparent::AccountPrivKey::from_seed(&network(), &[1u8; 32], AccountId::from(1))
-                    .unwrap();
-            [
-                UnifiedFullViewingKey::new(Some(tsk0.to_account_pubkey()), Some(dfvk0), None)
-                    .unwrap(),
-                UnifiedFullViewingKey::new(Some(tsk1.to_account_pubkey()), Some(dfvk1), None)
-                    .unwrap(),
-            ]
+                transparent::AccountPrivKey::from_seed(&network(), &[1u8; 32], acct1).unwrap();
+            HashMap::from([
+                (
+                    acct0,
+                    UnifiedFullViewingKey::new(Some(tsk0.to_account_pubkey()), Some(dfvk0), None)
+                        .unwrap(),
+                ),
+                (
+                    acct1,
+                    UnifiedFullViewingKey::new(Some(tsk1.to_account_pubkey()), Some(dfvk1), None)
+                        .unwrap(),
+                ),
+            ])
         };
         #[cfg(not(feature = "transparent-inputs"))]
-        let ufvks = [
-            UnifiedFullViewingKey::new(Some(dfvk0), None).unwrap(),
-            UnifiedFullViewingKey::new(Some(dfvk1), None).unwrap(),
-        ];
+        let ufvks = HashMap::from([
+            (
+                acct0,
+                UnifiedFullViewingKey::new(Some(dfvk0), None).unwrap(),
+            ),
+            (
+                acct1,
+                UnifiedFullViewingKey::new(Some(dfvk1), None).unwrap(),
+            ),
+        ]);
 
         init_accounts_table(&db_data, &ufvks).unwrap();
         let to = extsk0.default_address().1.into();
@@ -279,14 +293,16 @@ mod tests {
         init_wallet_db(&db_data).unwrap();
 
         // Add an account to the wallet
-        let extsk = sapling::spending_key(&[0u8; 32], network().coin_type(), AccountId::from(0));
+        let account_id = AccountId::from(0);
+        let extsk = sapling::spending_key(&[0u8; 32], network().coin_type(), account_id);
         let dfvk = DiversifiableFullViewingKey::from(ExtendedFullViewingKey::from(&extsk));
 
         #[cfg(feature = "transparent-inputs")]
         let ufvk = UnifiedFullViewingKey::new(None, Some(dfvk), None).unwrap();
         #[cfg(not(feature = "transparent-inputs"))]
         let ufvk = UnifiedFullViewingKey::new(Some(dfvk), None).unwrap();
-        init_accounts_table(&db_data, &[ufvk]).unwrap();
+        let ufvks = HashMap::from([(account_id, ufvk)]);
+        init_accounts_table(&db_data, &ufvks).unwrap();
         let to = extsk.default_address().1.into();
 
         // We cannot do anything if we aren't synchronised
@@ -323,13 +339,15 @@ mod tests {
         .unwrap();
 
         // Add an account to the wallet
-        let extsk = sapling::spending_key(&[0u8; 32], network().coin_type(), AccountId::from(0));
+        let account_id = AccountId::from(0);
+        let extsk = sapling::spending_key(&[0u8; 32], network().coin_type(), account_id);
         let dfvk = DiversifiableFullViewingKey::from(ExtendedFullViewingKey::from(&extsk));
         #[cfg(feature = "transparent-inputs")]
         let ufvk = UnifiedFullViewingKey::new(None, Some(dfvk), None).unwrap();
         #[cfg(not(feature = "transparent-inputs"))]
         let ufvk = UnifiedFullViewingKey::new(Some(dfvk), None).unwrap();
-        init_accounts_table(&db_data, &[ufvk]).unwrap();
+        let ufvks = HashMap::from([(account_id, ufvk)]);
+        init_accounts_table(&db_data, &ufvks).unwrap();
         let to = extsk.default_address().1.into();
 
         // Account balance should be zero
@@ -371,13 +389,15 @@ mod tests {
         init_wallet_db(&db_data).unwrap();
 
         // Add an account to the wallet
-        let extsk = sapling::spending_key(&[0u8; 32], network().coin_type(), AccountId::from(0));
+        let account_id = AccountId::from(0);
+        let extsk = sapling::spending_key(&[0u8; 32], network().coin_type(), account_id);
         let dfvk = DiversifiableFullViewingKey::from(ExtendedFullViewingKey::from(&extsk));
         #[cfg(feature = "transparent-inputs")]
         let ufvk = UnifiedFullViewingKey::new(None, Some(dfvk.clone()), None).unwrap();
         #[cfg(not(feature = "transparent-inputs"))]
         let ufvk = UnifiedFullViewingKey::new(Some(dfvk.clone()), None).unwrap();
-        init_accounts_table(&db_data, &[ufvk]).unwrap();
+        let ufvks = HashMap::from([(account_id, ufvk)]);
+        init_accounts_table(&db_data, &ufvks).unwrap();
 
         // Add funds to the wallet in a single note
         let value = Amount::from_u64(50000).unwrap();
@@ -504,13 +524,15 @@ mod tests {
         init_wallet_db(&db_data).unwrap();
 
         // Add an account to the wallet
-        let extsk = sapling::spending_key(&[0u8; 32], network().coin_type(), AccountId::from(0));
+        let account_id = AccountId::from(0);
+        let extsk = sapling::spending_key(&[0u8; 32], network().coin_type(), account_id);
         let dfvk = DiversifiableFullViewingKey::from(ExtendedFullViewingKey::from(&extsk));
         #[cfg(feature = "transparent-inputs")]
         let ufvk = UnifiedFullViewingKey::new(None, Some(dfvk.clone()), None).unwrap();
         #[cfg(not(feature = "transparent-inputs"))]
         let ufvk = UnifiedFullViewingKey::new(Some(dfvk.clone()), None).unwrap();
-        init_accounts_table(&db_data, &[ufvk]).unwrap();
+        let ufvks = HashMap::from([(account_id, ufvk)]);
+        init_accounts_table(&db_data, &ufvks).unwrap();
 
         // Add funds to the wallet in a single note
         let value = Amount::from_u64(50000).unwrap();
@@ -633,13 +655,15 @@ mod tests {
         init_wallet_db(&db_data).unwrap();
 
         // Add an account to the wallet
-        let extsk = sapling::spending_key(&[0u8; 32], network.coin_type(), AccountId::from(0));
+        let account_id = AccountId::from(0);
+        let extsk = sapling::spending_key(&[0u8; 32], network.coin_type(), account_id);
         let dfvk = DiversifiableFullViewingKey::from(ExtendedFullViewingKey::from(&extsk));
         #[cfg(feature = "transparent-inputs")]
         let ufvk = UnifiedFullViewingKey::new(None, Some(dfvk.clone()), None).unwrap();
         #[cfg(not(feature = "transparent-inputs"))]
         let ufvk = UnifiedFullViewingKey::new(Some(dfvk.clone()), None).unwrap();
-        init_accounts_table(&db_data, &[ufvk]).unwrap();
+        let ufvks = HashMap::from([(account_id, ufvk)]);
+        init_accounts_table(&db_data, &ufvks).unwrap();
 
         // Add funds to the wallet in a single note
         let value = Amount::from_u64(50000).unwrap();
@@ -743,13 +767,15 @@ mod tests {
         init_wallet_db(&db_data).unwrap();
 
         // Add an account to the wallet
-        let extsk = sapling::spending_key(&[0u8; 32], network().coin_type(), AccountId::from(0));
+        let account_id = AccountId::from(0);
+        let extsk = sapling::spending_key(&[0u8; 32], network().coin_type(), account_id);
         let dfvk = DiversifiableFullViewingKey::from(ExtendedFullViewingKey::from(&extsk));
         #[cfg(feature = "transparent-inputs")]
         let ufvk = UnifiedFullViewingKey::new(None, Some(dfvk.clone()), None).unwrap();
         #[cfg(not(feature = "transparent-inputs"))]
         let ufvk = UnifiedFullViewingKey::new(Some(dfvk.clone()), None).unwrap();
-        init_accounts_table(&db_data, &[ufvk]).unwrap();
+        let ufvks = HashMap::from([(account_id, ufvk)]);
+        init_accounts_table(&db_data, &ufvks).unwrap();
 
         // Add funds to the wallet in a single note
         let value = Amount::from_u64(51000).unwrap();