diff --git a/VERSION b/VERSION
index 8446488ff..91d98abbb 100644
--- a/VERSION
+++ b/VERSION
@@ -1 +1 @@
-0.64.4
+0.64.5
diff --git a/multiaccounts/accounts/account_test.go b/multiaccounts/accounts/account_test.go
new file mode 100644
index 000000000..553ae3e7f
--- /dev/null
+++ b/multiaccounts/accounts/account_test.go
@@ -0,0 +1,35 @@
+package accounts
+
+import (
+	"testing"
+
+	"github.com/stretchr/testify/require"
+)
+
+func TestIsOwnAccount(t *testing.T) {
+	account := Account{Wallet: true}
+	require.True(t, account.IsOwnAccount())
+
+	account = Account{
+		Type: accountTypeGenerated,
+	}
+	require.True(t, account.IsOwnAccount())
+
+	account = Account{
+		Type: accountTypeKey,
+	}
+	require.True(t, account.IsOwnAccount())
+
+	account = Account{
+		Type: accountTypeSeed,
+	}
+	require.True(t, account.IsOwnAccount())
+
+	account = Account{
+		Type: accountTypeWatch,
+	}
+	require.False(t, account.IsOwnAccount())
+
+	account = Account{}
+	require.False(t, account.IsOwnAccount())
+}
diff --git a/multiaccounts/accounts/database.go b/multiaccounts/accounts/database.go
index 87ad15ffb..6b1cecf16 100644
--- a/multiaccounts/accounts/database.go
+++ b/multiaccounts/accounts/database.go
@@ -36,6 +36,20 @@ type Account struct {
 	Color     string         `json:"color"`
 }
 
+const (
+	accountTypeGenerated = "generated"
+	accountTypeKey       = "key"
+	accountTypeSeed      = "seed"
+	accountTypeWatch     = "watch"
+)
+
+// IsOwnAccount returns true if this is an account we have the private key for
+// NOTE: Wallet flag can't be used as it actually indicates that it's the default
+// Wallet
+func (a *Account) IsOwnAccount() bool {
+	return a.Wallet || a.Type == accountTypeSeed || a.Type == accountTypeGenerated || a.Type == accountTypeKey
+}
+
 type Settings struct {
 	// required
 	Address                   types.Address    `json:"address"`
diff --git a/services/ext/service.go b/services/ext/service.go
index a288d1051..701b0e3fa 100644
--- a/services/ext/service.go
+++ b/services/ext/service.go
@@ -313,7 +313,7 @@ func (s *Service) verifyTransactionLoop(tick time.Duration, cancel <-chan struct
 			}
 			var wallets []types.Address
 			for _, account := range accounts {
-				if account.Wallet {
+				if account.IsOwnAccount() {
 					wallets = append(wallets, types.BytesToAddress(account.Address.Bytes()))
 				}
 			}