diff --git a/CHANGELOG.md b/CHANGELOG.md
index b8ff0ac09..06e8bcb9d 100644
--- a/CHANGELOG.md
+++ b/CHANGELOG.md
@@ -66,6 +66,7 @@ All notable changes to this project will be documented in this file.
   - Fix `access-pass fund` and `access-pass user-balances` slot counting to track remaining slots per `(payer, client_ip)` pair, preventing a connected user on IP_B from consuming open slots for IP_A; also fix required balance formula to always add `wallet_rent_min` on top of `needs_rent` rather than taking the max
   - Add `--user-payer` filter to `user list` command
   - Serviceability: onchain activation - atomic close for DeleteDevice ([#3188](https://github.com/malbeclabs/doublezero/pull/3188))
+  - Fix `access-pass user-balances` and `access-pass fund` underestimating the required wallet balance: the wallet's own rent-exempt minimum was used as a floor rather than being added, causing `missing: 0` to be reported even when provisioning would fail with insufficient funds ([#3213](https://github.com/malbeclabs/doublezero/pull/3213))
 - Onchain Programs
   - Serviceability: DeleteUser instruction supports atomic deallocate+closeaccount when OnchainAllocation feature is enabled
   - Serviceability: CreateLink instruction supports atomic create+allocate+activate when OnchainAllocation feature is enabled
diff --git a/smartcontract/cli/src/accesspass/fund.rs b/smartcontract/cli/src/accesspass/fund.rs
index 543db9739..970aad132 100644
--- a/smartcontract/cli/src/accesspass/fund.rs
+++ b/smartcontract/cli/src/accesspass/fund.rs
@@ -243,8 +243,8 @@ mod tests {
     #[test]
     fn test_fund_all_sufficiently_funded() {
         let payer = Pubkey::from_str_const("1111111FVAiSujNZVgYSc27t6zUTWoKfAGxbRzzPB");
-        // balance > required (2_250_000)
-        let client = setup_client_with_balance(payer, 3_000_000);
+        // balance > required (wallet_rent_min + needs_rent = 1_000_000 + 1_250_000 = 2_250_000)
+        let client = setup_client_with_balance(payer, 2_500_000);
 
         let mut out = Vec::new();
         let res =
@@ -260,7 +260,7 @@ mod tests {
     #[test]
     fn test_fund_dry_run_shows_summary_without_transferring() {
         let payer = Pubkey::from_str_const("1111111FVAiSujNZVgYSc27t6zUTWoKfAGxbRzzPB");
-        // balance = 500_000 < required (2_250_000), deficit = 1_750_000
+        // balance = 500_000 < required (wallet_rent_min + needs_rent = 1_000_000 + 1_250_000 = 2_250_000), deficit = 1_750_000
         let client = setup_client_with_balance(payer, 500_000);
 
         let mut out = Vec::new();
@@ -316,8 +316,8 @@ mod tests {
     #[test]
     fn test_fund_min_balance_dominates_rent() {
         let payer = Pubkey::from_str_const("1111111FVAiSujNZVgYSc27t6zUTWoKfAGxbRzzPB");
-        // balance = 1_500_000 < required = wallet_rent_min (1_000_000) + max(needs_rent=1_250_000, min_balance=2_000_000) = 3_000_000
-        // deficit = 1_500_000
+        // balance = 1_500_000 > needs_rent (1_250_000) but < required
+        // required = wallet_rent_min + max(needs_rent, min_balance) = 1_000_000 + max(1_250_000, 2_000_000) = 3_000_000, deficit = 1_500_000
         let client = setup_client_with_balance(payer, 1_500_000);
 
         let mut out = Vec::new();
@@ -338,7 +338,7 @@ mod tests {
     fn test_fund_rent_dominates_min_balance() {
         let payer = Pubkey::from_str_const("1111111FVAiSujNZVgYSc27t6zUTWoKfAGxbRzzPB");
         // balance = 500_000, min_balance = ~1 lamport
-        // required = wallet_rent_min (1_000_000) + max(needs_rent=1_250_000, 1) = 2_250_000, deficit = 1_750_000
+        // required = wallet_rent_min + max(needs_rent, min_balance) = 1_000_000 + max(1_250_000, 1) = 2_250_000, deficit = 1_750_000
         let client = setup_client_with_balance(payer, 500_000);
 
         let mut out = Vec::new();