diff --git a/accounts-db/benches/accounts.rs b/accounts-db/benches/accounts.rs
index e17871d2bd3..1f013aff807 100644
--- a/accounts-db/benches/accounts.rs
+++ b/accounts-db/benches/accounts.rs
@@ -60,20 +60,22 @@ fn bench_accounts_hash_bank_hash(bencher: &mut Bencher) {
     accounts.add_root(slot);
     accounts.accounts_db.flush_accounts_cache(true, Some(slot));
     bencher.iter(|| {
-        assert!(accounts.verify_accounts_hash_and_lamports(
-            0,
-            total_lamports,
-            None,
-            VerifyAccountsHashAndLamportsConfig {
-                ancestors: &ancestors,
-                test_hash_calculation: false,
-                epoch_schedule: &EpochSchedule::default(),
-                rent_collector: &RentCollector::default(),
-                ignore_mismatch: false,
-                store_detailed_debug_info: false,
-                use_bg_thread_pool: false,
-            }
-        ))
+        assert!(accounts
+            .accounts_db
+            .verify_accounts_hash_and_lamports_for_tests(
+                0,
+                total_lamports,
+                VerifyAccountsHashAndLamportsConfig {
+                    ancestors: &ancestors,
+                    test_hash_calculation: false,
+                    epoch_schedule: &EpochSchedule::default(),
+                    rent_collector: &RentCollector::default(),
+                    ignore_mismatch: false,
+                    store_detailed_debug_info: false,
+                    use_bg_thread_pool: false,
+                }
+            )
+            .is_ok())
     });
 }
 
diff --git a/accounts-db/src/accounts.rs b/accounts-db/src/accounts.rs
index 3ecdd270867..ea95448abcf 100644
--- a/accounts-db/src/accounts.rs
+++ b/accounts-db/src/accounts.rs
@@ -1,8 +1,8 @@
 use {
     crate::{
         accounts_db::{
-            AccountsAddRootTiming, AccountsDb, LoadHint, LoadedAccount, ScanAccountStorageData,
-            ScanStorageResult, VerifyAccountsHashAndLamportsConfig,
+            AccountStorageEntry, AccountsAddRootTiming, AccountsDb, LoadHint, LoadedAccount,
+            ScanAccountStorageData, ScanStorageResult, VerifyAccountsHashAndLamportsConfig,
         },
         accounts_index::{IndexKey, ScanConfig, ScanError, ScanResult},
         ancestors::Ancestors,
@@ -297,15 +297,19 @@ impl Accounts {
     #[must_use]
     pub fn verify_accounts_hash_and_lamports(
         &self,
+        snapshot_storages_and_slots: (&[Arc<AccountStorageEntry>], &[Slot]),
         slot: Slot,
         total_lamports: u64,
         base: Option<(Slot, /*capitalization*/ u64)>,
         config: VerifyAccountsHashAndLamportsConfig,
     ) -> bool {
-        if let Err(err) =
-            self.accounts_db
-                .verify_accounts_hash_and_lamports(slot, total_lamports, base, config)
-        {
+        if let Err(err) = self.accounts_db.verify_accounts_hash_and_lamports(
+            snapshot_storages_and_slots,
+            slot,
+            total_lamports,
+            base,
+            config,
+        ) {
             warn!("verify_accounts_hash failed: {err:?}, slot: {slot}");
             false
         } else {
diff --git a/accounts-db/src/accounts_db.rs b/accounts-db/src/accounts_db.rs
index 5dd14632fb5..d16020ecc40 100644
--- a/accounts-db/src/accounts_db.rs
+++ b/accounts-db/src/accounts_db.rs
@@ -7488,6 +7488,7 @@ impl AccountsDb {
     /// and then calculate the incremental accounts hash for `(base slot, slot]`.
     pub fn verify_accounts_hash_and_lamports(
         &self,
+        snapshot_storages_and_slots: (&[Arc<AccountStorageEntry>], &[Slot]),
         slot: Slot,
         total_lamports: u64,
         base: Option<(Slot, /*capitalization*/ u64)>,
@@ -7503,11 +7504,21 @@ impl AccountsDb {
         let hash_mismatch_is_error = !config.ignore_mismatch;
 
         if let Some((base_slot, base_capitalization)) = base {
-            self.verify_accounts_hash_and_lamports(base_slot, base_capitalization, None, config)?;
-            let (storages, slots) =
-                self.get_snapshot_storages(base_slot.checked_add(1).unwrap()..=slot);
-            let sorted_storages =
-                SortedStorages::new_with_slots(storages.iter().zip(slots), None, None);
+            self.verify_accounts_hash_and_lamports(
+                snapshot_storages_and_slots,
+                base_slot,
+                base_capitalization,
+                None,
+                config,
+            )?;
+
+            let storages_and_slots = snapshot_storages_and_slots
+                .0
+                .iter()
+                .zip(snapshot_storages_and_slots.1.iter())
+                .filter(|storage_and_slot| *storage_and_slot.1 > base_slot)
+                .map(|(storage, slot)| (storage, *slot));
+            let sorted_storages = SortedStorages::new_with_slots(storages_and_slots, None, None);
             let calculated_incremental_accounts_hash = self.calculate_incremental_accounts_hash(
                 &calc_config,
                 &sorted_storages,
@@ -7526,9 +7537,13 @@ impl AccountsDb {
                 }
             }
         } else {
-            let (storages, slots) = self.get_snapshot_storages(..=slot);
-            let sorted_storages =
-                SortedStorages::new_with_slots(storages.iter().zip(slots), None, None);
+            let storages_and_slots = snapshot_storages_and_slots
+                .0
+                .iter()
+                .zip(snapshot_storages_and_slots.1.iter())
+                .filter(|storage_and_slot| *storage_and_slot.1 <= slot)
+                .map(|(storage, slot)| (storage, *slot));
+            let sorted_storages = SortedStorages::new_with_slots(storages_and_slots, None, None);
             let (calculated_accounts_hash, calculated_lamports) =
                 self.calculate_accounts_hash(&calc_config, &sorted_storages, HashStats::default());
             if calculated_lamports != total_lamports {
@@ -9448,7 +9463,18 @@ impl AccountsDb {
         total_lamports: u64,
         config: VerifyAccountsHashAndLamportsConfig,
     ) -> Result<(), AccountsHashVerificationError> {
-        self.verify_accounts_hash_and_lamports(slot, total_lamports, None, config)
+        let snapshot_storages = self.get_snapshot_storages(..);
+        let snapshot_storages_and_slots = (
+            snapshot_storages.0.as_slice(),
+            snapshot_storages.1.as_slice(),
+        );
+        self.verify_accounts_hash_and_lamports(
+            snapshot_storages_and_slots,
+            slot,
+            total_lamports,
+            None,
+            config,
+        )
     }
 }
 
@@ -12400,7 +12426,7 @@ pub mod tests {
                 db.update_accounts_hash_for_tests(some_slot, &ancestors, true, true);
 
                 assert_matches!(
-                    db.verify_accounts_hash_and_lamports(some_slot, 1, None, config.clone()),
+                    db.verify_accounts_hash_and_lamports_for_tests(some_slot, 1, config.clone()),
                     Ok(_)
                 );
                 continue;
diff --git a/runtime/src/bank.rs b/runtime/src/bank.rs
index ab0864c000a..36f6714dd08 100644
--- a/runtime/src/bank.rs
+++ b/runtime/src/bank.rs
@@ -185,7 +185,7 @@ use {
         collections::{HashMap, HashSet},
         convert::TryFrom,
         fmt, mem,
-        ops::{AddAssign, RangeInclusive},
+        ops::{AddAssign, RangeFull, RangeInclusive},
         path::PathBuf,
         slice,
         sync::{
@@ -5620,7 +5620,15 @@ impl Bank {
                 panic!("cannot verify accounts hash because slot {slot} is not a root");
             }
         }
-        let cap = self.capitalization();
+        // The snapshot storages must be captured *before* starting the background verification.
+        // Otherwise, it is possible that a delayed call to `get_snapshot_storages()` will *not*
+        // get the correct storages required to calculate and verify the accounts hashes.
+        let snapshot_storages = self
+            .rc
+            .accounts
+            .accounts_db
+            .get_snapshot_storages(RangeFull);
+        let capitalization = self.capitalization();
         let verify_config = VerifyAccountsHashAndLamportsConfig {
             ancestors: &self.ancestors,
             epoch_schedule: self.epoch_schedule(),
@@ -5641,9 +5649,14 @@ impl Bank {
                     .name("solBgHashVerify".into())
                     .spawn(move || {
                         info!("Initial background accounts hash verification has started");
+                        let snapshot_storages_and_slots = (
+                            snapshot_storages.0.as_slice(),
+                            snapshot_storages.1.as_slice(),
+                        );
                         let result = accounts_.verify_accounts_hash_and_lamports(
+                            snapshot_storages_and_slots,
                             slot,
-                            cap,
+                            capitalization,
                             base,
                             VerifyAccountsHashAndLamportsConfig {
                                 ancestors: &ancestors,
@@ -5663,7 +5676,17 @@ impl Bank {
             });
             true // initial result is true. We haven't failed yet. If verification fails, we'll panic from bg thread.
         } else {
-            let result = accounts.verify_accounts_hash_and_lamports(slot, cap, base, verify_config);
+            let snapshot_storages_and_slots = (
+                snapshot_storages.0.as_slice(),
+                snapshot_storages.1.as_slice(),
+            );
+            let result = accounts.verify_accounts_hash_and_lamports(
+                snapshot_storages_and_slots,
+                slot,
+                capitalization,
+                base,
+                verify_config,
+            );
             self.set_initial_accounts_hash_verification_completed();
             result
         }