diff --git a/server/jetstream_cluster.go b/server/jetstream_cluster.go
index 87ad2c60956..f110cf3f2a3 100644
--- a/server/jetstream_cluster.go
+++ b/server/jetstream_cluster.go
@@ -4058,7 +4058,7 @@ func (js *jetStream) processStreamAssignment(sa *streamAssignment) {
 		js.mu.Unlock()
 
 		// Need to stop the stream, we can't keep running with an old config.
-		acc, err := s.LookupAccount(accName)
+		acc, err := s.lookupOrFetchAccount(accName, isMember)
 		if err != nil {
 			return
 		}
@@ -4072,7 +4072,7 @@ func (js *jetStream) processStreamAssignment(sa *streamAssignment) {
 	}
 	js.mu.Unlock()
 
-	acc, err := s.LookupAccount(accName)
+	acc, err := s.lookupOrFetchAccount(accName, isMember)
 	if err != nil {
 		ll := fmt.Sprintf("Account [%s] lookup for stream create failed: %v", accName, err)
 		if isMember {
@@ -4187,7 +4187,7 @@ func (js *jetStream) processUpdateStreamAssignment(sa *streamAssignment) {
 		js.mu.Unlock()
 
 		// Need to stop the stream, we can't keep running with an old config.
-		acc, err := s.LookupAccount(accName)
+		acc, err := s.lookupOrFetchAccount(accName, isMember)
 		if err != nil {
 			return
 		}
@@ -4201,9 +4201,14 @@ func (js *jetStream) processUpdateStreamAssignment(sa *streamAssignment) {
 	}
 	js.mu.Unlock()
 
-	acc, err := s.LookupAccount(accName)
+	acc, err := s.lookupOrFetchAccount(accName, isMember)
 	if err != nil {
-		s.Warnf("Update Stream Account %s, error on lookup: %v", accName, err)
+		ll := fmt.Sprintf("Update Stream Account %s, error on lookup: %v", accName, err)
+		if isMember {
+			s.Warnf(ll)
+		} else {
+			s.Debugf(ll)
+		}
 		return
 	}
 
@@ -4876,7 +4881,7 @@ func (js *jetStream) processConsumerAssignment(ca *consumerAssignment) {
 		// Be conservative by protecting the whole stream, even if just one consumer is unsupported.
 		// This ensures it's safe, even with Interest-based retention where it would otherwise
 		// continue accepting but dropping messages.
-		acc, err := s.LookupAccount(accName)
+		acc, err := s.lookupOrFetchAccount(accName, isMember)
 		if err != nil {
 			return
 		}
@@ -4890,7 +4895,7 @@ func (js *jetStream) processConsumerAssignment(ca *consumerAssignment) {
 	}
 	js.mu.Unlock()
 
-	acc, err := s.LookupAccount(accName)
+	acc, err := s.lookupOrFetchAccount(accName, isMember)
 	if err != nil {
 		ll := fmt.Sprintf("Account [%s] lookup for consumer create failed: %v", accName, err)
 		if isMember {
@@ -5032,7 +5037,7 @@ func (js *jetStream) processClusterCreateConsumer(ca *consumerAssignment, state
 
 	acc, err := s.LookupAccount(accName)
 	if err != nil {
-		s.Warnf("JetStream cluster failed to lookup axccount %q: %v", accName, err)
+		s.Warnf("JetStream cluster failed to lookup account %q: %v", accName, err)
 		return
 	}
 
diff --git a/server/jetstream_jwt_test.go b/server/jetstream_jwt_test.go
index a365b9c269c..ce2a5ada195 100644
--- a/server/jetstream_jwt_test.go
+++ b/server/jetstream_jwt_test.go
@@ -2031,3 +2031,62 @@ func TestJetStreamJWTUpdateWithPreExistingStream(t *testing.T) {
 		return nil
 	})
 }
+
+func TestJetStreamAccountResolverNoFetchIfNotMember(t *testing.T) {
+	_, spub := createKey(t)
+	sysClaim := jwt.NewAccountClaims(spub)
+	sysClaim.Name = "SYS"
+	sysJwt := encodeClaim(t, sysClaim, spub)
+	kp, _ := nkeys.CreateAccount()
+	aPub, _ := kp.PublicKey()
+
+	templ := `
+	listen: 127.0.0.1:-1
+	server_name: %s
+	jetstream: {max_mem_store: 2GB, max_file_store: 2GB, store_dir: '%s'}
+
+	leaf {
+		listen: 127.0.0.1:-1
+	}
+
+	cluster {
+		name: %s
+		listen: 127.0.0.1:%d
+		routes = [%s]
+	}
+`
+
+	ts := httptest.NewServer(http.HandlerFunc(func(w http.ResponseWriter, r *http.Request) {
+		if r.URL.Path == "/" {
+			w.Write([]byte("ok"))
+		} else if strings.HasSuffix(r.URL.Path, spub) {
+			w.Write([]byte(sysJwt))
+		} else {
+			// Simulate some time being spent, but doesn't respond.
+			time.Sleep(250 * time.Millisecond)
+		}
+	}))
+	defer ts.Close()
+
+	c := createJetStreamClusterWithTemplateAndModHook(t, templ, "R3S", 3,
+		func(serverName, clusterName, storeDir, conf string) string {
+			return conf + fmt.Sprintf(`
+				operator: %s
+				system_account: %s
+				resolver: URL("%s")`, ojwt, spub, ts.URL)
+		})
+	defer c.shutdown()
+
+	s := c.leader()
+	js := s.getJetStream()
+	ci := &ClientInfo{Cluster: "R3S", Account: aPub}
+	cfg := &StreamConfig{Name: "TEST", Subjects: []string{"foo"}}
+	sa := &streamAssignment{Client: ci, Config: cfg}
+	start := time.Now()
+	// Simulate some meta operations where this server is not a member.
+	// The server should not fetch the account from the resolver.
+	for range 5 {
+		js.processStreamAssignment(sa)
+	}
+	require_LessThan(t, time.Since(start), 100*time.Millisecond)
+}