Fix Plaid exit landing on manual bank account screen instead of initial step

[VickyStash]

Explanation of Change

Root cause
When the user exits the Plaid flow, setBankAccountSubStep(null) clears setupType in Onyx.
Because BankInfo previously defaulted to the Manual component when setupType was null/undefined, the user landed on the manual entry screen instead of returning to the initial step.

Fix
Two-part fix:

1. BankInfo.tsx — Replace the null-defaults-to-Manual fallback with a loading indicator for the unresolved setupType state, so it no longer silently shows the wrong component.
2. Plaid.tsx — On exit, explicitly navigate back to ROUTES.BANK_ACCOUNT_WITH_STEP_TO_OPEN so the user is returned to the initial bank connection selection screen.

Fixed Issues

$ #91882
PROPOSAL: N/A

Tests

• Verify that no errors appear in the JS console

1. Open the app.
2. Go to workspace settings > Expensify Card.
3. Click Issue new card.
4. Click Log into your bank.
5. Click Confirm.
6. You will be navigated to Plaid, close it.
7. Exiting the plaid flow should return you to the initial step with the log in and connect manually options

Offline tests

Same, as in the Tests section

QA Steps

// TODO: These must be filled out, or the issue title must include "[No QA]."

• Verify that no errors appear in the JS console

Same, as in the Tests section

PR Author Checklist

• I linked the correct issue in the ### Fixed Issues section above
• I wrote clear testing steps that cover the changes made in this PR
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Screenshots/Videos

Android: Native

android.mp4

Android: mWeb Chrome

android_web.mp4

iOS: Native

ios.mov

iOS: mWeb Safari

ios_web.mov

MacOS: Chrome / Safari

web.mp4

[codecov]

Codecov Report

✅ Changes either increased or maintained existing code coverage, great job!

Files with missing lines	Coverage Δ
...imbursementAccount/USD/BankInfo/subSteps/Plaid.tsx	0.00% <0.00%> (ø)
...ges/ReimbursementAccount/USD/BankInfo/BankInfo.tsx	0.00% <0.00%> (ø)
... and 7 files with indirect coverage changes

[VickyStash]

@codex review

[chatgpt-codex-connector]

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