diff --git a/src/commands/doctor-config-flow.missing-explicit-default-account.test.ts b/src/commands/doctor-config-flow.missing-explicit-default-account.test.ts
index faf14653961..5ef4f7a6cae 100644
--- a/src/commands/doctor-config-flow.missing-explicit-default-account.test.ts
+++ b/src/commands/doctor-config-flow.missing-explicit-default-account.test.ts
@@ -66,6 +66,22 @@ describe("collectMissingExplicitDefaultAccountWarnings", () => {
     expect(collectMissingExplicitDefaultAccountWarnings(cfg)).toEqual([]);
   });
 
+  it("normalizes defaultAccount before validating configured account ids", () => {
+    const cfg: OpenClawConfig = {
+      channels: {
+        telegram: {
+          defaultAccount: "Router D",
+          accounts: {
+            "router-d": { botToken: "r" },
+            work: { botToken: "w" },
+          },
+        },
+      },
+    };
+
+    expect(collectMissingExplicitDefaultAccountWarnings(cfg)).toEqual([]);
+  });
+
   it("warns when defaultAccount is invalid for configured accounts", () => {
     const cfg: OpenClawConfig = {
       channels: {
diff --git a/src/commands/doctor-config-flow.ts b/src/commands/doctor-config-flow.ts
index bab0806bbaf..69cbc764397 100644
--- a/src/commands/doctor-config-flow.ts
+++ b/src/commands/doctor-config-flow.ts
@@ -219,15 +219,21 @@ function normalizeBindingChannelKey(raw?: string | null): string {
   return (raw ?? "").trim().toLowerCase();
 }
 
-export function collectMissingDefaultAccountBindingWarnings(cfg: OpenClawConfig): string[] {
+type ChannelMissingDefaultAccountContext = {
+  channelKey: string;
+  channel: Record<string, unknown>;
+  normalizedAccountIds: string[];
+};
+
+function collectChannelsMissingDefaultAccount(
+  cfg: OpenClawConfig,
+): ChannelMissingDefaultAccountContext[] {
   const channels = asObjectRecord(cfg.channels);
   if (!channels) {
     return [];
   }
 
-  const bindings = Array.isArray(cfg.bindings) ? cfg.bindings : [];
-  const warnings: string[] = [];
-
+  const contexts: ChannelMissingDefaultAccountContext[] = [];
   for (const [channelKey, rawChannel] of Object.entries(channels)) {
     const channel = asObjectRecord(rawChannel);
     if (!channel) {
@@ -244,10 +250,20 @@ export function collectMissingDefaultAccountBindingWarnings(cfg: OpenClawConfig)
           .map((accountId) => normalizeAccountId(accountId))
           .filter(Boolean),
       ),
-    );
+    ).toSorted((a, b) => a.localeCompare(b));
     if (normalizedAccountIds.length === 0 || normalizedAccountIds.includes(DEFAULT_ACCOUNT_ID)) {
       continue;
     }
+    contexts.push({ channelKey, channel, normalizedAccountIds });
+  }
+  return contexts;
+}
+
+export function collectMissingDefaultAccountBindingWarnings(cfg: OpenClawConfig): string[] {
+  const bindings = Array.isArray(cfg.bindings) ? cfg.bindings : [];
+  const warnings: string[] = [];
+
+  for (const { channelKey, normalizedAccountIds } of collectChannelsMissingDefaultAccount(cfg)) {
     const accountIdSet = new Set(normalizedAccountIds);
     const channelPattern = normalizeBindingChannelKey(channelKey);
 
@@ -309,31 +325,11 @@ export function collectMissingDefaultAccountBindingWarnings(cfg: OpenClawConfig)
 }
 
 export function collectMissingExplicitDefaultAccountWarnings(cfg: OpenClawConfig): string[] {
-  const channels = asObjectRecord(cfg.channels);
-  if (!channels) {
-    return [];
-  }
-
   const warnings: string[] = [];
-  for (const [channelKey, rawChannel] of Object.entries(channels)) {
-    const channel = asObjectRecord(rawChannel);
-    if (!channel) {
-      continue;
-    }
-
-    const accounts = asObjectRecord(channel.accounts);
-    if (!accounts) {
-      continue;
-    }
-
-    const normalizedAccountIds = Array.from(
-      new Set(
-        Object.keys(accounts)
-          .map((accountId) => normalizeAccountId(accountId))
-          .filter(Boolean),
-      ),
-    ).toSorted((a, b) => a.localeCompare(b));
-    if (normalizedAccountIds.length < 2 || normalizedAccountIds.includes(DEFAULT_ACCOUNT_ID)) {
+  for (const { channelKey, channel, normalizedAccountIds } of collectChannelsMissingDefaultAccount(
+    cfg,
+  )) {
+    if (normalizedAccountIds.length < 2) {
       continue;
     }
 
diff --git a/src/telegram/accounts.test.ts b/src/telegram/accounts.test.ts
index 3d0b84f8fcf..1c0807aaa1a 100644
--- a/src/telegram/accounts.test.ts
+++ b/src/telegram/accounts.test.ts
@@ -12,6 +12,10 @@ const { warnMock } = vi.hoisted(() => ({
   warnMock: vi.fn(),
 }));
 
+function warningLines(): string[] {
+  return warnMock.mock.calls.map(([line]) => String(line));
+}
+
 vi.mock("../logging/subsystem.js", () => ({
   createSubsystemLogger: () => {
     const logger = {
@@ -140,8 +144,7 @@ describe("resolveDefaultTelegramAccountId", () => {
     };
 
     resolveDefaultTelegramAccountId(cfg);
-    const warnLines = warnMock.mock.calls.map(([line]) => String(line));
-    expect(warnLines.every((line: string) => !line.includes("accounts.default is missing"))).toBe(
+    expect(warningLines().every((line) => !line.includes("accounts.default is missing"))).toBe(
       true,
     );
   });
@@ -157,8 +160,7 @@ describe("resolveDefaultTelegramAccountId", () => {
     };
 
     resolveDefaultTelegramAccountId(cfg);
-    const warnLines = warnMock.mock.calls.map(([line]) => String(line));
-    expect(warnLines.every((line: string) => !line.includes("accounts.default is missing"))).toBe(
+    expect(warningLines().every((line) => !line.includes("accounts.default is missing"))).toBe(
       true,
     );
   });
@@ -173,8 +175,7 @@ describe("resolveDefaultTelegramAccountId", () => {
     };
 
     resolveDefaultTelegramAccountId(cfg);
-    const warnLines = warnMock.mock.calls.map(([line]) => String(line));
-    expect(warnLines.every((line: string) => !line.includes("accounts.default is missing"))).toBe(
+    expect(warningLines().every((line) => !line.includes("accounts.default is missing"))).toBe(
       true,
     );
   });
@@ -192,9 +193,9 @@ describe("resolveDefaultTelegramAccountId", () => {
     resolveDefaultTelegramAccountId(cfg);
     resolveDefaultTelegramAccountId(cfg);
 
-    const missingDefaultWarns = warnMock.mock.calls
-      .map(([line]) => String(line))
-      .filter((line) => line.includes("accounts.default is missing"));
+    const missingDefaultWarns = warningLines().filter((line) =>
+      line.includes("accounts.default is missing"),
+    );
     expect(missingDefaultWarns).toHaveLength(1);
   });