diff --git a/tests/test_theme.cpp b/tests/test_theme.cpp
index 70454bb..1d16075 100644
--- a/tests/test_theme.cpp
+++ b/tests/test_theme.cpp
@@ -77,6 +77,13 @@ static void testAccentsClearIndicatorFloorOnCell() {
     // The primary accent also leads the mode-switch/tab active fill drawn over bg/base.
     CHECK(contrastRatio(roleColor(Role::AccentPrimary), roleColor(Role::BgBase))
           >= textFloor(TextClass::Large));
+    // bank_panel draws categorical accents as text on bg/panel (region-title band):
+    // AccentSecondary/Tertiary as region-title text; AccentPrimary as the "Active:" readout.
+    // Verify all three clear the 3:1 large/indicator floor on bg/panel (the ACTUAL draw surface).
+    for (Role a : {Role::AccentPrimary, Role::AccentSecondary, Role::AccentTertiary}) {
+        CHECK(contrastRatio(roleColor(a), roleColor(Role::BgPanel))
+              >= textFloor(TextClass::Large));
+    }
 }
 
 // Text drawn ON a pastel accent fill (retained tight pair, re-verified for the pastels):