Payment Process Request Approval rule based on disbursement bank account name

Summary:

Good day,

Am trying to create an approval rule based on the disbursement bank account name

if disbursement bank account name is A or B or C then go to approval group 1

if disbursement bank account name is not A or B or C then Auto approve

this rule is working fine as long as the user is entering the bank account name in the payment template, but if the disbursement bank account name in the template is blank then all payments are getting auto approve

even if one of Bank A or B or C are getting selected in the following stage.