diff --git a/src/cli/config/account.go b/src/cli/config/account.go
index 7dd380551..950724b15 100644
--- a/src/cli/config/account.go
+++ b/src/cli/config/account.go
@@ -40,6 +40,7 @@ func m365Overrides(in map[string]string) map[string]string {
 func configureAccount(
 	vpr *viper.Viper,
 	readConfigFromViper bool,
+	matchFromConfig bool,
 	overrides map[string]string,
 ) (account.Account, error) {
 	var (
@@ -49,7 +50,7 @@ func configureAccount(
 		err     error
 	)
 
-	if readConfigFromViper {
+	if matchFromConfig {
 		m365Cfg, err = m365ConfigsFromViper(vpr)
 		if err != nil {
 			return acct, clues.Wrap(err, "reading m365 configs from corso config file")
diff --git a/src/cli/config/config.go b/src/cli/config/config.go
index 74f3d8583..0d4391dc9 100644
--- a/src/cli/config/config.go
+++ b/src/cli/config/config.go
@@ -284,7 +284,7 @@ func getStorageAndAccountWithViper(
 		config.RepoID = vpr.GetString(RepoID)
 	}
 
-	config.Account, err = configureAccount(vpr, readConfigFromViper, overrides)
+	config.Account, err = configureAccount(vpr, readConfigFromViper, mustMatchFromConfig, overrides)
 	if err != nil {
 		return config, clues.Wrap(err, "retrieving account configuration details")
 	}
diff --git a/src/cli/config/config_test.go b/src/cli/config/config_test.go
index 94b1387d6..444f6108d 100644
--- a/src/cli/config/config_test.go
+++ b/src/cli/config/config_test.go
@@ -270,7 +270,7 @@ func (suite *ConfigIntegrationSuite) TestGetStorageAndAccount() {
 	err = vpr.ReadInConfig()
 	require.NoError(t, err, "reading repo config", clues.ToCore(err))
 
-	config, err := getStorageAndAccountWithViper(vpr, true, false, nil)
+	config, err := getStorageAndAccountWithViper(vpr, true, true, nil)
 	require.NoError(t, err, "getting storage and account from config", clues.ToCore(err))
 
 	readS3Cfg, err := config.Storage.S3Config()
diff --git a/src/cli/config/storage.go b/src/cli/config/storage.go
index 2d23e71cc..cfd37e0f6 100644
--- a/src/cli/config/storage.go
+++ b/src/cli/config/storage.go
@@ -69,10 +69,6 @@ func configureStorage(
 	)
 
 	if readConfigFromViper {
-		if s3Cfg, err = s3ConfigsFromViper(vpr); err != nil {
-			return store, clues.Wrap(err, "reading s3 configs from corso config file")
-		}
-
 		if b, ok := overrides[storage.Bucket]; ok {
 			overrides[storage.Bucket] = common.NormalizeBucket(b)
 		}
@@ -83,6 +79,10 @@ func configureStorage(
 	}
 
 	if matchFromConfig {
+		if s3Cfg, err = s3ConfigsFromViper(vpr); err != nil {
+			return store, clues.Wrap(err, "reading s3 configs from corso config file")
+		}
+
 		if err := mustMatchConfig(vpr, s3Overrides(overrides)); err != nil {
 			return store, clues.Wrap(err, "verifying s3 configs in corso config file")
 		}