diff --git a/core/src/banking_stage.rs b/core/src/banking_stage.rs
index 78455fea538ee4..602684695ca7eb 100644
--- a/core/src/banking_stage.rs
+++ b/core/src/banking_stage.rs
@@ -651,7 +651,7 @@ impl BankingStage {
 
         // Clear payload for next iteration
         payload.sanitized_transactions.clear();
-        payload.write_accounts.clear();
+        payload.account_locks.clear();
 
         let ProcessTransactionsSummary {
             reached_max_poh_height,
diff --git a/core/src/lib.rs b/core/src/lib.rs
index f8b375c96d62b9..72beb7fde75991 100644
--- a/core/src/lib.rs
+++ b/core/src/lib.rs
@@ -47,6 +47,7 @@ pub mod poh_timing_report_service;
 pub mod poh_timing_reporter;
 pub mod progress_map;
 pub mod qos_service;
+pub mod read_write_account_set;
 pub mod repair_generic_traversal;
 pub mod repair_response;
 pub mod repair_service;
diff --git a/core/src/read_write_account_set.rs b/core/src/read_write_account_set.rs
new file mode 100644
index 00000000000000..a0a8b41ca30819
--- /dev/null
+++ b/core/src/read_write_account_set.rs
@@ -0,0 +1,354 @@
+use {
+    solana_sdk::{
+        message::{SanitizedMessage, VersionedMessage},
+        pubkey::Pubkey,
+    },
+    std::collections::HashSet,
+};
+
+/// Wrapper struct to check account locks for a batch of transactions.
+#[derive(Debug, Default)]
+pub struct ReadWriteAccountSet {
+    /// Set of accounts that are locked for read
+    read_set: HashSet<Pubkey>,
+    /// Set of accounts that are locked for write
+    write_set: HashSet<Pubkey>,
+}
+
+impl ReadWriteAccountSet {
+    /// Check static account locks for a transaction message.
+    pub fn check_static_account_locks(&self, message: &VersionedMessage) -> bool {
+        !message
+            .static_account_keys()
+            .iter()
+            .enumerate()
+            .any(|(index, pubkey)| {
+                if message.is_maybe_writable(index) {
+                    !self.can_write(pubkey)
+                } else {
+                    !self.can_read(pubkey)
+                }
+            })
+    }
+
+    /// Check all account locks and if they are available, lock them.
+    /// Returns true if all account locks are available and false otherwise.
+    pub fn try_locking(&mut self, message: &SanitizedMessage) -> bool {
+        if self.check_sanitized_message_account_locks(message) {
+            self.add_sanitized_message_account_locks(message);
+            true
+        } else {
+            false
+        }
+    }
+
+    /// Clears the read and write sets
+    pub fn clear(&mut self) {
+        self.read_set.clear();
+        self.write_set.clear();
+    }
+
+    /// Check if a sanitized message's account locks are available.
+    fn check_sanitized_message_account_locks(&self, message: &SanitizedMessage) -> bool {
+        !message
+            .account_keys()
+            .iter()
+            .enumerate()
+            .any(|(index, pubkey)| {
+                if message.is_writable(index) {
+                    !self.can_write(pubkey)
+                } else {
+                    !self.can_read(pubkey)
+                }
+            })
+    }
+
+    /// Insert the read and write locks for a sanitized message.
+    fn add_sanitized_message_account_locks(&mut self, message: &SanitizedMessage) {
+        message
+            .account_keys()
+            .iter()
+            .enumerate()
+            .for_each(|(index, pubkey)| {
+                if message.is_writable(index) {
+                    self.add_write(pubkey);
+                } else {
+                    self.add_read(pubkey);
+                }
+            });
+    }
+
+    /// Check if an account can be read-locked
+    fn can_read(&self, pubkey: &Pubkey) -> bool {
+        !self.write_set.contains(pubkey)
+    }
+
+    /// Check if an account can be write-locked
+    fn can_write(&self, pubkey: &Pubkey) -> bool {
+        !self.write_set.contains(pubkey) && !self.read_set.contains(pubkey)
+    }
+
+    /// Add an account to the read-set.
+    /// Should only be called after `can_read()` returns true
+    fn add_read(&mut self, pubkey: &Pubkey) {
+        self.read_set.insert(*pubkey);
+    }
+
+    /// Add an account to the write-set.
+    /// Should only be called after `can_write()` returns true
+    fn add_write(&mut self, pubkey: &Pubkey) {
+        self.write_set.insert(*pubkey);
+    }
+}
+
+#[cfg(test)]
+mod tests {
+    use {
+        super::ReadWriteAccountSet,
+        solana_address_lookup_table_program::state::{AddressLookupTable, LookupTableMeta},
+        solana_ledger::genesis_utils::GenesisConfigInfo,
+        solana_runtime::{bank::Bank, genesis_utils::create_genesis_config},
+        solana_sdk::{
+            account::AccountSharedData,
+            hash::Hash,
+            message::{
+                v0::{self, MessageAddressTableLookup},
+                MessageHeader, VersionedMessage,
+            },
+            pubkey::Pubkey,
+            signature::Keypair,
+            signer::Signer,
+            transaction::{MessageHash, SanitizedTransaction, VersionedTransaction},
+        },
+        std::{borrow::Cow, sync::Arc},
+    };
+
+    fn create_test_versioned_message(
+        write_keys: &[Pubkey],
+        read_keys: &[Pubkey],
+        address_table_lookups: Vec<MessageAddressTableLookup>,
+    ) -> VersionedMessage {
+        VersionedMessage::V0(v0::Message {
+            header: MessageHeader {
+                num_required_signatures: write_keys.len() as u8,
+                num_readonly_signed_accounts: 0,
+                num_readonly_unsigned_accounts: read_keys.len() as u8,
+            },
+            recent_blockhash: Hash::default(),
+            account_keys: write_keys.iter().chain(read_keys.iter()).copied().collect(),
+            address_table_lookups,
+            instructions: vec![],
+        })
+    }
+
+    fn create_test_sanitized_transaction(
+        write_keypair: &Keypair,
+        read_keys: &[Pubkey],
+        address_table_lookups: Vec<MessageAddressTableLookup>,
+        bank: &Bank,
+    ) -> SanitizedTransaction {
+        let message = create_test_versioned_message(
+            &[write_keypair.pubkey()],
+            read_keys,
+            address_table_lookups,
+        );
+        SanitizedTransaction::try_create(
+            VersionedTransaction::try_new(message, &[write_keypair]).unwrap(),
+            MessageHash::Compute,
+            Some(false),
+            bank,
+            true, // require_static_program_ids
+        )
+        .unwrap()
+    }
+
+    fn create_test_address_lookup_table(
+        bank: Arc<Bank>,
+        num_addresses: usize,
+    ) -> (Arc<Bank>, Pubkey) {
+        let mut addresses = Vec::with_capacity(num_addresses);
+        addresses.resize_with(num_addresses, Pubkey::new_unique);
+        let address_lookup_table = AddressLookupTable {
+            meta: LookupTableMeta {
+                authority: None,
+                ..LookupTableMeta::default()
+            },
+            addresses: Cow::Owned(addresses),
+        };
+
+        let address_table_key = Pubkey::new_unique();
+        let data = address_lookup_table.serialize_for_tests().unwrap();
+        let mut account =
+            AccountSharedData::new(1, data.len(), &solana_address_lookup_table_program::id());
+        account.set_data(data);
+        bank.store_account(&address_table_key, &account);
+
+        (
+            Arc::new(Bank::new_from_parent(
+                &bank,
+                &Pubkey::new_unique(),
+                bank.slot() + 1,
+            )),
+            address_table_key,
+        )
+    }
+
+    fn create_test_bank() -> Arc<Bank> {
+        let GenesisConfigInfo { genesis_config, .. } = create_genesis_config(10_000);
+        Arc::new(Bank::new_no_wallclock_throttle_for_tests(&genesis_config))
+    }
+
+    // Helper function (could potentially use test_case in future).
+    // conflict_index = 0 means write lock conflict
+    // conflict_index = 1 means read lock conflict
+    fn test_check_static_account_locks(conflict_index: usize, add_write: bool, expectation: bool) {
+        let message =
+            create_test_versioned_message(&[Pubkey::new_unique()], &[Pubkey::new_unique()], vec![]);
+
+        let mut account_locks = ReadWriteAccountSet::default();
+        assert!(account_locks.check_static_account_locks(&message));
+
+        let conflict_key = message.static_account_keys().get(conflict_index).unwrap();
+        if add_write {
+            account_locks.add_write(conflict_key);
+        } else {
+            account_locks.add_read(conflict_key);
+        }
+        assert_eq!(
+            expectation,
+            account_locks.check_static_account_locks(&message)
+        );
+    }
+
+    #[test]
+    fn test_check_static_account_locks_write_write_conflict() {
+        test_check_static_account_locks(0, true, false);
+    }
+
+    #[test]
+    fn test_check_static_account_locks_read_write_conflict() {
+        test_check_static_account_locks(0, false, false);
+    }
+
+    #[test]
+    fn test_check_static_account_locks_write_read_conflict() {
+        test_check_static_account_locks(1, true, false);
+    }
+
+    #[test]
+    fn test_check_static_account_locks_read_read_non_conflict() {
+        test_check_static_account_locks(1, false, true);
+    }
+
+    // Helper function (could potentially use test_case in future).
+    // conflict_index = 0 means write lock conflict with static key
+    // conflict_index = 1 means read lock conflict with static key
+    // conflict_index = 2 means write lock conflict with address table key
+    // conflict_index = 3 means read lock conflict with address table key
+    fn test_check_sanitized_message_account_locks(
+        conflict_index: usize,
+        add_write: bool,
+        expectation: bool,
+    ) {
+        let bank = create_test_bank();
+        let (bank, table_address) = create_test_address_lookup_table(bank, 2);
+        let tx = create_test_sanitized_transaction(
+            &Keypair::new(),
+            &[Pubkey::new_unique()],
+            vec![MessageAddressTableLookup {
+                account_key: table_address,
+                writable_indexes: vec![0],
+                readonly_indexes: vec![1],
+            }],
+            &bank,
+        );
+        let message = tx.message();
+
+        let mut account_locks = ReadWriteAccountSet::default();
+        assert!(account_locks.check_sanitized_message_account_locks(message));
+
+        let conflict_key = message.account_keys().get(conflict_index).unwrap();
+        if add_write {
+            account_locks.add_write(conflict_key);
+        } else {
+            account_locks.add_read(conflict_key);
+        }
+        assert_eq!(
+            expectation,
+            account_locks.check_sanitized_message_account_locks(message)
+        );
+    }
+
+    #[test]
+    fn test_check_sanitized_message_account_locks_write_write_conflict() {
+        test_check_sanitized_message_account_locks(0, true, false); // static key conflict
+        test_check_sanitized_message_account_locks(2, true, false); // lookup key conflict
+    }
+
+    #[test]
+    fn test_check_sanitized_message_account_locks_read_write_conflict() {
+        test_check_sanitized_message_account_locks(0, false, false); // static key conflict
+        test_check_sanitized_message_account_locks(2, false, false); // lookup key conflict
+    }
+
+    #[test]
+    fn test_check_sanitized_message_account_locks_write_read_conflict() {
+        test_check_sanitized_message_account_locks(1, true, false); // static key conflict
+        test_check_sanitized_message_account_locks(3, true, false); // lookup key conflict
+    }
+
+    #[test]
+    fn test_check_sanitized_message_account_locks_read_read_non_conflict() {
+        test_check_sanitized_message_account_locks(1, false, true); // static key conflict
+        test_check_sanitized_message_account_locks(3, false, true); // lookup key conflict
+    }
+
+    #[test]
+    pub fn test_write_write_conflict() {
+        let mut account_locks = ReadWriteAccountSet::default();
+        let account = Pubkey::new_unique();
+        assert!(account_locks.can_write(&account));
+        account_locks.add_write(&account);
+        assert!(!account_locks.can_write(&account));
+    }
+
+    #[test]
+    pub fn test_read_write_conflict() {
+        let mut account_locks = ReadWriteAccountSet::default();
+        let account = Pubkey::new_unique();
+        assert!(account_locks.can_read(&account));
+        account_locks.add_read(&account);
+        assert!(!account_locks.can_write(&account));
+        assert!(account_locks.can_read(&account));
+    }
+
+    #[test]
+    pub fn test_write_read_conflict() {
+        let mut account_locks = ReadWriteAccountSet::default();
+        let account = Pubkey::new_unique();
+        assert!(account_locks.can_write(&account));
+        account_locks.add_write(&account);
+        assert!(!account_locks.can_write(&account));
+        assert!(!account_locks.can_read(&account));
+    }
+
+    #[test]
+    pub fn test_read_read_non_conflict() {
+        let mut account_locks = ReadWriteAccountSet::default();
+        let account = Pubkey::new_unique();
+        assert!(account_locks.can_read(&account));
+        account_locks.add_read(&account);
+        assert!(account_locks.can_read(&account));
+    }
+
+    #[test]
+    pub fn test_write_write_different_keys() {
+        let mut account_locks = ReadWriteAccountSet::default();
+        let account1 = Pubkey::new_unique();
+        let account2 = Pubkey::new_unique();
+        assert!(account_locks.can_write(&account1));
+        account_locks.add_write(&account1);
+        assert!(account_locks.can_write(&account2));
+        assert!(account_locks.can_read(&account2));
+    }
+}
diff --git a/core/src/unprocessed_transaction_storage.rs b/core/src/unprocessed_transaction_storage.rs
index 2e136f8d06f4f8..87258faf2fe9a6 100644
--- a/core/src/unprocessed_transaction_storage.rs
+++ b/core/src/unprocessed_transaction_storage.rs
@@ -9,6 +9,7 @@ use {
         },
         leader_slot_banking_stage_metrics::LeaderSlotMetricsTracker,
         multi_iterator_scanner::{MultiIteratorScanner, ProcessingDecision},
+        read_write_account_set::ReadWriteAccountSet,
         unprocessed_packet_batches::{
             DeserializedPacket, PacketBatchInsertionMetrics, UnprocessedPacketBatches,
         },
@@ -18,13 +19,10 @@ use {
     solana_measure::measure,
     solana_runtime::bank::Bank,
     solana_sdk::{
-        clock::FORWARD_TRANSACTIONS_TO_LEADER_AT_SLOT_OFFSET, pubkey::Pubkey,
-        saturating_add_assign, transaction::SanitizedTransaction,
-    },
-    std::{
-        collections::HashSet,
-        sync::{atomic::Ordering, Arc},
+        clock::FORWARD_TRANSACTIONS_TO_LEADER_AT_SLOT_OFFSET, saturating_add_assign,
+        transaction::SanitizedTransaction,
     },
+    std::sync::{atomic::Ordering, Arc},
 };
 
 // Step-size set to be 64, equal to the maximum batch/entry size. With the
@@ -131,7 +129,7 @@ fn filter_processed_packets<'a, F>(
 /// multi-iterator checking function.
 pub struct ConsumeScannerPayload<'a> {
     pub reached_end_of_slot: bool,
-    pub write_accounts: HashSet<Pubkey>,
+    pub account_locks: ReadWriteAccountSet,
     pub sanitized_transactions: Vec<SanitizedTransaction>,
     pub slot_metrics_tracker: &'a mut LeaderSlotMetricsTracker,
 }
@@ -149,17 +147,8 @@ fn consume_scan_should_process_packet(
 
     // Before sanitization, let's quickly check the static keys (performance optimization)
     let message = &packet.transaction().get_message().message;
-    let static_keys = message.static_account_keys();
-    for key in static_keys.iter().enumerate().filter_map(|(idx, key)| {
-        if message.is_maybe_writable(idx) {
-            Some(key)
-        } else {
-            None
-        }
-    }) {
-        if payload.write_accounts.contains(key) {
-            return ProcessingDecision::Later;
-        }
+    if !payload.account_locks.check_static_account_locks(message) {
+        return ProcessingDecision::Later;
     }
 
     // Try to deserialize the packet
@@ -178,29 +167,19 @@ fn consume_scan_should_process_packet(
     if let Some(sanitized_transaction) = maybe_sanitized_transaction {
         let message = sanitized_transaction.message();
 
-        let conflicts_with_batch = message.account_keys().iter().enumerate().any(|(idx, key)| {
-            if message.is_writable(idx) {
-                payload.write_accounts.contains(key)
-            } else {
-                false
-            }
-        });
-
-        if conflicts_with_batch {
-            ProcessingDecision::Later
-        } else {
-            message
-                .account_keys()
-                .iter()
-                .enumerate()
-                .for_each(|(idx, key)| {
-                    if message.is_writable(idx) {
-                        payload.write_accounts.insert(*key);
-                    }
-                });
-
+        // Check the number of locks and whether there are duplicates
+        if SanitizedTransaction::validate_account_locks(
+            message,
+            bank.get_transaction_account_lock_limit(),
+        )
+        .is_err()
+        {
+            ProcessingDecision::Never
+        } else if payload.account_locks.try_locking(message) {
             payload.sanitized_transactions.push(sanitized_transaction);
             ProcessingDecision::Now
+        } else {
+            ProcessingDecision::Later
         }
     } else {
         ProcessingDecision::Never
@@ -221,7 +200,7 @@ where
 {
     let payload = ConsumeScannerPayload {
         reached_end_of_slot: false,
-        write_accounts: HashSet::new(),
+        account_locks: ReadWriteAccountSet::default(),
         sanitized_transactions: Vec::with_capacity(UNPROCESSED_BUFFER_STEP_SIZE),
         slot_metrics_tracker,
     };
diff --git a/sdk/src/transaction/sanitized.rs b/sdk/src/transaction/sanitized.rs
index eaad070937ab41..cb2dfe838f146b 100644
--- a/sdk/src/transaction/sanitized.rs
+++ b/sdk/src/transaction/sanitized.rs
@@ -277,7 +277,7 @@ impl SanitizedTransaction {
     }
 
     /// Validate a transaction message against locked accounts
-    fn validate_account_locks(
+    pub fn validate_account_locks(
         message: &SanitizedMessage,
         tx_account_lock_limit: usize,
     ) -> Result<()> {