diff --git a/components/settings/filter-settings.tsx b/components/settings/filter-settings.tsx
index d011952e..259f7705 100644
--- a/components/settings/filter-settings.tsx
+++ b/components/settings/filter-settings.tsx
@@ -160,6 +160,7 @@ export function FilterSettings() {
   const tNotifications = useTranslations("notifications");
   const { client } = useAuthStore();
   const storeMailboxes = useEmailStore((s) => s.mailboxes);
+  const fetchMailboxes = useEmailStore((s) => s.fetchMailboxes);
   const expandedFilterView = useSettingsStore((s) => s.expandedFilterView);
   const updateSetting = useSettingsStore((s) => s.updateSetting);
 
@@ -212,6 +213,22 @@ export function FilterSettings() {
     return () => { cancelled = true; };
   }, [client, managedAccountId]);
 
+  // The "move to" folder list for the primary account comes from the email
+  // store, which is normally populated when the mail view mounts. When the app
+  // is opened or refreshed directly on Settings (the mail view never mounted),
+  // that store is empty, leaving the rule editor's folder dropdown blank. Fetch
+  // mailboxes on demand here so Filters never depends on having visited Inbox
+  // first. fetchMailboxes guards against transient empty results and selecting
+  // an inbox, so it's safe to call independently; a ref keeps it to one attempt
+  // per client.
+  const primaryFetchClientRef = useRef<typeof client | null>(null);
+  useEffect(() => {
+    if (managedAccountId || !client || storeMailboxes.length > 0) return;
+    if (primaryFetchClientRef.current === client) return;
+    primaryFetchClientRef.current = client;
+    void fetchMailboxes(client);
+  }, [client, managedAccountId, storeMailboxes.length, fetchMailboxes]);
+
   const mailboxes = managedAccountId ? scopedMailboxes : storeMailboxes;
 
   const vacationStoreEnabled = useVacationStore((s) => s.isEnabled);