diff --git a/solend-sdk/package.json b/solend-sdk/package.json
index a50f465b..3b74f8cc 100644
--- a/solend-sdk/package.json
+++ b/solend-sdk/package.json
@@ -1,6 +1,6 @@
 {
   "name": "@solendprotocol/solend-sdk",
-  "version": "0.13.33",
+  "version": "0.13.35",
   "private": true,
   "main": "src/index.ts",
   "module": "src/index.ts",
diff --git a/solend-sdk/src/core/actions.ts b/solend-sdk/src/core/actions.ts
index 9647e39f..d60ba836 100644
--- a/solend-sdk/src/core/actions.ts
+++ b/solend-sdk/src/core/actions.ts
@@ -1403,6 +1403,16 @@ export class SolendActionCore {
       this.borrowReserves,
       this.programId
     );
+
+    this.depositReserves = this.depositReserves.filter((reserve) => {
+      const deposit = this.obligationAccountInfo?.deposits.find((d) => d.depositReserve.toBase58() === reserve.toBase58());
+      return deposit?.depositedAmount.gt(new BN(0));
+    });
+    this.borrowReserves = this.borrowReserves.filter((reserve) => {
+      const borrow = this.obligationAccountInfo?.borrows.find((b) => b.borrowReserve.toBase58() === reserve.toBase58());
+      return borrow?.borrowedAmountWads.gt(new BN(0));
+    });
+
     if (this.debug) console.log("adding refresh obligation ix to setup txn");
     this.setupIxs.push(refreshObligationIx);
   }