Poor Query

Hi Everybody,

I have a performance problem with this query , it takes lot of time
on the production database. is there a way to improve it ? i do vacuumdb
on this database and do anlyze on the users table separately daily

select userID, fname, lname, email, phone, dateEntered, dateCanceled,
dateSuspended, billAmount, billDate, dateBilled, datePaid, '?' as searches
from Users u
where 1=1 AND exists (select userID
from bankaccount ba
where ba.bankaccountID = u.bankaccountID
and ba.accountnumber = '12345678')
AND exists (select userID
from bankaccount ba
where ba.bankaccountID = u.bankaccountID
and ba.routingNumber = '12345678')
order by UserID desc
limit 500

QUERY PLAN
-----------------------------------------------------------------------------------------------------
Limit (cost=0.00..12752.61 rows=500 width=120)
-> Index Scan Backward using users_pkey on users u
(cost=0.00..2460462.79 rows=96469 width=120)
Filter: ((subplan) AND (subplan))
SubPlan
-> Index Scan using bankaccount_pkey on bankaccount ba
(cost=0.00..3.07 rows=1 width=0)
Index Cond: (bankaccountid = $1)
Filter: (routingnumber = '12345678'::text)
-> Index Scan using bankaccount_pkey on bankaccount ba
(cost=0.00..3.07 rows=1 width=0)
Index Cond: (bankaccountid = $1)
Filter: (accountnumber = '12345678'::text)

I tried changing it but it still takes lot of time

select userID, fname, lname, email, phone, dateEntered, dateCanceled,
dateSuspended, billAmount, billDate, dateBilled, datePaid, '?' as searches
from Users u
where 1=1 AND exists (select userID
from bankaccount ba
where ba.bankaccountID = u.bankaccountID
and ba.accountnumber = '12345678'
and ba.routingNumber = '12345678')
order by UserID desc
limit 500
QUERY PLAN
-------------------------------------------------------------------------------------------------------
Limit (cost=0.00..3309.62 rows=500 width=120)
-> Index Scan Backward using users_pkey on users u
(cost=0.00..1277101.86 rows=192938 width=120)
Filter: (subplan)
SubPlan
-> Index Scan using bankaccount_pkey on bankaccount ba
(cost=0.00..3.07 rows=1 width=0)
Index Cond: (bankaccountid = $1)
Filter: ((accountnumber = '12345678'::text) AND
(routingnumber = '12345678'::text))

the users_pkey index on the primary key userid is on users table. it
seems to be using index but it still takes lot of time.
here is the output from the pg_class for the users and bankaccount
table . Table doesnt have lot of records but this query take anywhere
from 3 to 5 min to run which is really bad for us. Can we improve the
performance on this query ?

relname | relpages | reltuples
---------+----------+-----------
users | 39967 | 385875
bankaccount | 242 | 16453

Thanks!
Pallav