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Bancadia MCP

query_business_checking

Query the Bancadia registry for business checking account products using compound filter criteria. Returns active, verified listings from financial institutions. Optionally accepts target_industries/target_business_profiles to soft-rank results toward listings built for a given business type or stage — non-matching but eligible listings are still returned, just ranked lower.

Input Schema

TableJSON Schema
NameRequiredDescriptionDefault
apy_minNoOnly return accounts whose best available rate (apy_max) is at least this value, as a decimal (e.g. 0.02 = 2%). This is the best rate the account can pay, not what a typical customer gets — many accounts pay less by default. Check apy_default in the results for the standard rate.
rtp_networkNoWhich real-time payment rail is supported
rtp_supportedNoWhether real-time payments (any rail) are supported at all
insurance_typeNoDeposit insurance type
monthly_fee_maxNoMaximum monthly fee
available_statesNoReturns listings available in all specified states
interest_bearingNoWhether the account earns interest
target_industriesNoSoft-ranks results toward listings built for these business types. Does not exclude non-matching but otherwise-eligible listings.
entity_types_acceptedNoReturns listings accepting all specified entity types (e.g. llc, s_corp)
free_transactions_minNoMinimum free transactions per month
cash_deposit_availableNoWhether cash deposits are supported
sub_accounts_supportedNoWhether sub-accounts are supported
target_business_profilesNoSoft-ranks results toward listings built for this business stage/shape. Does not exclude non-matching but otherwise-eligible listings.
tax_integration_availableNoWhether the account connects to any tax-prep or tax-filing software/service
minimum_opening_deposit_maxNoMaximum minimum opening deposit
expense_integration_availableNoWhether the account connects to any expense/spend-management software
accounting_integration_availableNoWhether the account connects to any accounting software (e.g. QuickBooks, Xero)

Schema Changelog

Changes observed during successful MCP inspections.

  1. Changed1 schema field changed
    • changedInput schema / properties / apy_min / description
      Previous value: -"Minimum APY (inclusive), for interest-bearing accounts"New value: +"Only return accounts whose best available rate (apy_max) is at least this value, as a decimal (e.g. 0.02 = 2%). This is the best rate the account can pay, not what a typical customer gets — many accounts pay less by default. Check apy_default in the results for the standard rate."
  2. First observed

TDQS

A3.7/5.0
Behavior3/5

Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?

With no annotations, the description carries the behavioral disclosure burden. It discloses that results are active/verified and that soft-ranking does not exclude non-matching eligible listings, which is valuable. However, it does not mention compound filter combination semantics, pagination/limits, or result ordering beyond the soft-rank note.

Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.

Conciseness5/5

Is the description appropriately sized, front-loaded, and free of redundancy?

Two sentences, front-loaded with the core purpose, followed by result status and the key soft-ranking nuance. Every sentence contributes information and there is no redundancy.

Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.

Completeness3/5

Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?

For a 17-parameter query tool with no output schema or annotations, the description is useful but incomplete: it leaves out how multiple filters are combined, any result limits/pagination, and the relationship to the sibling get_business_checking_listing. The schema compensates for parameter detail but not these operational gaps.

Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.

Parameters3/5

Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?

Schema description coverage is 100%, so the schema already documents all 17 parameters. The description repeats the soft-ranking behavior of target_industries/target_business_profiles but does not add meaning beyond what the schema entries already state, so it earns the baseline 3.

Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.

Purpose4/5

Does the description clearly state what the tool does and how it differs from similar tools?

The description clearly identifies the operation (Query), the resource (Bancadia registry for business checking account products), and the result (active, verified listings). It stops short of explicitly contrasting with the sibling get_business_checking_listing, so it is clear but not fully differentiated.

Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.

Usage Guidelines4/5

Does the description explain when to use this tool, when not to, or what alternatives exist?

It gives concrete context for when to use the tool: search by compound filter criteria, with target_industries/target_business_profiles acting as optional soft-ranking inputs rather than filters. It does not state when to use get_business_checking_listing instead, so exclusions/alternatives are missing.

Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.

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