Create Bank Connection

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

Beyond the annotations, the description usefully discloses that creation is asynchronous by returning a job ID for polling. It does not mention MFA possibilities or failure modes, but it adds meaningful behavioral context not available in the annotations or schema.

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

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

Two short sentences with no filler. The action and the key return behavior are front-loaded, and every clause earns its place.

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

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

The description is adequate for a basic call: what to create, what credentials are needed, and the async return value. Gaps remain around naming the polling tool, handling MFA via answer_mfa, and explaining potential external side effects, which would make it more complete.

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

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 parameters, including that institutionId comes from search results and pin is conditionally required. The description adds no additional parameter detail, so the baseline of 3 is appropriate.

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

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

The description clearly states the action ('Create'), the resource ('bank connection'), and the return value ('job ID for polling'). It does not explain how it differs from the similarly named sibling connect_bank, so it stops short of full sibling differentiation.

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

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

The description gives no explicit guidance on when to use this tool versus connect_bank, nor does it mention prerequisites such as calling search_institutions first. The polling hint is present but not framed as an explicit workflow instruction.

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