postgrid_create_bank_account

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

With no annotations, the description carries the full burden of behavioral disclosure. It discloses an important security-related behavior: sensitive bank details will transit through chat history. However, it does not mention the created resource's persistence, the response shape, authentication requirements, or whether creation is reversible.

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?

The description is two sentences with no waste. The core action is front-loaded, and the security warning is high-value operational guidance that 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?

Given seven parameters, no output schema, no annotations, and a privacy-sensitive mutation, the description is only minimally complete. It states the purpose and risk but omits what the response contains, how to retrieve the created bank account, and any prerequisites or timing expectations.

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?

The input schema provides 100% parameter coverage, including clear descriptions for all seven fields such as the 9-digit routing number and default country code. The description adds no parameter-specific detail, so the baseline score 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 states a specific action ('Create a bank account'), identifies the resource, and adds the contextual purpose ('for check printing'). It is clearly distinguishable from sibling bank-account tools such as get, list, and delete bank accounts.

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 implies the tool is for creating bank accounts to support check printing and explicitly points to a more secure alternative, the PostGrid dashboard. It does not enumerate when to avoid the tool or contrast it with bank-account siblings, but the routing guidance is practically useful.

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