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Verify a bank account

lob_bank_accounts_verify
Idempotent

Submit two micro-deposit amounts in cents to verify a bank account, required before the account can be used to draw checks.

Instructions

Verify a bank account by submitting two micro-deposit amounts (in cents) that Lob deposited into the account during registration. Required before the account can be used to draw checks.

Input Schema

TableJSON Schema
NameRequiredDescriptionDefault
idYesBank account ID (`bank_…`).
amountsYesTwo micro-deposit amounts in cents, e.g. [11, 35].
extraNoAdditional Lob API parameters not enumerated above. Merged into the request body verbatim. See https://docs.lob.com for the full parameter list per resource.
Behavior4/5

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

Annotations already provide idempotentHint and openWorldHint; description adds that it is a necessary step before check drawing, enhancing understanding of the tool's role.

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, direct and front-loaded, with no extraneous information.

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?

No output schema; description does not indicate the response format or success/failure indicators, leaving a gap for the agent.

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 covers both parameters with descriptions; description reiterates the micro-deposit amounts purpose but adds no new semantic detail beyond schema.

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

Purpose5/5

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

Clearly states the tool verifies a bank account using micro-deposit amounts, and distinguishes it from sibling tools like create, delete, get, list.

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?

Explicitly states that verification is required before the account can be used to draw checks, providing clear context for when to use it.

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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