Bancadia MCP

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. Each result's application_url is a tracked Bancadia link: give it to the user exactly as returned, including its query string.

{
  "type": "object",
  "properties": {
    "monthly_fee_max": {
      "type": "number",
      "description": "Maximum monthly fee"
    },
    "minimum_opening_deposit_max": {
      "type": "number",
      "description": "Maximum minimum opening deposit"
    },
    "entity_types_accepted": {
      "type": "array",
      "items": {
        "type": "string"
      },
      "description": "Returns listings accepting all specified entity types (e.g. llc, s_corp)"
    },
    "available_states": {
      "type": "array",
      "items": {
        "type": "string"
      },
      "description": "Returns listings available in all specified states"
    },
    "target_industries": {
      "type": "array",
      "items": {
        "type": "string",
        "enum": [
          "ecommerce",
          "retail_storefront",
          "restaurant_food_service",
          "content_creator_solopreneur",
          "professional_services",
          "real_estate",
          "healthcare_practice",
          "construction_trades",
          "trucking_logistics",
          "agriculture",
          "saas_tech",
          "nonprofit",
          "small_business_digital_first"
        ],
        "description": "One value from: ecommerce (online retail/marketplace sellers), retail_storefront (physical retail location), restaurant_food_service (restaurants, cafes, food trucks), content_creator_solopreneur (creators, influencers, freelance media), professional_services (consultants, agencies, legal/accounting firms), real_estate (agents, property managers, investors), healthcare_practice (clinics, private practices), construction_trades (contractors, tradespeople), trucking_logistics (trucking, freight, logistics), agriculture (farms, agribusiness), saas_tech (software/tech companies), nonprofit (registered nonprofit organizations), small_business_digital_first (general online/no-branch small business with no other single vertical fitting best)."
      },
      "description": "Soft-ranks results toward listings built for these business types. Does not exclude non-matching but otherwise-eligible listings."
    },
    "target_business_profiles": {
      "type": "array",
      "items": {
        "type": "string",
        "enum": [
          "early_stage_startup",
          "vc_backed",
          "bootstrapped_solopreneur",
          "established_smb",
          "high_growth",
          "side_hustle"
        ],
        "description": "One value from: early_stage_startup (pre-revenue or early-revenue new company), vc_backed (has raised institutional venture funding), bootstrapped_solopreneur (self-funded, one-person or very small team, run as primary full-time work), established_smb (operating business with existing revenue/history), high_growth (rapidly scaling regardless of funding source), side_hustle (part-time/secondary business run alongside other work or a day job)."
      },
      "description": "Soft-ranks results toward listings built for this business stage/shape. Does not exclude non-matching but otherwise-eligible listings."
    },
    "insurance_type": {
      "type": "string",
      "enum": [
        "fdic",
        "ncua",
        "uninsured"
      ],
      "description": "Deposit insurance type"
    },
    "cash_deposit_available": {
      "type": "boolean",
      "description": "Whether cash deposits are supported"
    },
    "sub_accounts_supported": {
      "type": "boolean",
      "description": "Whether sub-accounts are supported"
    },
    "free_transactions_min": {
      "type": "number",
      "description": "Minimum free transactions per month"
    },
    "rtp_supported": {
      "type": "boolean",
      "description": "Whether real-time payments (any rail) are supported at all"
    },
    "rtp_network": {
      "type": "string",
      "enum": [
        "fednow",
        "rtp_network",
        "both",
        "none"
      ],
      "description": "Which real-time payment rail is supported"
    },
    "accounting_integration_available": {
      "type": "boolean",
      "description": "Whether the account connects to any accounting software (e.g. QuickBooks, Xero)"
    },
    "tax_integration_available": {
      "type": "boolean",
      "description": "Whether the account connects to any tax-prep or tax-filing software/service"
    },
    "expense_integration_available": {
      "type": "boolean",
      "description": "Whether the account connects to any expense/spend-management software"
    },
    "interest_bearing": {
      "type": "boolean",
      "description": "Whether the account earns interest"
    },
    "apy_min": {
      "type": "number",
      "description": "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."
    }
  },
  "additionalProperties": false
}

Get full detail on one specific business checking listing, including gotcha fees (business_deposit_fees, e.g. overdraft, NSF, dormancy) and feature narrative (business_deposit_account_features) not returned by query_business_checking's broad list results. Fees/features that apply to only one plan tier (e.g. a Standard/Plus/Premier ladder) are nested under that tier in plan_tiers[].fees / plan_tiers[].features; tier-agnostic ones are in the top-level general_fees / general_features. Use this as a follow-up after query_business_checking to dig deeper on one listing the caller already identified by its listing_slug. Each result's application_url is a tracked Bancadia link: give it to the user exactly as returned, including its query string.

{
  "type": "object",
  "properties": {
    "listing_slug": {
      "type": "string",
      "description": "The listing's stable public identifier, as returned in query_business_checking results (e.g. 'found-business-checking'). Do not use an internal database id."
    }
  },
  "required": [
    "listing_slug"
  ],
  "additionalProperties": false
}