Bancadia MCP
REMOTE · MCP.BANCADIA.COM
Query Bancadia's registry of US business checking account products with structured filters.
Available components
Last scanned (10 hours ago)
Scores higher than 84% of remote servers
Reachable. Last reached 5 Nov 2026.
Category Finance and Payments
How this component scores in each security and reliability category. Every signal is checked automatically against the live server, and we only credit what we can confirm. How we score → Why this is hard to score →
Endpoint Security71
- The endpoint's TLS certificate is valid, in date, and uses a strong key. View diagnostics → Pass
- Authorisation is enforced on tool calls, but the challenge carries no valid RFC 9728 metadata, so a client cannot discover where to get a token. See how to fix → View diagnostics → Fail
- HTTPS enforcement could not be verified: the plaintext port answered with HTTP 405, which proves neither a plaintext path nor enforcement. View diagnostics → Unverified
- HSTS check failed: the Strict-Transport-Security header is absent. See how to fix → View diagnostics → Fail
- DNSSEC check failed: this domain isn't protected by DNSSEC. See how to fix → View diagnostics → Fail
Transport & Reachability100
- Verified streamable-http transport via a live MCP handshake. View diagnostics → Pass
Schema Quality & AI Usability65
- AI-judged instruction clarity (excellent).Pass
- Context-footprint check failed: tool/resource definitions use about 707 tokens (~353/item across 2 items; 2 tools + 0 resources), over budget; trim descriptions and params. See how to fix → Fail
- Usage-examples check failed: none of the tools include examples. See how to fix → Fail
Stability & Change Management100
- No destabilizing schema changes in the last 30 days.Pass
Tool Coverage100
- 100% of tools have a non-trivial description (not blank, and not just the tool's name).Pass
- 100% of tool parameters carry a description.Pass
Tool Safety100
- No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.Pass
- We read all 2 captured tool definition(s), and no name or description among them implies an irreversible operation.Pass
- An AI judge read all 2 captured unit(s) of tool text and found none that tries to manipulate the model reading it.Pass
Capabilities60
- Spec-recency check failed: implements MCP spec 2025-06-18; the latest is 2026-07-28. See how to fix → Fail
Every change we have recorded for this component, newest first. Security-relevant changes are always shown. ▲ marks a change for the better, ▼ a change for the worse; unmarked changes are neutral.
- 17 Oct 26 0
- Tool “get_business_checking_listing” rewrote its description, which is the text the model reads security
- Tool “query_business_checking” rewrote its description, which is the text the model reads security
- 28 Sept 26 0
- We updated how we score, so this day's move reflects our rubric, not a change to the server See what changed → functional
- 25 Sept 26 0
- We updated how we score, so this day's move reflects our rubric, not a change to the server See what changed → functional
- 21 Sept 26 0
- “query_business_checking” reworded the description of “apy_min” cosmetic
1 cosmetic change on this day. Switch on “Show cosmetic changes” to see it.
- 11 Sept 26 0
- Stability: 0.97 → pass security
- 26 Aug 26 0
- We updated how we score, so this day's move reflects our rubric, not a change to the server See what changed → functional
- 13 Aug 26 0
- Stability: unverified → 0.03 ▲ functional
- 12 Aug 26 0
First indexed and scored.
Diagnostic detail from the automated scan of this channel: what the scanner observed at each step, so you can see exactly where a check passed or failed. It is informational only and never changes the trust score.
Captured 5 Nov 2026 · Probed https://mcp.bancadia.com/
TLS valid
Negotiated TLS 1.3 with TLS_AES_128_GCM_SHA256 .
| Subject | Issuer | Valid from | Valid until | Key | Signature | Serial |
|---|---|---|---|---|---|---|
| CN=bancadia.com | CN=YE1,O=Let's Encrypt,C=US | 21 Sept 2026 | 20 Dec 2026 | ECDSA 256 | ECDSA-SHA384 | 6556daf89c93b8b4fcf9118b43a36191711 |
| SANs: *.bancadia.com, bancadia.com | ||||||
| CN=YE1,O=Let's Encrypt,C=US (CA) | CN=Root YE,O=ISRG,C=US | 3 Sept 2025 | 2 Sept 2028 | ECDSA 384 | ECDSA-SHA384 | 5ddd70dd31f801c85c186a7a04b80afe |
| CN=Root YE,O=ISRG,C=US (CA) | CN=ISRG Root X2,O=Internet Security Research Group,C=US | 13 May 2026 | 2 Sept 2032 | ECDSA 384 | ECDSA-SHA384 | 872165fc34b6e5fba8add5b3705fb53a |
| CN=ISRG Root X2,O=Internet Security Research Group,C=US (CA) | CN=ISRG Root X1,O=Internet Security Research Group,C=US | 13 May 2026 | 2 Sept 2032 | ECDSA 384 | SHA256-RSA | 6c8f1dc727c7117f7baf853ac980f9cd |
Background: What to check on a remote MCP endpoint →
DNSSEC insecure
Validation of mcp.bancadia.com. — Not signed
| Zone | DS | Keys | Algorithms | Outcome |
|---|---|---|---|---|
| . | trust_anchor | 20326, 38696 | 8, 8 | Verified |
| com. | present | 19718 | 13 | Verified |
| bancadia.com. | absent | Unsigned (proven) parent-signed NSEC/NSEC3 proves an unsigned delegation |
Authentication Challenged, unverified
The endpoint asked for a token, but we could not retrieve and validate the RFC 9728 metadata that tells a client how to obtain one.
| Result | Challenged, unverified |
|---|---|
| Enforced | On tool calls |
| HTTP status | 200 |
Protected resource metadata
| Retrieved | No |
|---|---|
| Problem | no_resource_metadata |
Background: How OAuth 2.1 works in the 2026 MCP spec →
Transports 2 probes
| Transport | URL | Outcome | Status | Location |
|---|---|---|---|---|
| streamable-http | https://mcp.bancadia.com/ | Verified | 200 | |
| http (plaintext) | http://mcp.bancadia.com/ | Inconclusive | 405 |
The tools this component advertises to a client, with an estimated token cost for each. Expand a tool to see its parameters and schema. The per-tool counts are indicative and are not scored directly; the schema's total context footprint is one signal in Schema Quality & AI Usability. A tool's description is untrusted text the model reads on every call, which is what makes this list a security surface and not just an inventory: how tool poisoning works →
get_business_checking_listing ~214
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.
| Name | Type | Req | Description |
|---|---|---|---|
| listing_slug | string | yes | 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. |
No output schema declared.
No examples provided.
query_business_checking ~493
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.
| Name | Type | Req | Description |
|---|---|---|---|
| accounting_integration_available | boolean | – | Whether the account connects to any accounting software (e.g. QuickBooks, Xero) |
| apy_min | number | – | 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 acco… |
| available_states | array | – | Returns listings available in all specified states |
| cash_deposit_available | boolean | – | Whether cash deposits are supported |
| entity_types_accepted | array | – | Returns listings accepting all specified entity types (e.g. llc, s_corp) |
| expense_integration_available | boolean | – | Whether the account connects to any expense/spend-management software |
| free_transactions_min | number | – | Minimum free transactions per month |
| insurance_type | string | – | Deposit insurance type |
| interest_bearing | boolean | – | Whether the account earns interest |
| minimum_opening_deposit_max | number | – | Maximum minimum opening deposit |
| monthly_fee_max | number | – | Maximum monthly fee |
| rtp_network | string | – | Which real-time payment rail is supported |
| rtp_supported | boolean | – | Whether real-time payments (any rail) are supported at all |
| sub_accounts_supported | boolean | – | Whether sub-accounts are supported |
| target_business_profiles | array | – | Soft-ranks results toward listings built for this business stage/shape. Does not exclude non-matching but otherwise-eligible listings. |
| target_industries | array | – | Soft-ranks results toward listings built for these business types. Does not exclude non-matching but otherwise-eligible listings. |
| tax_integration_available | boolean | – | Whether the account connects to any tax-prep or tax-filing software/service |
No output schema declared.
No examples provided.
How do I install the Bancadia MCP server?
Bancadia MCP is a hosted endpoint at https://mcp.bancadia.com/, so there is nothing to install locally. Ready-made configuration for Claude, Cursor, VS Code, Codex and 5 more is on this page, copied from each client's own documentation.
remote · mcp.bancadia.com
claude mcp add --transport http macphe22-bancadia-mcp 'https://mcp.bancadia.com/'
What is the Bancadia MCP server?
Bancadia MCP is listed in the public MCP registry as io.github.macphe22/bancadia-mcp. Query Bancadia's registry of US business checking account products with structured filters. This page covers its hosted endpoint (https://mcp.bancadia.com/).
Is the Bancadia MCP server safe to use?
Bancadia MCP scores 81 out of 100 on VerifyMCP. That is a record of what we were able to check automatically, not an endorsement. The category breakdown on this page shows every signal behind the number, including the ones we could not confirm.
What tools does the Bancadia MCP server expose?
Bancadia MCP exposes 2 tools: query_business_checking, get_business_checking_listing. Their descriptions and schemas cost roughly 707 tokens of context every time the server is loaded.
Does the Bancadia MCP server require authentication?
Yes. Bancadia MCP asked us for credentials when we connected, so you will need to authorise it in your MCP client before it can do anything.
Is the Bancadia MCP server still maintained?
Bancadia MCP is still listed as active in the MCP registry. We last reached this channel on 5 November 2026. Those dates come from our own scans of the registry and the channel itself, not from anything the publisher announced.