# Bancadia MCP (remote · mcp.bancadia.com)

Query Bancadia's registry of US business checking account products with structured filters.

- Trust score: 68/100 (medium)
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-08-18

## Components

- remote · `mcp.bancadia.com`: 68/100 (this document), [markdown](https://verifymcp.io/servers/macphe22-bancadia-mcp/mcp.md), [page](https://verifymcp.io/servers/macphe22-bancadia-mcp/mcp)

## Channel facts

- Endpoint: `https://mcp.bancadia.com/`
- Transports: `streamable-http`
- Auth: `none`
- Version: `2.0.0`

## Trust breakdown

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. Scores are 0–100 per category. Scoring method: https://verifymcp.io/docs/scoring (what has changed: https://verifymcp.io/docs/scoring/changelog)

Scored 2026-08-18.

- **Endpoint Security**: 71/100
  - The endpoint's TLS certificate is valid, in date, and uses a strong key.
  - 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.
  - HTTPS enforcement could not be verified: the plaintext port answered with HTTP 405, which proves neither a plaintext path nor enforcement.
  - HSTS check failed: the Strict-Transport-Security header is absent.
  - DNSSEC check failed: this domain isn't protected by DNSSEC.
- **Transport & Reachability**: 100/100
  - Verified streamable-http transport via a live MCP handshake.
- **Schema Quality & AI Usability**: 67/100
  - AI-judged instruction clarity (excellent).
  - Context-footprint check failed: tool/resource definitions use about 598 tokens (~299/item across 2 items; 2 tools + 0 resources), over budget; trim descriptions and params.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 20/100
  - Stability observed for 6 of 30 days with no destabilising changes; credit accrues until the full window elapses.
- **Tool Coverage**: 100/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 100% of tool parameters carry a description.
- **Capabilities**: 60/100
  - Spec-recency check failed: implements MCP spec 2025-06-18; the latest is 2026-07-28.

## Install

### Claude

```bash
claude mcp add --transport http macphe22-bancadia-mcp https://mcp.bancadia.com/
```

### Codex

```toml
[mcp_servers.macphe22-bancadia-mcp]
url = "https://mcp.bancadia.com/"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "macphe22-bancadia-mcp": {
      "type": "remote",
      "url": "https://mcp.bancadia.com/",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add macphe22-bancadia-mcp --url https://mcp.bancadia.com/ --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  macphe22-bancadia-mcp:
    url: "https://mcp.bancadia.com/"
```

### Other

```json
{
  "mcpServers": {
    "macphe22-bancadia-mcp": {
      "type": "http",
      "url": "https://mcp.bancadia.com/"
    }
  }
}
```

The mcpServers block is a cross-client convention. Remote transports vary, so check your client's docs.

## Changelog

Every change recorded for this component, newest first. Days that predate change tracking, or that we cannot explain, say so: "we were watching and nothing happened" and "we were not watching" are different claims.

### 2026-08-18 (score 68, +1)

No change was recorded against any check on this day. Stability & Change Management went from 17 to 20. That category is still filling its 30-day observation window: 5 days of observed history at the previous scan, 6 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-08-16 (score 67, +1)

No change was recorded against any check on this day. Stability & Change Management went from 10 to 13. That category is still filling its 30-day observation window: 3 days of observed history at the previous scan, 4 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-08-14 (score 66, +1)

No change was recorded against any check on this day. Stability & Change Management went from 3 to 7. That category is still filling its 30-day observation window: 1 days of observed history at the previous scan, 2 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-08-13 (score 65, 0)

- [functional improvement] Stability: unverified → 0.03

### 2026-08-12 (score 65)

First indexed and scored.

## MCP tools (2)

### `query_business_checking` (~410 tokens)

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.

Input parameters:

- `accounting_integration_available` (boolean): Whether the account connects to any accounting software (e.g. QuickBooks, Xero)
- `apy_min` (number): Minimum APY (inclusive), for interest-bearing accounts
- `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

### `get_business_checking_listing` (~188 tokens)

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.

Input parameters:

- `listing_slug` (string, required): 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.

## Diagnostics

Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/macphe22-bancadia-mcp/mcp#diagnostics

## Score history

- 2026-08-18: 68
- 2026-08-17: 67
- 2026-08-16: 67
- 2026-08-15: 66
- 2026-08-14: 66
- 2026-08-13: 65
- 2026-08-12: 65

## Links

- Remote endpoint: https://mcp.bancadia.com/
- Repository: https://github.com/Bancadia/bancadia-mcp
- Changelog RSS feed: https://verifymcp.io/servers/macphe22-bancadia-mcp/mcp.xml
- Changelog JSON feed: https://verifymcp.io/servers/macphe22-bancadia-mcp/mcp.json
- HTML version of this page: https://verifymcp.io/servers/macphe22-bancadia-mcp/mcp