Query Bancadia's registry of US business checking account products with structured filters.
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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.
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.
This tool isn't marked read-only, so it may change something on the server or in an account you connected.
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.
| Argument | Type | Description |
|---|---|---|
| listing_slug* | string | 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. |
{
"type": "object",
"required": [
"listing_slug"
],
"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."
}
},
"additionalProperties": false
}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.
| Argument | Type | Description |
|---|---|---|
| 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 accounts pay less by default. Check apy_default in the results for the standard rate. |
| rtp_network | string | Which real-time payment rail is supported |
| rtp_supported | boolean | Whether real-time payments (any rail) are supported at all |
| insurance_type | string | Deposit insurance type |
| monthly_fee_max | number | Maximum monthly fee |
| available_states | array | Returns listings available in all specified states |
| interest_bearing | boolean | Whether the account earns interest |
| target_industries | array | Soft-ranks results toward listings built for these business types. Does not exclude non-matching but otherwise-eligible listings. |
| entity_types_accepted | array | Returns listings accepting all specified entity types (e.g. llc, s_corp) |
| free_transactions_min | number | Minimum free transactions per month |
| cash_deposit_available |
| boolean |
| Whether cash deposits are supported |
| 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. |
| tax_integration_available | boolean | Whether the account connects to any tax-prep or tax-filing software/service |
| minimum_opening_deposit_max | number | Maximum minimum opening deposit |
| expense_integration_available | boolean | Whether the account connects to any expense/spend-management software |
| accounting_integration_available | boolean | Whether the account connects to any accounting software (e.g. QuickBooks, Xero) |
{
"type": "object",
"properties": {
"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."
},
"rtp_network": {
"enum": [
"fednow",
"rtp_network",
"both",
"none"
],
"type": "string",
"description": "Which real-time payment rail is supported"
},
"rtp_supported": {
"type": "boolean",
"description": "Whether real-time payments (any rail) are supported at all"
},
"insurance_type": {
"enum": [
"fdic",
"ncua",
"uninsured"
],
"type": "string",
"description": "Deposit insurance type"
},
"monthly_fee_max": {
"type": "number",
"description": "Maximum monthly fee"
},
"available_states": {
"type": "array",
"items": {
"type": "string"
},
"description": "Returns listings available in all specified states"
},
"interest_bearing": {
"type": "boolean",
"description": "Whether the account earns interest"
},
"target_industries": {
"type": "array",
"items": {
"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"
],
"type": "string",
"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."
},
"entity_types_accepted": {
"type": "array",
"items": {
"type": "string"
},
"description": "Returns listings accepting all specified entity types (e.g. llc, s_corp)"
},
"free_transactions_min": {
"type": "number",
"description": "Minimum free transactions per month"
},
"cash_deposit_available": {
"type": "boolean",
"description": "Whether cash deposits are supported"
},
"sub_accounts_supported": {
"type": "boolean",
"description": "Whether sub-accounts are supported"
},
"target_business_profiles": {
"type": "array",
"items": {
"enum": [
"early_stage_startup",
"vc_backed",
"bootstrapped_solopreneur",
"established_smb",
"high_growth",
"side_hustle"
],
"type": "string",
"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."
},
"tax_integration_available": {
"type": "boolean",
"description": "Whether the account connects to any tax-prep or tax-filing software/service"
},
"minimum_opening_deposit_max": {
"type": "number",
"description": "Maximum minimum opening deposit"
},
"expense_integration_available": {
"type": "boolean",
"description": "Whether the account connects to any expense/spend-management software"
},
"accounting_integration_available": {
"type": "boolean",
"description": "Whether the account connects to any accounting software (e.g. QuickBooks, Xero)"
}
},
"additionalProperties": false
}