FDIC bank lookup and coverage
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Use this when the user wants a bank's structure history from FDIC records: when it was established, mergers it absorbed, whether it failed or was acquired, and its successor bank. Takes one FDIC certificate number; returns the profile, status, failure details if any, institution-level events and a CSV. Branch openings and moves are not listed. Does not show financial statements.
FDIC certificate number of the bank, e.g. 3511. Find it with find_bank.
Pick your client. Values in capitals, like YOUR_TOKEN, are yours to fill in.
Run in a terminal
claude mcp add --transport http bank-check https://bank-check.zovo.one/mcp
Use this when the user wants a bank's structure history from FDIC records: when it was established, mergers it absorbed, whether it failed or was acquired, and its successor bank. Takes one FDIC certificate number; returns the profile, status, failure details if any, institution-level events and a CSV. Branch openings and moves are not listed. Does not show financial statements.
| Argument | Type | Description |
|---|---|---|
| cert* | integer | FDIC certificate number of the bank, e.g. 3511. Find it with find_bank. |
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"required": [
"cert"
],
"properties": {
"cert": {
"type": "integer",
"maximum": 9007199254740991,
"minimum": -9007199254740991,
"description": "FDIC certificate number of the bank, e.g. 3511. Find it with find_bank."
}
}
}Use this when the user wants to know how much of their bank deposits are FDIC insured. Takes up to 30 accounts (FDIC cert, ownership category, balance, owners, trust beneficiaries), checks each bank in live FDIC records, and applies $250,000 per owner per bank per ownership category, joint shares, and the 2024 trust rule ($250,000 per beneficiary, up to 5). Returns insured and uninsured totals per bank and category, a PDF worksheet and a CSV. The result is an estimate; it does not replace FDIC EDIE and does not cover credit unions.
| Argument | Type | Description |
|---|---|---|
| accounts* | array | Accounts to estimate, e.g. [{"cert":3511,"category":"single","balance":300000}]. Up to 30. |
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"required": [
"accounts"
],
"properties": {
"accounts": {
"type": "array",
"items": {
"type": "object",
"required": [
"cert",
"category",
"balance"
],
"properties": {
"cert": {
"type": "integer",
"maximum": 9007199254740991,
"minimum": -9007199254740991,
"description": "FDIC certificate number of the bank, e.g. 3511. Find it with find_bank."
},
"label": {
"type": "string",
"maxLength": 60,
"description": "Optional nickname shown in the worksheet, e.g. Savings."
},
"owners": {
"type": "array",
"items": {
"type": "string",
"maxLength": 60
},
"maxItems": 10,
"description": "Owner names or labels. One label for most categories (default \"you\"), e.g. [\"you\"]; 2 to 10 co-owners for joint, e.g. [\"you\", \"spouse\"]. Use the same label for the same person across accounts."
},
"balance": {
"type": "number",
"description": "Account balance in US dollars, e.g. 180000.50. Include accrued interest if known."
},
"category": {
"enum": [
"single",
"joint",
"retirement",
"trust",
"business",
"employee_benefit_plan",
"government"
],
"type": "string",
"description": "FDIC ownership category, e.g. single. One of: single, joint, retirement (IRA and other self-directed retirement accounts), trust (revocable such as POD/living trust, or irrevocable), business (corporation, partnership, unincorporated association), employee_benefit_plan, government."
},
"beneficiaries": {
"type": "integer",
"maximum": 9007199254740991,
"minimum": -9007199254740991,
"description": "Trust accounts only: number of eligible beneficiaries named, e.g. 3 (0 to 50)."
}
}
},
"maxItems": 30,
"description": "Accounts to estimate, e.g. [{\"cert\":3511,\"category\":\"single\",\"balance\":300000}]. Up to 30."
}
}
}Use this when the user asks whether a US bank is FDIC insured, or needs its FDIC certificate number, legal name, primary regulator, total assets, office count or website. Searches live FDIC BankFind records by name (optionally narrowed by state and city), by city and state, or by certificate number; returns up to 10 ranked matches and a CSV. Does not cover credit unions and does not estimate coverage (use estimate_deposit_coverage).
| Argument | Type | Description |
|---|---|---|
| cert | integer | FDIC certificate number if known, e.g. 3511. |
| city | string | City of the bank's main office, e.g. Santa Clara. Use with state. |
| name | string | Bank name or part of it, e.g. Wells Fargo. |
| state | string | Two-letter state code to narrow the search, e.g. CA. |
| include_inactive | boolean | Also include closed, merged or failed institutions, e.g. true. Default false. |
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"properties": {
"cert": {
"type": "integer",
"maximum": 9007199254740991,
"minimum": -9007199254740991,
"description": "FDIC certificate number if known, e.g. 3511."
},
"city": {
"type": "string",
"maxLength": 60,
"description": "City of the bank's main office, e.g. Santa Clara. Use with state."
},
"name": {
"type": "string",
"maxLength": 80,
"description": "Bank name or part of it, e.g. Wells Fargo."
},
"state": {
"type": "string",
"maxLength": 20,
"description": "Two-letter state code to narrow the search, e.g. CA."
},
"include_inactive": {
"type": "boolean",
"description": "Also include closed, merged or failed institutions, e.g. true. Default false."
}
}
}We read every tool's name, description and inputs the way the model will, looking for instructions hidden from you. A clean result means no warning signs, not a guarantee. Scanned Nov 8, 2026.