Add business checking recommendations to your AI bookkeeping agent

{
  "mcpServers": {
    "bancadia": {
      "command": "npx",
      "args": [
        "-y",
        "mcp-remote",
        "https://mcp.bancadia.com/",
        "--header",
        "Authorization:${BANCADIA_AUTH}"
      ],
      "env": {
        "BANCADIA_AUTH": "Bearer sk_bancadia_YOUR_TOKEN"
      }
    }
  }
}

claude mcp add --transport http bancadia https://mcp.bancadia.com/ \
  --header "Authorization: Bearer sk_bancadia_YOUR_TOKEN"

import { Client } from '@modelcontextprotocol/sdk/client/index.js'
import { StreamableHTTPClientTransport } from '@modelcontextprotocol/sdk/client/streamableHttp.js'

const transport = new StreamableHTTPClientTransport(new URL('https://mcp.bancadia.com/'), {
  requestInit: {
    headers: { Authorization: `Bearer ${process.env.BANCADIA_MCP_API_TOKEN}` },
  },
})
const client = new Client({ name: 'your-agent', version: '1.0.0' })
await client.connect(transport) // runs initialize + session negotiation

const result = await client.callTool({
  name: 'query_business_checking',
  arguments: {
    "entity_types_accepted": [
      "llc"
    ],
    "available_states": [
      "NY"
    ],
    "monthly_fee_max": 0,
    "free_transactions_min": 60,
    "accounting_integration_available": true,
    "target_industries": [
      "content_creator_solopreneur"
    ],
    "target_business_profiles": [
      "bootstrapped_solopreneur"
    ]
  },
})

// content[0].text is a JSON-encoded array of listings
const listings = JSON.parse(result.content[0].text)
await client.close()

import { createMCPClient } from '@ai-sdk/mcp'
import { generateText, stepCountIs } from 'ai'

const bancadia = await createMCPClient({
  transport: {
    type: 'http',
    url: 'https://mcp.bancadia.com/',
    headers: { Authorization: `Bearer ${process.env.BANCADIA_MCP_API_TOKEN}` },
  },
})

try {
  const { text } = await generateText({
    model: yourModel,
    system: SYSTEM_PROMPT, // see the system-prompt snippet below
    messages,
    tools: await bancadia.tools(), // query_business_checking, get_business_checking_listing
    stopWhen: stepCountIs(4),
  })
} finally {
  await bancadia.close()
}

import json, os
from mcp import ClientSession
from mcp.client.streamable_http import streamablehttp_client

headers = {"Authorization": f"Bearer {os.environ['BANCADIA_MCP_API_TOKEN']}"}

async with streamablehttp_client("https://mcp.bancadia.com/", headers=headers) as (read, write, _):
    async with ClientSession(read, write) as session:
        await session.initialize()
        result = await session.call_tool(
            "query_business_checking",
            {
                "entity_types_accepted": [
                    "llc"
                ],
                "available_states": [
                    "NY"
                ],
                "monthly_fee_max": 0,
                "free_transactions_min": 60,
                "accounting_integration_available": True,
                "target_industries": [
                    "content_creator_solopreneur"
                ],
                "target_business_profiles": [
                    "bootstrapped_solopreneur"
                ]
            },
        )
        listings = json.loads(result.content[0].text)

{
  "name": "query_business_checking",
  "arguments": {
    "entity_types_accepted": [
      "llc"
    ],
    "available_states": [
      "NY"
    ],
    "monthly_fee_max": 0,
    "free_transactions_min": 60,
    "accounting_integration_available": true,
    "target_industries": [
      "content_creator_solopreneur"
    ],
    "target_business_profiles": [
      "bootstrapped_solopreneur"
    ]
  }
}

[
  {
    "listing_slug": "example-digital-bank-freelancer-business-checking",
    "institution_name": "Example Digital Bank",
    "product_name": "Freelancer Business Checking",
    "monthly_fee": 0,
    "monthly_fee_waiver_condition": null,
    "minimum_opening_deposit": 0,
    "entity_types_accepted": [
      "llc",
      "sole_prop"
    ],
    "available_states": [
      "ALL"
    ],
    "target_industries": [
      "content_creator_solopreneur"
    ],
    "target_business_profiles": [
      "bootstrapped_solopreneur",
      "side_hustle"
    ],
    "insurance_type": "fdic",
    "free_transactions_per_month": 200,
    "per_transaction_fee_after_limit": 0.25,
    "accounting_integration_available": true,
    "expense_integration_available": true,
    "application_url": "https://bancadia.com/go/example-digital-bank/freelancer-business-checking",
    "last_modified": "2026-09-15T00:00:00Z",
    "is_verified": true
  },
  {
    "listing_slug": "example-bank-simple-business-checking",
    "institution_name": "Example Bank",
    "product_name": "Simple Business Checking",
    "monthly_fee": 0,
    "monthly_fee_waiver_condition": null,
    "minimum_opening_deposit": 25,
    "entity_types_accepted": [
      "llc",
      "s_corp",
      "sole_prop",
      "partnership"
    ],
    "available_states": [
      "NY",
      "NJ",
      "CT"
    ],
    "target_industries": [],
    "target_business_profiles": [
      "established_smb"
    ],
    "insurance_type": "fdic",
    "free_transactions_per_month": 100,
    "per_transaction_fee_after_limit": 0.5,
    "accounting_integration_available": true,
    "expense_integration_available": false,
    "application_url": "https://bancadia.com/go/example-bank/simple-business-checking",
    "last_modified": "2026-09-15T00:00:00Z",
    "is_verified": true
  }
]

You are a bookkeeping agent. If onboarding or categorization shows a client
mixing personal and business money, or paying avoidable bank fees, you may
suggest opening a dedicated business checking account.

- Explain the bookkeeping reason first (cleaner books, simpler tax prep),
  then suggest an account. Keep it short, and don't repeat the suggestion
  every session if the client declines.
- Use query_business_checking with the client's entity type, state and
  monthly transaction count. Only recommend accounts the tool returned.
- Say whether the account connects to accounting software, but don't name
  a specific integration (like QuickBooks) unless the listing detail does.
- Link only to the application_url returned by the tool.
- Always include: "We may earn a commission if you open this account; it
  doesn't affect which accounts are shown."

About 40% of the transactions in your personal checking account this month
were for your business. A separate business account would make
categorizing faster and tax time simpler.

One option: Freelancer Business Checking from Example Digital Bank. It
accepts single-member LLCs in New York, has no monthly fee, includes 200
free transactions a month (you average about 60) and connects to
accounting software.

Apply: https://bancadia.com/go/example-digital-bank/freelancer-business-checking

We may earn a commission if you open this account; it doesn't affect which
accounts are shown.