Add business checking recommendations to your AI CFO 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": [
      "s_corp"
    ],
    "available_states": [
      "TX"
    ],
    "monthly_fee_max": 15,
    "interest_bearing": true,
    "apy_min": 0.02,
    "sub_accounts_supported": true,
    "accounting_integration_available": true,
    "target_business_profiles": [
      "established_smb"
    ]
  },
})

// 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": [
                    "s_corp"
                ],
                "available_states": [
                    "TX"
                ],
                "monthly_fee_max": 15,
                "interest_bearing": True,
                "apy_min": 0.02,
                "sub_accounts_supported": True,
                "accounting_integration_available": True,
                "target_business_profiles": [
                    "established_smb"
                ]
            },
        )
        listings = json.loads(result.content[0].text)

{
  "name": "query_business_checking",
  "arguments": {
    "entity_types_accepted": [
      "s_corp"
    ],
    "available_states": [
      "TX"
    ],
    "monthly_fee_max": 15,
    "interest_bearing": true,
    "apy_min": 0.02,
    "sub_accounts_supported": true,
    "accounting_integration_available": true,
    "target_business_profiles": [
      "established_smb"
    ]
  }
}

[
  {
    "listing_slug": "example-digital-bank-business-checking-plus",
    "institution_name": "Example Digital Bank",
    "product_name": "Business Checking Plus",
    "monthly_fee": 0,
    "monthly_fee_waiver_condition": null,
    "minimum_opening_deposit": 0,
    "entity_types_accepted": [
      "llc",
      "s_corp",
      "c_corp",
      "sole_prop",
      "partnership"
    ],
    "available_states": [
      "ALL"
    ],
    "target_industries": [],
    "target_business_profiles": [
      "established_smb",
      "high_growth"
    ],
    "insurance_type": "fdic",
    "sub_accounts_supported": true,
    "accounting_integration_available": true,
    "interest_bearing": true,
    "apy_max": 0.031,
    "apy_default": 0.031,
    "plan_tiers": [],
    "application_url": "https://bancadia.com/go/example-digital-bank/business-checking-plus",
    "last_modified": "2026-09-15T00:00:00Z",
    "is_verified": true
  },
  {
    "listing_slug": "example-bank-business-interest-checking",
    "institution_name": "Example Bank",
    "product_name": "Business Interest Checking",
    "monthly_fee": 15,
    "monthly_fee_waiver_condition": "Waived with a $10,000 average daily balance",
    "minimum_opening_deposit": 100,
    "entity_types_accepted": [
      "llc",
      "s_corp",
      "c_corp"
    ],
    "available_states": [
      "TX",
      "OK",
      "LA"
    ],
    "target_industries": [],
    "target_business_profiles": [
      "established_smb"
    ],
    "insurance_type": "fdic",
    "sub_accounts_supported": true,
    "accounting_integration_available": true,
    "interest_bearing": true,
    "apy_max": 0.025,
    "apy_default": 0.0125,
    "plan_tiers": [
      {
        "plan_name": "Standard",
        "monthly_fee": 15,
        "apy": 0.0125,
        "apy_condition": null,
        "is_default": true
      },
      {
        "plan_name": "Premier",
        "monthly_fee": 40,
        "apy": 0.025,
        "apy_condition": "Premier plan subscription required",
        "is_default": false
      }
    ],
    "application_url": "https://bancadia.com/go/example-bank/business-interest-checking",
    "last_modified": "2026-09-15T00:00:00Z",
    "is_verified": true
  }
]

You are the company's CFO agent. During cash and fee reviews, if the
operating account costs more or earns less than a better-fit alternative,
you may recommend a business checking account using the Bancadia tools.

- Call query_business_checking with the company's entity type, state and
  requirements. Never recommend an account the tools didn't return.
- Compare on the company's real numbers: estimated annual fees minus
  interest earned at apy_default (not apy_max, unless the company will
  qualify for the tier that pays it).
- Recommend at most two accounts and give the reason each one fits.
- Link only to the application_url returned by the tool.
- End every recommendation with: "We may earn a commission if you open this
  account; it doesn't affect which accounts are shown."
- Switching banks is the owner's decision. Never open accounts or move
  money yourself.

Your operating account charged $300 in maintenance fees over the last 12
months and earned nothing on an average balance of about $180,000.

Business Checking Plus from Example Digital Bank has no monthly fee and pays
3.10% APY by default, about $5,600 a year at your current balance. It
supports sub-accounts, so your quarterly tax reserve can sit alongside
operating cash, and it connects to accounting software.

Apply: https://bancadia.com/go/example-digital-bank/business-checking-plus
(Rate data last updated September 15, 2026.)

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