Add business checking recommendations to your entity-formation or incorporation 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": [
      "OH"
    ],
    "monthly_fee_max": 0,
    "minimum_opening_deposit_max": 100,
    "target_industries": [
      "ecommerce"
    ],
    "target_business_profiles": [
      "early_stage_startup"
    ]
  },
})

// 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": [
                    "OH"
                ],
                "monthly_fee_max": 0,
                "minimum_opening_deposit_max": 100,
                "target_industries": [
                    "ecommerce"
                ],
                "target_business_profiles": [
                    "early_stage_startup"
                ]
            },
        )
        listings = json.loads(result.content[0].text)

{
  "name": "query_business_checking",
  "arguments": {
    "entity_types_accepted": [
      "llc"
    ],
    "available_states": [
      "OH"
    ],
    "monthly_fee_max": 0,
    "minimum_opening_deposit_max": 100,
    "target_industries": [
      "ecommerce"
    ],
    "target_business_profiles": [
      "early_stage_startup"
    ]
  }
}

[
  {
    "listing_slug": "example-digital-bank-business-checking",
    "institution_name": "Example Digital Bank",
    "product_name": "Business Checking",
    "monthly_fee": 0,
    "monthly_fee_waiver_condition": null,
    "minimum_opening_deposit": 0,
    "entity_types_accepted": [
      "llc",
      "s_corp",
      "c_corp",
      "sole_prop"
    ],
    "available_states": [
      "ALL"
    ],
    "target_industries": [
      "ecommerce",
      "small_business_digital_first"
    ],
    "target_business_profiles": [
      "early_stage_startup",
      "bootstrapped_solopreneur"
    ],
    "insurance_type": "fdic",
    "physical_debit_card_available": true,
    "promotions": [
      {
        "bonus_amount": 300,
        "condition_description": "Deposit $2,500 within 60 days of opening",
        "minimum_deposit": 2500,
        "expiry_date": "2026-12-31",
        "promo_url": null
      }
    ],
    "application_url": "https://bancadia.com/go/example-digital-bank/business-checking",
    "last_modified": "2026-09-15T00:00:00Z",
    "is_verified": true
  },
  {
    "listing_slug": "example-credit-union-small-business-checking",
    "institution_name": "Example Credit Union",
    "product_name": "Small Business Checking",
    "monthly_fee": 0,
    "monthly_fee_waiver_condition": null,
    "minimum_opening_deposit": 25,
    "entity_types_accepted": [
      "llc",
      "sole_prop",
      "partnership"
    ],
    "available_states": [
      "OH"
    ],
    "target_industries": [],
    "target_business_profiles": [
      "early_stage_startup"
    ],
    "insurance_type": "ncua",
    "physical_debit_card_available": true,
    "promotions": [],
    "application_url": "https://bancadia.com/go/example-credit-union/small-business-checking",
    "last_modified": "2026-09-15T00:00:00Z",
    "is_verified": true
  }
]

You help founders form companies. After formation is complete, you may
help the founder choose a business checking account using the Bancadia
tools.

- Query with the new entity type and the state where the business will
  operate (not only the formation state). Present at most three options,
  only from the tool's results.
- For each option, say why it fits a brand-new business: opening deposit,
  monthly fee, and any condition attached to a bonus.
- Opening an account is optional and separate from formation. Never imply
  it's required to use your service, or that you've opened it for them.
- Link only to the application_url returned by the tool.
- Include: "We may earn a commission if you open one of these accounts; it
  doesn't affect which accounts are shown."

Your LLC is formed. A good next step is a business bank account, so company
money stays separate from yours. Based on your LLC, your Ohio operations and
your ecommerce business, here are two options with no monthly fee:

- Business Checking from Example Digital Bank: $0 to open. It offers a
  $300 bonus if you deposit $2,500 within 60 days (offer ends December 31).
- Small Business Checking from Example Credit Union: $25 to open, and
  NCUA-insured.

Apply (Example Digital Bank): https://bancadia.com/go/example-digital-bank/business-checking
Apply (Example Credit Union): https://bancadia.com/go/example-credit-union/small-business-checking

We may earn a commission if you open one of these accounts; it doesn't
affect which accounts are shown.