MCP Reference

Transport

Every JSON-RPC interaction is sent as POST to https://mcp.bancadia.com/ (root path, trailing slash) with Content-Type: application/json and Accept: application/json, text/event-stream. The server may respond with either a plain application/json body (the common case, and the only mode documented in detail below) or a text/event-stream response carrying the same JSON-RPC object as a single SSE event — spec-compliant clients may request the latter by default, but no tool here emits intermediate progress events, so the two modes are equivalent in practice.

Any other method value, or an unrecognized tool name passed to tools/call, returns a JSON-RPC error with HTTP status 404 and code -32601.

Calling initializefirst is now required. It's the only method that doesn't need an Mcp-Session-Id header — every other method (including notifications) does, since initialize is what issues that session ID in the first place. A request that skips straight to tools/list or tools/call without ever calling initialize fails with 400. See Session management below for the full lifecycle.

Session management

A session is created only by a successful initialize call, returned via the Mcp-Session-Id response header. Every subsequent request on the MCP endpoint — tools/list, tools/call, notifications, GET, DELETE — must echo that same value back as an Mcp-Session-Id request header:

Mcp-Session-Id: 7e93bc81-b832-4c8b-9834-1bac55106e22

Sessions idle-expire after ~30 minutes of inactivity by default (a sliding window — every valid request resets the clock). This is a housekeeping window, not a held-open connection: each call is an ordinary independent HTTP request, and nothing stays open for 30 minutes.

A request missing the Mcp-Session-Id header (on any method other than initialize) gets 400. A request whose session has expired, or was never valid, gets 404 — call initialize again to get a new session. This is the expected, normal way a long-idle client resumes, not an error state to alarm on. See Errors below for the exact status/code combinations.

A client that wants to end its session immediately (e.g. explicit logout) rather than waiting for idle expiry can send DELETE — see below.

Authentication

tools/call requires a bearer token in the Authorization header. Tokens are obtained by registering at bancadia.com/developer/signup.

Authorization: Bearer bcd_YOUR_TOKEN_HERE

A missing header, a header without the Bearer prefix, or an unknown/revoked token all return HTTP 401 with JSON-RPC error code -32001:

{
  "jsonrpc": "2.0",
  "id": 1,
  "error": {
    "code": -32001,
    "message": "Unauthorized. Register at bancadia.com/developer/signup to obtain an API token."
  }
}

initialize and tools/list do not require a token.

Rate limiting

Successful tools/call requests are subject to a per-token sliding-window rate limit (100 requests / 60s by default). Rate-limit headers are present on every tools/call response, success or 429 — never on initialize, tools/list, /health, or /.well-known/mcp, since only tools/call is rate-limited.

Exceeding the limit returns HTTP 429 with JSON-RPC error code -32029:

{
  "jsonrpc": "2.0",
  "id": 1,
  "error": { "code": -32029, "message": "Rate limit exceeded." }
}

initialize

The standard MCP lifecycle handshake, and now the mandatory first call — no auth required, but every other method depends on the Mcp-Session-Id it issues. See Session management above.

Request

{
  "jsonrpc": "2.0",
  "id": 0,
  "method": "initialize",
  "params": {
    "protocolVersion": "2025-06-18",
    "capabilities": {},
    "clientInfo": { "name": "example-client", "version": "1.0.0" }
  }
}

Response

{
  "jsonrpc": "2.0",
  "id": 0,
  "result": {
    "protocolVersion": "2025-06-18",
    "capabilities": { "tools": {} },
    "serverInfo": { "name": "Bancadia MCP", "version": "2.0.0" }
  }
}

The HTTP response also carries an Mcp-Session-Id header — save it, you must send it back on every subsequent request:

Mcp-Session-Id: 7e93bc81-b832-4c8b-9834-1bac55106e22

protocolVersionin the response is the client's requested version if this server supports it (currently 2025-06-18, 2025-03-26, or 2024-11-05), otherwise it falls back to the latest version this server supports rather than rejecting the request. capabilities only ever advertises tools — no resources, prompts, logging, or sampling, and the tool set is static per deployment (no tools.listChanged notifications).

MCP clients typically follow a successful initialize with a notifications/initialized notification — see below.

tools/list

Returns the manifest of callable tools, each with a JSON Schema inputSchema describing its arguments. No bearer token required, but the Mcp-Session-Id from your last initialize call is. Currently returns exactly two tools.

Request

POST https://mcp.bancadia.com/
Content-Type: application/json
Mcp-Session-Id: 7e93bc81-b832-4c8b-9834-1bac55106e22

{ "jsonrpc": "2.0", "id": 1, "method": "tools/list" }

Response

{
  "jsonrpc": "2.0",
  "id": 1,
  "result": {
    "tools": [
      {
        "name": "query_business_checking",
        "description": "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.",
        "inputSchema": {
          "type": "object",
          "properties": {
            "monthly_fee_max": { "type": "number", "description": "Maximum monthly fee" },
            "minimum_opening_deposit_max": { "type": "number", "description": "Maximum minimum opening deposit" },
            "entity_types_accepted": { "type": "array", "items": { "type": "string" }, "description": "Returns listings accepting all specified entity types (e.g. llc, s_corp)" },
            "available_states": { "type": "array", "items": { "type": "string" }, "description": "Returns listings available in all specified states" },
            "target_industries": { "type": "array", "items": { "type": "string", "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"] }, "description": "Soft-ranks results toward listings built for these business types. Does not exclude non-matching but otherwise-eligible listings." },
            "target_business_profiles": { "type": "array", "items": { "type": "string", "enum": ["early_stage_startup", "vc_backed", "bootstrapped_solopreneur", "established_smb", "high_growth", "side_hustle"] }, "description": "Soft-ranks results toward listings built for this business stage/shape. Does not exclude non-matching but otherwise-eligible listings." },
            "insurance_type": { "type": "string", "enum": ["fdic", "ncua", "uninsured"], "description": "Deposit insurance type" },
            "cash_deposit_available": { "type": "boolean", "description": "Whether cash deposits are supported" },
            "sub_accounts_supported": { "type": "boolean", "description": "Whether sub-accounts are supported" },
            "free_transactions_min": { "type": "number", "description": "Minimum free transactions per month" },
            "rtp_supported": { "type": "boolean", "description": "Whether real-time payments (any rail) are supported at all" },
            "rtp_network": { "type": "string", "enum": ["fednow", "rtp_network", "both", "none"], "description": "Which real-time payment rail is supported" },
            "accounting_integration_available": { "type": "boolean", "description": "Whether the account connects to any accounting software (e.g. QuickBooks, Xero)" },
            "tax_integration_available": { "type": "boolean", "description": "Whether the account connects to any tax-prep or tax-filing software/service" },
            "expense_integration_available": { "type": "boolean", "description": "Whether the account connects to any expense/spend-management software" },
            "interest_bearing": { "type": "boolean", "description": "Whether the account earns interest" },
            "apy_min": { "type": "number", "description": "Minimum APY (inclusive), for interest-bearing accounts" }
          },
          "additionalProperties": false
        }
      },
      {
        "name": "get_business_checking_listing",
        "description": "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.",
        "inputSchema": {
          "type": "object",
          "properties": {
            "listing_slug": { "type": "string", "description": "The stable public identifier for the listing, as returned by query_business_checking" }
          },
          "required": ["listing_slug"],
          "additionalProperties": false
        }
      }
    ]
  }
}

A handful of other tool names — query_hysa, query_personal_savings, query_personal_checking, query_personal_cd, query_business_savings, query_business_cd — existed historically and may still be referenced in older material, but they are not currently routed. They don't appear in tools/list or /.well-known/mcp, and calling any of them returns the -32601 Unknown tool error described below. query_business_checking and get_business_checking_listing are the only tools available today.

notifications/initialized and other notifications

Per JSON-RPC 2.0, a request that omits id entirely is a notification and never receives a response body — the server acknowledges it with an empty HTTP 202. This applies to any id-less request, not just notifications/initialized (e.g. notifications/cancelled is handled identically). If your client sends this after a successful initialize, expect a bare 202 with no JSON body — don't try to parse one.

Like every method except initialize, notifications must also include the Mcp-Session-Id header from your last initialize call — omitting it returns 400 instead of 202.

// Request (no "id" field, session header required)
POST https://mcp.bancadia.com/
Content-Type: application/json
Mcp-Session-Id: 7e93bc81-b832-4c8b-9834-1bac55106e22

{ "jsonrpc": "2.0", "method": "notifications/initialized" }

// Response: HTTP 202, empty body

tools/call — query_business_checking

Queries active, verified business checking account listings using compound filter criteria. Requires a bearer token and a valid Mcp-Session-Id header from your last initialize call.

When a user asks to "dig deeper" or "tell me more" about one named result from this tool, prefer calling get_business_checking_listing with that result's listing_slugrather than re-running this broader query — it's cheaper and returns strictly more detail than this tool provides. See below.

Arguments

All filters are optional and combine with AND semantics — every filter you supply must match for a listing to be returned. Array filters (entity_types_accepted, available_states) require every requested value to be present on a listing (i.e. "all of", not "any of"). Unrecognized argument names are rejected (additionalProperties: false).

Two exceptions to that AND-and-exclude model: target_industries and target_business_profiles are soft-rankingsignals, not filters — a listing that doesn't match either one is still returned as long as it passes every other (real, hard) filter. Matching listings are simply reordered ahead of non-matching ones; nothing is excluded on account of these two arguments. See the worked example below the response fields.

Request

POST https://mcp.bancadia.com/
Authorization: Bearer bcd_YOUR_TOKEN_HERE
Content-Type: application/json
Mcp-Session-Id: 7e93bc81-b832-4c8b-9834-1bac55106e22

{
  "jsonrpc": "2.0",
  "id": 1,
  "method": "tools/call",
  "params": {
    "name": "query_business_checking",
    "arguments": {
      "monthly_fee_max": 0,
      "rtp_supported": true,
      "rtp_network": "both",
      "accounting_integration_available": true,
      "entity_types_accepted": ["llc", "s_corp"],
      "available_states": ["CA", "NY"],
      "target_industries": ["professional_services"]
    }
  }
}

Response

Per the MCP spec, results are wrapped in a content: [{ type: "text", text: "<json-string>" }] block rather than returned as native JSON. text is a JSON-encoded string — your client must JSON.parse(text) to get the actual array of results.

{
  "jsonrpc": "2.0",
  "id": 1,
  "result": {
    "content": [
      {
        "type": "text",
        "text": "[{\"listing_slug\":\"example-bank-business-checking-pro\",\"institution_name\":\"Example Bank\",\"institution\":{\"display_name\":\"Example Bank\",\"website_url\":\"https://examplebank.com\",\"logo_url\":\"https://examplebank.com/logo.png\",\"institution_type\":\"regional_bank\",\"support_email\":\"[email protected]\"},\"product_name\":\"Business Checking Pro\",\"monthly_fee\":0,\"monthly_fee_waiver_condition\":null,\"minimum_opening_deposit\":0,\"entity_types_accepted\":[\"llc\",\"s_corp\"],\"available_states\":[\"ALL\"],\"target_industries\":[\"professional_services\"],\"target_business_profiles\":[\"established_smb\"],\"insurance_type\":\"fdic\",\"free_transactions_per_month\":100,\"cash_deposit_available\":true,\"cash_deposit_fee_per_100\":2.5,\"monthly_cash_deposit_limit\":5000,\"sub_accounts_supported\":true,\"rtp_supported\":true,\"rtp_network\":\"both\",\"accounting_integration_available\":true,\"tax_integration_available\":false,\"expense_integration_available\":true,\"interest_bearing\":true,\"apy\":1.25,\"apy_tiers\":null,\"outgoing_domestic_wire_fee\":15,\"incoming_domestic_wire_fee\":0,\"outgoing_international_wire_fee\":45,\"incoming_international_wire_fee\":15,\"multicurrency_support\":false,\"free_domestic_wires_per_month\":2,\"per_transaction_fee_after_limit\":0.5,\"atm_fee_reimbursement\":true,\"atm_fee_reimbursement_limit\":10,\"atm_network\":\"Allpoint\",\"overdraft_protection_available\":true,\"overdraft_line_of_credit_available\":false,\"daily_debit_limit\":5000,\"ach_debit_block_available\":true,\"positive_pay_available\":true,\"remote_deposit_capture\":true,\"bill_pay_available\":true,\"check_writing_available\":true,\"corporate_card_available\":true,\"virtual_cards_available\":true,\"physical_debit_card_available\":true,\"plan_tiers\":[{\"plan_name\":\"Standard\",\"monthly_fee\":0,\"monthly_fee_waiver_condition\":null,\"apy\":1.25,\"apy_max_balance_eligible\":null,\"apy_condition\":null,\"is_default\":true,\"sort_order\":0}],\"promotions\":[{\"bonus_amount\":300,\"condition_description\":\"Deposit $2,500 within 30 days\",\"minimum_deposit\":2500,\"expiry_date\":null,\"promo_url\":\"https://example.com/promo\"}],\"application_url\":\"https://example.com/apply\",\"last_modified\":\"2026-01-01T00:00:00Z\",\"is_verified\":true}]"
      }
    ]
  }
}

JSON.parse(text)yields an array of results (empty array if nothing matched, or if the underlying query errored — errors are not surfaced to the caller). The wire format above is intentionally compact — here's that same content[0].text, decoded and pretty-printed for readability:

[
  {
    "listing_slug": "example-bank-business-checking-pro",
    "institution_name": "Example Bank",
    "institution": {
      "display_name": "Example Bank",
      "website_url": "https://examplebank.com",
      "logo_url": "https://examplebank.com/logo.png",
      "institution_type": "regional_bank",
      "support_email": "[email protected]"
    },
    "product_name": "Business Checking Pro",
    "monthly_fee": 0,
    "monthly_fee_waiver_condition": null,
    "minimum_opening_deposit": 0,
    "entity_types_accepted": ["llc", "s_corp"],
    "available_states": ["ALL"],
    "target_industries": ["professional_services"],
    "target_business_profiles": ["established_smb"],
    "insurance_type": "fdic",
    "free_transactions_per_month": 100,
    "cash_deposit_available": true,
    "cash_deposit_fee_per_100": 2.5,
    "monthly_cash_deposit_limit": 5000,
    "sub_accounts_supported": true,
    "rtp_supported": true,
    "rtp_network": "both",
    "accounting_integration_available": true,
    "tax_integration_available": false,
    "expense_integration_available": true,
    "interest_bearing": true,
    "apy": 1.25,
    "apy_tiers": null,
    "outgoing_domestic_wire_fee": 15,
    "incoming_domestic_wire_fee": 0,
    "outgoing_international_wire_fee": 45,
    "incoming_international_wire_fee": 15,
    "multicurrency_support": false,
    "free_domestic_wires_per_month": 2,
    "per_transaction_fee_after_limit": 0.5,
    "atm_fee_reimbursement": true,
    "atm_fee_reimbursement_limit": 10,
    "atm_network": "Allpoint",
    "overdraft_protection_available": true,
    "overdraft_line_of_credit_available": false,
    "daily_debit_limit": 5000,
    "ach_debit_block_available": true,
    "positive_pay_available": true,
    "remote_deposit_capture": true,
    "bill_pay_available": true,
    "check_writing_available": true,
    "corporate_card_available": true,
    "virtual_cards_available": true,
    "physical_debit_card_available": true,
    "plan_tiers": [
      {
        "plan_name": "Standard",
        "monthly_fee": 0,
        "monthly_fee_waiver_condition": null,
        "apy": 1.25,
        "apy_max_balance_eligible": null,
        "apy_condition": null,
        "is_default": true,
        "sort_order": 0
      }
    ],
    "promotions": [
      {
        "bonus_amount": 300,
        "condition_description": "Deposit $2,500 within 30 days",
        "minimum_deposit": 2500,
        "expiry_date": null,
        "promo_url": "https://example.com/promo"
      }
    ],
    "application_url": "https://example.com/apply",
    "last_modified": "2026-01-01T00:00:00Z",
    "is_verified": true
  }
]

Each result object has this shape:

All of the fields above besides the identifiers, flags with an explicit default, and plan_tiers/promotions are nullable — nullmeans "not applicable / not populated for this listing," the same convention already used by fields like apy and rtp_network. Most of these are not filterable — this section only covers what each result object includes, not what you can query on. target_industries/target_business_profilesare the one exception: they're both a response field and a request argument (see Arguments above), because the request-side values are used to soft-rank, and the response echoes back what a listing is actually tagged with.

Worked example: calling with { "target_industries": ["content_creator_solopreneur"] } ranks listings tagged content_creator_solopreneurfirst, followed by listings tagged with zero matching industries, in the same relative (monthly-fee-ascending) order they'd have appeared in without the argument. A listing that's eligible but simply hasn't been tagged with that industry is not removed from the results — it just ranks lower. This is why target_industries/target_business_profiles are documented separately from the "every filter must match" semantics that govern every other argument on this tool.

Institution

The nested object at institution on every result.

PlanTier

One row per paid subscription plan whose pricing or APY differs from the listing's flat default (e.g. a Standard/Plus/Premier ladder). At most one tier per listing has is_default: true — that tier's values seed the listing's flat monthly_fee / apy fields above.

Promotion

One-to-many welcome/bonus offers for this listing. Empty array if none.

ApyTiers

The shape of apy_tiers when populated — a canonical balance-tiered rate schema (bancadia-db migration 037, sharing its contract with migration 034) enforced across every business checking listing that has one, not a per-listing free-form shape. Object or null; null for flat-rate or non-interest accounts, or when the rate doesn't vary by balance.

ApyTier (each element of tiers)

One balance band and the rate(s) that apply within it.

Putting it together, a fully populated apy_tiers looks like this:

{
  "effective_date": "2026-01-01",
  "relationship_condition": "Maintain a linked Bancadia Business Checking account",
  "tiers": [
    {
      "min_balance": 0,
      "max_balance": 24999,
      "standard": { "interest_rate": 0.0100, "apy": 0.0100 },
      "relationship": { "interest_rate": 0.0130, "apy": 0.0130 }
    },
    {
      "min_balance": 25000,
      "max_balance": null,
      "standard": { "interest_rate": 0.0150, "apy": 0.0151 },
      "relationship": { "interest_rate": 0.0180, "apy": 0.0182 }
    }
  ]
}

In this example, a customer with a $10,000 balance who doesn't meet the relationship condition earns 1.00% APY; a customer with $30,000 who does meet it earns 1.82% APY. If a product has no relationship rate at all, every tier simply omits the relationship key and relationship_condition is null. The flat apyfield on the base result always mirrors the single best (highest) rate across this whole structure, for indexing — it's redundant with apy_tiers, not a separate figure.

tools/call — get_business_checking_listing

Returns full detail on a single business checking listing. Same auth and session requirements as query_business_checking — a bearer token and a valid Mcp-Session-Id header from your last initialize call. Rate limiting and every error code behave identically to query_business_checking too — nothing special about this tool on that front.

This is the tool to call for follow-up questions like "tell me more about X" or "what are the gotcha fees on X" after a query_business_checking result — pass the listing_slug from that result rather than re-running the broader query. It returns everything query_business_checking returns for a listing, plus general_fees and general_features — the two one-to-many tables (business_deposit_fees, business_deposit_account_features) deliberately excluded from query_business_checking's broader list response to keep multi-listing payloads bounded in size. general_fees/general_features hold only the rows with no plan_tier_id— fees or features scoped to one specific plan tier (e.g. a sub-account limit that only applies on the "Plus" plan) are nested instead under that tier, as plan_tiers[].fees / plan_tiers[].features (see the PlanTiershape above). Returns an empty array (not an error) if the slug doesn't match an active listing.

Arguments

Request

POST https://mcp.bancadia.com/
Authorization: Bearer bcd_YOUR_TOKEN_HERE
Content-Type: application/json
Mcp-Session-Id: 7e93bc81-b832-4c8b-9834-1bac55106e22

{
  "jsonrpc": "2.0",
  "id": 1,
  "method": "tools/call",
  "params": {
    "name": "get_business_checking_listing",
    "arguments": { "listing_slug": "found-business-checking" }
  }
}

Response

Same envelope as every other tool — JSON.parse(result.content[0].text) yields an array with either one element (a match was found) or zero elements (no active listing has that listing_slug, or the argument was missing/malformed). There is no dedicated "not found" error — an empty array covers both cases.

{
  "jsonrpc": "2.0",
  "id": 1,
  "result": {
    "content": [
      {
        "type": "text",
        "text": "[{\"listing_slug\":\"example-bank-business-checking-pro\",\"institution_name\":\"Example Bank\",\"institution\":{\"display_name\":\"Example Bank\",\"website_url\":\"https://examplebank.com\",\"logo_url\":\"https://examplebank.com/logo.png\",\"institution_type\":\"regional_bank\",\"support_email\":\"[email protected]\"},\"product_name\":\"Business Checking Pro\",\"monthly_fee\":0,\"monthly_fee_waiver_condition\":null,\"minimum_opening_deposit\":0,\"entity_types_accepted\":[\"llc\",\"s_corp\"],\"available_states\":[\"ALL\"],\"target_industries\":[\"professional_services\"],\"target_business_profiles\":[\"established_smb\"],\"insurance_type\":\"fdic\",\"free_transactions_per_month\":100,\"cash_deposit_available\":true,\"cash_deposit_fee_per_100\":2.5,\"monthly_cash_deposit_limit\":5000,\"sub_accounts_supported\":true,\"rtp_supported\":true,\"rtp_network\":\"both\",\"accounting_integration_available\":true,\"tax_integration_available\":false,\"expense_integration_available\":true,\"interest_bearing\":true,\"apy\":1.25,\"apy_tiers\":null,\"outgoing_domestic_wire_fee\":15,\"incoming_domestic_wire_fee\":0,\"outgoing_international_wire_fee\":45,\"incoming_international_wire_fee\":15,\"multicurrency_support\":false,\"free_domestic_wires_per_month\":2,\"per_transaction_fee_after_limit\":0.5,\"atm_fee_reimbursement\":true,\"atm_fee_reimbursement_limit\":10,\"atm_network\":\"Allpoint\",\"overdraft_protection_available\":true,\"overdraft_line_of_credit_available\":false,\"daily_debit_limit\":5000,\"ach_debit_block_available\":true,\"positive_pay_available\":true,\"remote_deposit_capture\":true,\"bill_pay_available\":true,\"check_writing_available\":true,\"corporate_card_available\":true,\"virtual_cards_available\":true,\"physical_debit_card_available\":true,\"plan_tiers\":[{\"plan_name\":\"Standard\",\"monthly_fee\":0,\"monthly_fee_waiver_condition\":null,\"apy\":1.25,\"apy_max_balance_eligible\":null,\"apy_condition\":null,\"is_default\":true,\"sort_order\":0,\"features\":[],\"fees\":[]},{\"plan_name\":\"Plus\",\"monthly_fee\":15,\"monthly_fee_waiver_condition\":\"Waived with $10,000 average daily balance\",\"apy\":1.75,\"apy_max_balance_eligible\":null,\"apy_condition\":null,\"is_default\":false,\"sort_order\":1,\"features\":[{\"category\":\"account_management\",\"description\":\"Maximum number of sub-accounts included with this plan.\",\"value\":10}],\"fees\":[]}],\"promotions\":[{\"bonus_amount\":300,\"condition_description\":\"Deposit $2,500 within 30 days\",\"minimum_deposit\":2500,\"expiry_date\":null,\"promo_url\":\"https://example.com/promo\"}],\"application_url\":\"https://example.com/apply\",\"last_modified\":\"2026-01-01T00:00:00Z\",\"is_verified\":true,\"general_fees\":[{\"fee_type\":\"overdraft\",\"amount\":35,\"amount_description\":null,\"eligibility_criteria\":null,\"tiers\":null,\"waivable\":false,\"waiver_condition\":null}],\"general_features\":[{\"category\":\"cash_handling\",\"description\":\"Free cash deposits up to $2,000/mo\",\"value\":2000},{\"category\":\"fraud_protection\",\"description\":\"Instant card freeze\",\"value\":null}]}]"
      }
    ]
  }
}

The wire format above is intentionally compact — here's that same content[0].text, decoded and pretty-printed for readability:

[
  {
    "listing_slug": "example-bank-business-checking-pro",
    "institution_name": "Example Bank",
    "institution": {
      "display_name": "Example Bank",
      "website_url": "https://examplebank.com",
      "logo_url": "https://examplebank.com/logo.png",
      "institution_type": "regional_bank",
      "support_email": "[email protected]"
    },
    "product_name": "Business Checking Pro",
    "monthly_fee": 0,
    "monthly_fee_waiver_condition": null,
    "minimum_opening_deposit": 0,
    "entity_types_accepted": ["llc", "s_corp"],
    "available_states": ["ALL"],
    "target_industries": ["professional_services"],
    "target_business_profiles": ["established_smb"],
    "insurance_type": "fdic",
    "free_transactions_per_month": 100,
    "cash_deposit_available": true,
    "cash_deposit_fee_per_100": 2.5,
    "monthly_cash_deposit_limit": 5000,
    "sub_accounts_supported": true,
    "rtp_supported": true,
    "rtp_network": "both",
    "accounting_integration_available": true,
    "tax_integration_available": false,
    "expense_integration_available": true,
    "interest_bearing": true,
    "apy": 1.25,
    "apy_tiers": null,
    "outgoing_domestic_wire_fee": 15,
    "incoming_domestic_wire_fee": 0,
    "outgoing_international_wire_fee": 45,
    "incoming_international_wire_fee": 15,
    "multicurrency_support": false,
    "free_domestic_wires_per_month": 2,
    "per_transaction_fee_after_limit": 0.5,
    "atm_fee_reimbursement": true,
    "atm_fee_reimbursement_limit": 10,
    "atm_network": "Allpoint",
    "overdraft_protection_available": true,
    "overdraft_line_of_credit_available": false,
    "daily_debit_limit": 5000,
    "ach_debit_block_available": true,
    "positive_pay_available": true,
    "remote_deposit_capture": true,
    "bill_pay_available": true,
    "check_writing_available": true,
    "corporate_card_available": true,
    "virtual_cards_available": true,
    "physical_debit_card_available": true,
    "plan_tiers": [
      {
        "plan_name": "Standard",
        "monthly_fee": 0,
        "monthly_fee_waiver_condition": null,
        "apy": 1.25,
        "apy_max_balance_eligible": null,
        "apy_condition": null,
        "is_default": true,
        "sort_order": 0,
        "features": [],
        "fees": []
      },
      {
        "plan_name": "Plus",
        "monthly_fee": 15,
        "monthly_fee_waiver_condition": "Waived with $10,000 average daily balance",
        "apy": 1.75,
        "apy_max_balance_eligible": null,
        "apy_condition": null,
        "is_default": false,
        "sort_order": 1,
        "features": [
          {
            "category": "account_management",
            "description": "Maximum number of sub-accounts included with this plan.",
            "value": 10
          }
        ],
        "fees": []
      }
    ],
    "promotions": [
      {
        "bonus_amount": 300,
        "condition_description": "Deposit $2,500 within 30 days",
        "minimum_deposit": 2500,
        "expiry_date": null,
        "promo_url": "https://example.com/promo"
      }
    ],
    "application_url": "https://example.com/apply",
    "last_modified": "2026-01-01T00:00:00Z",
    "is_verified": true,
    "general_fees": [
      {
        "fee_type": "overdraft",
        "amount": 35,
        "amount_description": null,
        "eligibility_criteria": null,
        "tiers": null,
        "waivable": false,
        "waiver_condition": null
      }
    ],
    "general_features": [
      {
        "category": "cash_handling",
        "description": "Free cash deposits up to $2,000/mo",
        "value": 2000
      },
      {
        "category": "fraud_protection",
        "description": "Instant card freeze",
        "value": null
      }
    ]
  }
]

Note in the decoded example above that the "Standard" tier has empty fees/featuresarrays while "Plus" has a tier-scoped feature, and the account-wide overdraft fee and two account-wide features are surfaced separately in general_fees / general_features rather than under any one tier. Each result object has this shape:

Institution

The nested object at institution. Identical shape to the Institution documented under query_business_checking above.

PlanTier

One row per paid subscription plan whose pricing or APY differs from the listing's flat default (e.g. a Standard/Plus/Premier ladder). At most one tier per listing has is_default: true — that tier's values seed the listing's flat monthly_fee / apy fields above. Unlike query_business_checking, every tier here carries its own features and feesarrays (both may be empty, as with the "Standard" tier in the example above).

Promotion

One-to-many welcome/bonus offers for this listing. Empty array if none. Identical shape to the Promotion documented under query_business_checking above.

ApyTiers

The shape of apy_tiers when populated — a canonical balance-tiered rate schema (bancadia-db migration 037, sharing its contract with migration 034) enforced across every business checking listing that has one, not a per-listing free-form shape. Object or null; null for flat-rate or non-interest accounts, or when the rate doesn't vary by balance. Identical shape to the ApyTiers documented under query_business_checking above.

ApyTier (each element of tiers)

One balance band and the rate(s) that apply within it.

Putting it together, a fully populated apy_tiers looks like this:

{
  "effective_date": "2026-01-01",
  "relationship_condition": "Maintain a linked Bancadia Business Checking account",
  "tiers": [
    {
      "min_balance": 0,
      "max_balance": 24999,
      "standard": { "interest_rate": 0.0100, "apy": 0.0100 },
      "relationship": { "interest_rate": 0.0130, "apy": 0.0130 }
    },
    {
      "min_balance": 25000,
      "max_balance": null,
      "standard": { "interest_rate": 0.0150, "apy": 0.0151 },
      "relationship": { "interest_rate": 0.0180, "apy": 0.0182 }
    }
  ]
}

In this example, a customer with a $10,000 balance who doesn't meet the relationship condition earns 1.00% APY; a customer with $30,000 who does meet it earns 1.82% APY. If a product has no relationship rate at all, every tier simply omits the relationship key and relationship_condition is null. The flat apyfield on the base result always mirrors the single best (highest) rate across this whole structure, for indexing — it's redundant with apy_tiers, not a separate figure.

AdditionalFee

One row from business_deposit_fees, only for fee_type values that have no dedicated flat column on the top-level result shape (e.g. overdraft, non_sufficient_funds, dormancy — not wire_domestic_outgoing etc., which are already covered by outgoing_domestic_wire_fee and friends above; this split avoids the same fee ever being represented twice by two sources that could disagree). This is the shape of both the top-level general_fees array and every plan_tiers[].fees array.

FeeVariant (each element of tiers)

One rate variant for a fee that differs by channel or condition (bancadia-db migration 032's canonical schema for business_deposit_fees.tiers — every listing that populates this field follows the same fixed shape).

Example — an outgoing domestic wire fee that's cheaper online and waived when sent by a banker on the caller's behalf:

[
  { "channel": "online", "amount": 25.00, "description": "Via online banking or mobile app" },
  { "channel": "branch", "amount": 35.00, "description": "With the help of a banker" },
  { "channel": "waived", "amount": 0.00, "description": "If originally sent via a banker referral" }
]

Feature

One row from business_deposit_account_features — narrative/marketing feature callouts, richer than the raw booleans on the top-level result shape, sorted by display order. This is the shape of both the top-level general_features array and every plan_tiers[].features array.

Unlike AdditionalFee, plan-tier features are additive, not an override— a feature row scoped to one plan tier is an extra fact about that plan (e.g. a Premier-only capability, or that plan's specific sub-account limit via value), not a replacement for some general-features row of the same description. There is no fallback to resolve here: a plan's full feature set is simply general_features plus that plan's own plan_tiers[].features, taken together (per bancadia-db migration 041).

GET — standalone SSE stream

GET https://mcp.bancadia.com/ with Accept: text/event-stream and a valid Mcp-Session-Id header opens a stream for messages the server initiates outside of a specific tools/call response (e.g. a future progress or sampling push). No tool currently sends anything on it — the stream exists so that MCP client libraries which open it unconditionally after initialize don't fail.

The server sends periodic keep-alive pingevents and closes the stream itself after roughly a minute; well-behaved clients reconnect automatically. This is handled by spec-compliant client libraries, if at all — if you're integrating by hand (Option B in the Quickstart), you never need to call this.

GET without an Accept: text/event-stream header returns 405 with no body.

DELETE — session termination

A client that's done with a session (e.g. the user closes a chat or tab) can end it immediately rather than waiting for idle expiry:

DELETE https://mcp.bancadia.com/
Mcp-Session-Id: 7e93bc81-b832-4c8b-9834-1bac55106e22

Returns 204 No Content with an empty body. This is a courtesy, not something a caller must remember to do — an unterminated session simply idle-expires (see Session management above).

Errors

The two 404 rows share an HTTP status but mean different things and need different fixes — fix the tool/method name for -32601, re-initialize for -32600. 403 and 405 are also worth noting specially: unlike every other error case here, they return no JSON-RPC body at all — just a bare HTTP status with a plain-text or empty body. A client that assumes every non-2xx response has a parseable error.code will break on these two.

Example — missing session header, and an unknown/expired session (both an id-bearing request would get):

// 400 — missing Mcp-Session-Id
{ "jsonrpc": "2.0", "id": 1, "error": { "code": -32600, "message": "Missing Mcp-Session-Id header." } }

// 404 — unknown/expired session
{ "jsonrpc": "2.0", "id": 1, "error": { "code": -32600, "message": "Session not found or expired. Re-initialize." } }

Example — calling an unrouted or unknown tool name:

{
  "jsonrpc": "2.0",
  "id": 1,
  "error": { "code": -32601, "message": "Unknown tool: query_hysa" }
}

Discovery & health endpoints

Two unauthenticated GET endpoints exist alongside the JSON-RPC endpoint: