Bancadia MCP gives agents structured, real-time access to Bancadia's registry of US business deposit account products — always current, not a stale scrape or a snapshot baked into a model's training data. ## Why it's useful Business banking terms change constantly — promo APYs expire, fee schedules shift, new integrations launch. Bancadia MCP queries live listings directly, so agents get accurate, up-to-date answers on: - **APYs** and rate structure - **Fees** — monthly, minimum opening deposit, overdraft/NSF/dormancy - **Features** — sub-accounts, cash deposits, real-time payment rails (FedNow/RTP) - **Integrations** — accounting, tax-prep, and expense-management software - **Eligibility** — accepted entity types, available states, deposit insurance type (FDIC/NCUA) ## What you can do - **Search** business checking listings by any combination of the filters above. - **Drill into a listing** by `listing_slug` for full fee and feature detail not returned in search results. ## Auth Requires a bearer API token from the [Bancadia developer portal](https://bancadia.com/developer/signup). Pass it as `apiToken` when connecting. ## Notes - Business accounts only; personal accounts aren't exposed through this server yet. - Read-only — no account creation, no funds movement.
MCP readiness
Readiness is how fully this listing follows its protocol and how it behaved in our probes over 30 days. It is shown for reference and does not move it in search. Search order and leaderboards use the separate quality grade (here C+, 70.0/100), which weighs availability, conformance, p95 speed and descriptor. How the two differ
| Valid MCP handshake | 10/10 | initialize and tools/list both answered. |
| Live MCP endpoint | 24/25 | Endpoint answers the MCP initialize handshake (4684 ms); slow response -1. |
| Protocol revision | 6/10 | Speaks MCP 2025-06-18, 2 revision(s) behind 2026-07-28. |
| Signed descriptor | n/a | No MCP standard defines a signed server descriptor. |
| Uptime (30 days) | 15/15 | 30/30 probes succeeded over 30 days (100%). |
| Tool declaration | 5/10 | Lists 2 tool(s) with descriptions. |
| Verified identity | 5/10 | Publisher declared (repository, package or homepage); claim this listing to verify domain control. |
| Freshness + modern flags | 4/5 | seen in a source within 7 days. |
| Auth declaration | 2/5 | Declares credential scheme: smithery_api_key. |
Compared with peers
Against 53,039 reachable MCP servers in our daily snapshot (2026-11-12 06:46 UTC). Display only; it does not change search order.
- Readiness
- Higher than 40% of peers
- This listing 79 · peer median 81
- Latency
- Faster than 20% of peers
- This listing 631 ms · peer median 326 ms
Where it loses the most points, and how to win them back
- Tool declaration −5
— Declare every tool with a description and input schema.
Now: Lists 2 tool(s) with descriptions.
- Verified identity −5
— Claim the listing and prove control of its domain.
Now: Publisher declared (repository, package or homepage); claim this listing to verify domain control.
- Protocol revision −4
— Support the current protocol revision.
Now: Speaks MCP 2025-06-18, 2 revision(s) behind 2026-07-28.
Listed in
Directories this entry was found in.
How to connect
https://server.smithery.ai/scott-macpherson/bancadia/mcpcurl -X POST https://server.smithery.ai/scott-macpherson/bancadia/mcp \
-H 'Content-Type: application/json' \
-H 'Accept: application/json, text/event-stream' \
-d '{"jsonrpc":"2.0","id":1,"method":"initialize","params":{}}'