# Bancadia

> Bancadia is a data layer that AI agents query to recommend financial products to their
> own users, starting with US business checking accounts. Agents connect through
> Bancadia's MCP server. Bancadia is infrastructure for agent builders, not a consumer
> comparison site. It runs a commission-share model: it is designed to earn an affiliate
> commission when a recommendation converts and share it with the recommending agent.
> No bank partnerships or commissions are live yet; registry access is free.

Business checking is the only live category today. Coverage is US-only.
Registry access is free; request a category at developers@bancadia.com.

## Articles

- [Articles](https://bancadia.com/articles): Scott Macpherson, Bancadia's founder, on why AEO is being approached wrong and how banks get discovered when AI agents query product data directly. Markdown: https://bancadia.com/articles.md
- [Product discovery is moving from web pages to APIs and MCP servers](https://bancadia.com/articles/product-discovery-is-moving-to-apis): Why I think product discovery is shifting from HTML built for people to data that agents query, and what Bancadia is building for it. Markdown: https://bancadia.com/articles/product-discovery-is-moving-to-apis.md
- [In AI search, the agent is the lead: why affiliate networks will overtake ad networks](https://bancadia.com/articles/ai-agents-are-bottom-of-funnel): Agents arrive at a recommendation already holding the user's full context. That makes them bottom-of-funnel lead sources, and conversion-based pay follows. Markdown: https://bancadia.com/articles/ai-agents-are-bottom-of-funnel.md
- [AI agents know everything about their user. Your product data has to keep up.](https://bancadia.com/articles/ai-agents-need-filterable-product-data): An agent's context only helps if it can be turned into filters. If your product attributes aren't structured, the agent can't match you to the user you fit best. Markdown: https://bancadia.com/articles/ai-agents-need-filterable-product-data.md
- [What AI agents need from product data: fresh, structured, token-efficient and accurate](https://bancadia.com/articles/what-ai-agents-need-from-product-data): The four requirements for product data that agents can recommend from, with a real token measurement of page scraping versus an MCP query. Markdown: https://bancadia.com/articles/what-ai-agents-need-from-product-data.md
- [Affiliate content was written for a generic reader. AI agents know exactly who they're helping.](https://bancadia.com/articles/affiliate-content-was-built-for-a-generic-reader): Listicles had to be broad because their author knew nothing about the reader. Agents know everything, and they need a data layer, not an article. Markdown: https://bancadia.com/articles/affiliate-content-was-built-for-a-generic-reader.md

## About Bancadia

- [Methodology and disclosure](https://bancadia.com/methodology): How Bancadia selects and ranks business checking products for AI agents, how commissions work and why they don't affect ranking, what data coverage looks like today, and how data freshness is tracked. Markdown: https://bancadia.com/methodology.md

## Agent integrations

- [Agent integrations](https://bancadia.com/agent-integrations): Bancadia plugs into agents that serve small businesses. Each guide below covers when that kind of agent should call Bancadia, how to connect the MCP server, a realistic tool call and response, and how to present the recommendation with a commission disclosure. Markdown: https://bancadia.com/agent-integrations.md
- [AI CFO agents](https://bancadia.com/agent-integrations/ai-cfo): During cash-position, fee and yield reviews, recommend an account that fits how the business actually holds and moves money. Markdown: https://bancadia.com/agent-integrations/ai-cfo.md
- [AI bookkeeping agents](https://bancadia.com/agent-integrations/ai-bookkeeper): When onboarding or categorization shows personal and business money mixed together, or fees eating into the books, suggest a dedicated account. Markdown: https://bancadia.com/agent-integrations/ai-bookkeeper.md
- [Treasury and cash-management agents](https://bancadia.com/agent-integrations/treasury-cash-management): When optimizing idle cash, fees and account structure, recommend an operating account that matches balance and payment patterns. Markdown: https://bancadia.com/agent-integrations/treasury-cash-management.md
- [Entity-formation platforms](https://bancadia.com/agent-integrations/entity-formation): Right after an LLC or corporation is formed, when the founder needs a first business bank account. This is the highest-intent moment. Markdown: https://bancadia.com/agent-integrations/entity-formation.md
- [SMB software with embedded agents](https://bancadia.com/agent-integrations/smb-software): Invoicing, payroll, POS and vertical SaaS. When a user connects a bank, gets paid or runs payroll, recommend an account that fits how they operate. Markdown: https://bancadia.com/agent-integrations/smb-software.md
- [AI CPA and accounting agents](https://bancadia.com/agent-integrations/ai-cpa): During tax prep, year-end close or advisory reviews, recommend an account as part of the firm's advice, with independence-aware disclosure. Markdown: https://bancadia.com/agent-integrations/ai-cpa.md
- [Financial advisor and RIA copilots](https://bancadia.com/agent-integrations/advisor-ria): For advisors serving business owners: when a planning review shows business cash in the wrong kind of account, draft a recommendation for the advisor. Markdown: https://bancadia.com/agent-integrations/advisor-ria.md

## MCP docs

- [Quickstart](https://bancadia.com/docs/quickstart): connect the MCP server and make a first tool call
- [MCP reference](https://bancadia.com/docs/mcp-reference): every JSON-RPC method, tool argument, response field and error code
- [Discovery manifest](https://bancadia.com/.well-known/mcp): server endpoint and tool list as JSON

## Optional

- [Full text](https://bancadia.com/llms-full.txt): every article, the methodology and every agent integration guide in one file

## MCP Endpoint
Endpoint: POST https://mcp.bancadia.com/ (single JSON-RPC 2.0 endpoint — the "method" field selects behavior, not the URL path)
Discovery (no auth): method "tools/list", or GET https://bancadia.com/.well-known/mcp
Query (Bearer token required): method "tools/call"
Authentication: Authorization: Bearer <token> (obtain a token at bancadia.com/developer/signup)

### query_business_checking arguments (all optional, AND semantics)
entity_types_accepted: string[] — llc | s_corp | c_corp | sole_prop | partnership | nonprofit (requires all listed values)
available_states: string[] — two-letter US state codes; a listing with ["ALL"] always matches
monthly_fee_max: number (USD)
minimum_opening_deposit_max: number (USD)
insurance_type: fdic | ncua | uninsured
cash_deposit_available: boolean
sub_accounts_supported: boolean
free_transactions_min: number
rtp_supported: boolean
rtp_network: fednow | rtp_network | both | none
accounting_integration_available: boolean
tax_integration_available: boolean
expense_integration_available: boolean
interest_bearing: boolean
apy_min: number

### query_business_checking soft-ranking (reorders results, never excludes)
target_industries: string[] — 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
target_business_profiles: string[] — early_stage_startup | vc_backed | bootstrapped_solopreneur | established_smb | high_growth | side_hustle
Listings tagged for a requested segment rank ahead of untagged ones. Eligible
listings that match no requested segment are still returned, ranked lower.

### get_business_checking_listing arguments
listing_slug: string (required) — the stable public identifier returned by query_business_checking (e.g. "found-business-checking"), not an internal database id
Returns the full listing plus gotcha fees (overdraft, NSF, dormancy) and feature
narrative omitted from broad query results. Fees and features that apply to only
one plan tier are nested under that tier in plan_tiers[]; tier-agnostic ones are
in general_fees / general_features. Use as a follow-up on a listing already
identified by query_business_checking.

Full reference (every JSON-RPC method, response shape, error codes): https://bancadia.com/docs/mcp-reference
Quickstart: https://bancadia.com/docs/quickstart

---

## Business Checking Accounts

### Lili Business Checking — Lili App Inc.
Monthly fee: $0
Entity types: sole_prop, llc, partnership, s_corp, c_corp, nonprofit
Insurance: FDIC
Available states: ALL
Last updated: 2026-07-10
Last verified: 2026-11-01
Interest bearing: No
Plans: Lili Core ($0/mo) · Lili Pro ($15/mo) · Lili Smart ($35/mo) · Lili Premium ($55/mo)
Apply: /go/lili/business-checking?src=llms_txt
Page: https://bancadia.com/products/business-checking/lili/business-checking
Markdown: https://bancadia.com/products/business-checking/lili/business-checking.md

### Mercury Business Banking — Mercury Technologies, Inc
Monthly fee: $0
Entity types: llc, s_corp, c_corp, partnership
Insurance: FDIC
Available states: ALL
Last updated: 2026-07-01
Last verified: 2026-11-01
Interest bearing: No
Apply: /go/mercury/business-banking?src=llms_txt
Page: https://bancadia.com/products/business-checking/mercury/business-banking
Markdown: https://bancadia.com/products/business-checking/mercury/business-banking.md

### Ramp Business Checking Account — Ramp Business Corporation
Monthly fee: $0
Entity types: llc, s_corp, c_corp, sole_prop, partnership, nonprofit
Insurance: FDIC
Available states: ALL
Last updated: 2026-07-06
Last verified: 2026-11-01
Interest bearing: Yes — up to 2.00% APY
Apply: /go/ramp/business-checking?src=llms_txt
Page: https://bancadia.com/products/business-checking/ramp/business-checking
Markdown: https://bancadia.com/products/business-checking/ramp/business-checking.md

### Rho Business Checking Account — Under Technologies, Inc. DBA Rho Technologies
Monthly fee: $0
Entity types: llc, c_corp, s_corp
Insurance: FDIC
Available states: ALL
Last updated: 2026-07-02
Last verified: 2026-11-01
Interest bearing: No
Apply: /go/rho/business-checking?src=llms_txt
Page: https://bancadia.com/products/business-checking/rho/business-checking
Markdown: https://bancadia.com/products/business-checking/rho/business-checking.md

### Relay Business Checking — Relay Financial Technologies Inc.
Monthly fee: $0
Entity types: sole_prop, llc, s_corp, c_corp, partnership, nonprofit
Insurance: FDIC
Available states: ALL
Last updated: 2026-07-10
Last verified: 2026-11-01
Interest bearing: No
Plans: Starter ($0/mo) · Grow ($30/mo) · Scale ($90/mo)
Apply: /go/relay/business-checking?src=llms_txt
Page: https://bancadia.com/products/business-checking/relay/business-checking
Markdown: https://bancadia.com/products/business-checking/relay/business-checking.md

### Novo Business Checking — Novo Platform Inc.
Monthly fee: $0
Entity types: sole_prop, llc, s_corp, c_corp, partnership, nonprofit
Insurance: FDIC
Available states: ALL
Last updated: 2026-07-09
Last verified: 2026-11-01
Interest bearing: No
Apply: /go/novo/business-checking?src=llms_txt
Page: https://bancadia.com/products/business-checking/novo/business-checking
Markdown: https://bancadia.com/products/business-checking/novo/business-checking.md

### Chase Business Complete Checking — JPMorgan Chase Bank, National Association
Monthly fee: $15
Entity types: llc, sole_prop, c_corp, s_corp
Insurance: FDIC
Available states: ALL
Last updated: 2026-06-28
Last verified: 2026-11-01
Interest bearing: No
Apply: /go/jpmorgan-chase-bank/business-complete-checking?src=llms_txt
Page: https://bancadia.com/products/business-checking/jpmorgan-chase-bank/business-complete-checking
Markdown: https://bancadia.com/products/business-checking/jpmorgan-chase-bank/business-complete-checking.md

### Bluevine Business Checking — Bluevine Capital Inc.
Monthly fee: $0
Entity types: sole_prop, partnership, llc, c_corp, s_corp
Insurance: FDIC
Available states: ALL
Last updated: 2026-07-08
Last verified: 2026-11-01
Interest bearing: Yes — up to 3.00% APY (1.30% by default; top rate requires a paid plan upgrade)
Plans: Standard ($0/mo, 1.30% APY) · Plus ($30/mo, 1.75% APY) · Premier ($95/mo, 3.00% APY)
Apply: /go/bluevine/business-checking?src=llms_txt
Page: https://bancadia.com/products/business-checking/bluevine/business-checking
Markdown: https://bancadia.com/products/business-checking/bluevine/business-checking.md

### Highbeam Business Deposit Account — Highbeam, Inc.
Monthly fee: $0
Entity types: llc, c_corp, s_corp, sole_prop, partnership
Insurance: FDIC
Available states: ALL
Last updated: 2026-09-28
Last verified: 2026-11-01
Interest bearing: Yes — up to 1.32% APY (default configuration earns no interest — requires a paid plan upgrade)
Apply: /go/highbeam/business-checking?src=llms_txt
Page: https://bancadia.com/products/business-checking/highbeam/business-checking
Markdown: https://bancadia.com/products/business-checking/highbeam/business-checking.md

### Grasshopper Small Business Checking — Grasshopper Bancorp, Inc.
Monthly fee: $0
Entity types: llc, s_corp, c_corp, sole_prop, partnership
Insurance: FDIC
Available states: ALL
Last updated: 2026-09-28
Last verified: 2026-11-01
Interest bearing: Yes — up to 1.35% APY (1.00% by default; top rate requires a paid plan upgrade)
Apply: /go/grasshopper/small-business-checking?src=llms_txt
Page: https://bancadia.com/products/business-checking/grasshopper/small-business-checking
Markdown: https://bancadia.com/products/business-checking/grasshopper/small-business-checking.md

### CITIBUSINESS Streamlined Checking — Citibank, N.A.
Monthly fee: $15
Entity types: sole_prop, llc, s_corp, c_corp, partnership, nonprofit
Insurance: FDIC
Available states: ALL
Last updated: 2026-07-01
Last verified: 2026-11-01
Interest bearing: No
Apply: /go/citibank/streamlined-checking?src=llms_txt
Page: https://bancadia.com/products/business-checking/citibank/streamlined-checking
Markdown: https://bancadia.com/products/business-checking/citibank/streamlined-checking.md

### Karat Business Checking — Karat Financial Technologies Incorporated
Monthly fee: $0
Entity types: llc, s_corp, c_corp, sole_prop, partnership
Insurance: FDIC
Available states: ALL
Last updated: 2026-07-14
Last verified: 2026-11-01
Interest bearing: Yes — up to 1.75% APY (default configuration earns no interest — requires a paid plan upgrade)
Plans: Karat Basic ($0/mo, 0.00% APY) · Karat Premium ($20/mo, 1.75% APY)
Apply: /go/karat/business-checking?src=llms_txt
Page: https://bancadia.com/products/business-checking/karat/business-checking
Markdown: https://bancadia.com/products/business-checking/karat/business-checking.md

### Found Business Checking — Indie Technologies, Inc. dba Found
Monthly fee: $0
Entity types: sole_prop, partnership, llc, s_corp, c_corp, nonprofit
Insurance: FDIC
Available states: ALL
Last updated: 2026-09-20
Last verified: 2026-11-01
Interest bearing: Yes — up to 2.50% APY (default configuration earns no interest — requires a paid plan upgrade)
Plans: Found Free ($0/mo, 0.00% APY) · Found Plus ($35/mo, 1.50% APY) · Found Pro ($80/mo, 2.50% APY)
Apply: /go/found/online-business-checking?src=llms_txt
Page: https://bancadia.com/products/business-checking/found/online-business-checking
Markdown: https://bancadia.com/products/business-checking/found/online-business-checking.md

---

## Comparison Pages

### Business Checking Accounts Comparison
URL: https://bancadia.com/compare/business-checking
Description: Side-by-side comparison of all verified business checking accounts — fees, rates, and requirements.

---

## Comparison Matrix Pages

Denormalized fact tables — one row per product, one column per specific fact (a fee amount, a Y/N capability).

### Full Matrix — Every Column, Every Product
Page: https://bancadia.com/compare/business-checking/all
Markdown: https://bancadia.com/compare/business-checking/all.md

### Business Checking Accounts Compared by Fee Schedule
Description: Every fee — monthly, overdraft, wire, cash deposit, stop payment, card replacement, and foreign transaction — compared side by side across every active business checking account Bancadia tracks.
Query cluster: business checking account with no stop payment fee | which business checking has the cheapest overdraft fee | business checking foreign transaction fee comparison | business checking card replacement fee | does a business checking account charge for overdraft | cheapest business checking account fees | business checking account fee comparison table
Page: https://bancadia.com/compare/business-checking/fee-schedule
Markdown: https://bancadia.com/compare/business-checking/fee-schedule.md

### Business Checking Accounts Compared by FedNow and RTP Network Support
Description: FedNow and RTP Network instant-payment support compared side by side across every active business checking account Bancadia tracks.
Query cluster: business checking account with FedNow | business checking with RTP network | free instant payments business checking | which banks support RTP for business accounts | business checking account for real-time payroll | does business checking support instant payments | FedNow vs RTP business checking
Page: https://bancadia.com/compare/business-checking/instant-payments
Markdown: https://bancadia.com/compare/business-checking/instant-payments.md

### Business Checking Accounts Compared by Cash Deposit Capability
Description: Which business checking accounts accept cash deposits, what they charge per $100, and any monthly cap — compared side by side across every active business checking account Bancadia tracks.
Query cluster: business checking account that accepts cash deposits | digital business checking with cash deposit | business checking no cash deposit fee | which online business checking accounts take cash | business checking account for a cash-heavy business | monthly cash deposit limit business checking | business checking account cash deposit fee comparison | online bank account for business that deposits cash
Page: https://bancadia.com/compare/business-checking/cash-deposits
Markdown: https://bancadia.com/compare/business-checking/cash-deposits.md

### Business Checking Accounts Compared by International & Domestic Wire Fees
Description: Outgoing and incoming domestic and international wire fees compared side by side across every active business checking account Bancadia tracks, sorted cheapest-international-wire-first for businesses paying or getting paid across borders.
Query cluster: business checking account with free international wires | cheapest business checking for paying overseas contractors | business checking account SWIFT wire fee | business checking incoming wire fee from abroad | business checking account for import export business | which business checking account is best for paying a UK contractor | business checking account with no cost cross-border payments
Page: https://bancadia.com/compare/business-checking/wire-transfer-fees
Markdown: https://bancadia.com/compare/business-checking/wire-transfer-fees.md

### Business Checking Accounts Compared by Entity Type & Nonprofit Eligibility
Description: Which business checking accounts accept sole proprietorships, LLCs, S-Corps, C-Corps, partnerships, and nonprofit organizations — compared side by side across every active business checking account Bancadia tracks.
Query cluster: business checking account for sole proprietorship | business checking account for nonprofit organization | does this business checking account accept sole proprietors | business checking account for partnership | LLC-only business checking accounts | business checking account for 501c3 | which business checking accounts accept nonprofits
Page: https://bancadia.com/compare/business-checking/entity-type-eligibility
Markdown: https://bancadia.com/compare/business-checking/entity-type-eligibility.md

### Business Checking Accounts Compared by Fraud Controls
Description: Positive pay and ACH debit block support compared side by side across every active business checking account Bancadia tracks — the two fraud controls that stop unauthorized checks and ACH debits before they post.
Query cluster: business checking account with positive pay | business checking with ACH debit block | most secure business checking account fraud controls | business checking account to prevent check fraud | business checking with ACH fraud protection | business checking accounts that block unauthorized ACH debits | does business checking offer positive pay fraud control
Page: https://bancadia.com/compare/business-checking/fraud-controls
Markdown: https://bancadia.com/compare/business-checking/fraud-controls.md

### Business Checking Accounts Compared by Interest-Bearing Status and APY
Description: Whether each active business checking account Bancadia tracks pays interest directly on the checking balance, and the highest published APY, compared side by side. Reflects only Bancadia's data model for the checking account itself — some products may pay yield through a separate linked savings sub-account not captured here.
Query cluster: business checking account that earns interest | does business checking pay interest | business checking account with highest APY | business checking account with no separate savings account needed | interest-bearing business checking account comparison | business checking APY comparison | which business checking accounts pay interest directly on the checking balance
Page: https://bancadia.com/compare/business-checking/interest-bearing-checking
Markdown: https://bancadia.com/compare/business-checking/interest-bearing-checking.md

### Business Checking Accounts Compared by Sub-Account Support
Description: Which business checking accounts let you split funds into sub-accounts for budgeting, tax savings, or payroll — compared side by side across every active business checking account Bancadia tracks.
Query cluster: business checking account with sub accounts | business checking with envelope budgeting | business checking account for payroll tax savings | business checking account with segregated fund accounting | business checking account that lets you split money into buckets | business checking account with multiple sub accounts for one business
Page: https://bancadia.com/compare/business-checking/sub-accounts
Markdown: https://bancadia.com/compare/business-checking/sub-accounts.md

### No-Monthly-Fee Business Checking Accounts, Differentiated
Description: Every business checking account with a $0 base monthly fee, cross-referenced against overdraft fees, cash deposit support, nonprofit eligibility, instant payments, and international wire costs — because "no monthly fee" alone no longer differentiates most of the market.
Query cluster: business checking account with no monthly fee | completely free business checking account | no minimum balance business checking | free business checking for LLC | business checking no monthly fee no minimum deposit | free business checking account for nonprofit
Page: https://bancadia.com/compare/business-checking/no-monthly-fee
Markdown: https://bancadia.com/compare/business-checking/no-monthly-fee.md

### Business Checking Plan-Tier Upgrade Guide
Description: For every business checking account with more than one pricing tier, a plan-by-plan breakdown of the monthly fee, APY, and waiver conditions — so the cost of upgrading (and what it unlocks) is stated plainly instead of buried in a pricing page that only shows its top tier.
Page: https://bancadia.com/compare/business-checking/plan-tier-upgrades
Markdown: https://bancadia.com/compare/business-checking/plan-tier-upgrades.md

---

## Learn Articles

### What Is FDIC Insurance?
URL: https://bancadia.com/learn/what-is-fdic-insurance
Description: FDIC insurance protects your deposits up to $250,000 per depositor per bank. Learn how it works and what it covers.

### What Is APY?
URL: https://bancadia.com/learn/what-is-apy
Description: APY (Annual Percentage Yield) reflects how much you earn on a deposit account in a year, including compound interest. Learn how to compare rates.

### Business Checking Account Common Fees
URL: https://bancadia.com/learn/business-checking-common-fees
Description: A breakdown of the most common fees on business checking accounts — monthly maintenance, transaction, wire transfer, and more.

### Business Checking vs. Savings Account
URL: https://bancadia.com/learn/business-checking-vs-savings-account
Description: Understand the key differences between business checking and savings accounts, and which is right for your business.

### What Is Treasury Management?
URL: https://bancadia.com/learn/what-is-treasury-management
Description: Treasury management covers how businesses manage their cash, liquidity, and financial risk. Learn what services banks offer and when you need them.

### Do I Need an LLC to Open a Business Bank Account?
URL: https://bancadia.com/learn/do-i-need-an-llc-to-open-a-business-bank-account
Description: You do not need an LLC to open a business bank account. Sole proprietors can open one with their EIN or SSN. Learn what documents you need.

### LLC vs. Sole Proprietorship vs. Corporation
URL: https://bancadia.com/learn/llc-vs-sole-proprietorship-vs-corporation
Description: Compare the three most common business structures — LLC, sole proprietorship, and corporation — and how each affects your banking options.