# Bank Health Verdict via FDIC Lookup

> Bank Health Verdict via FDIC Lookup is a paid API for AI agents from x402helper.xyz, paid per call via x402, $0.039/call, status unknown (last checked 2026-10-31).

Returns a health/compliance verdict for a US bank by FDIC certificate number or name, including OFAC screening, interest rates, and billing verification data.

## Facts

- Endpoint: GET https://x402helper.xyz/89e509/bankhealth/verdict?utm_source=zero.xyz
- Price: $0.039/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-31
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/bank-health-verdict-via-fdic-lookup-d623da73
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_mHk3JJFU6ZcZlRdpbxW1w

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability bank-health-verdict-via-fdic-lookup-d623da73
```

Example prompt: Can you check the health and OFAC compliance status for First National Bank of Texas — their FDIC certificate number is 12345?

## When to prefer this

Use this endpoint when you need a quick, pay-per-call OFAC screening or health verdict on a specific US bank identified by FDIC certificate number or name, especially in agentic workflows where you do not want to maintain a subscription to a full compliance data provider. Prefer it for one-off pre-transaction checks, vendor onboarding, or treasury due diligence on individual institutions.

## Known failure modes

- Bank not found by name or certificate number — returns error or empty result
- Invalid FDIC certificate number format — may return null or error
- Ambiguous bank name without state qualifier — may return wrong institution
- Service unavailable or payment not processed — returns 402 or 5xx
- State code not recognized — query falls back to name-only lookup

## How this service works

X402 micropayments server — AI agents pay USDC for OFAC screening, rates, and billing verification.

## Output

A JSON object containing a success flag and a result object with bank health verdict details, which may include OFAC screening outcome, applicable interest rates, billing verification status, and bank identification data such as FDIC certificate number and name.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "$schema": "https://json-schema.org/draft/2020-12/schema",
 "required": [
  "input"
 ],
 "properties": {
  "input": {
   "type": "object",
   "required": [
    "type",
    "method"
   ],
   "properties": {
    "type": {
     "type": "string",
     "const": "http"
    },
    "method": {
     "enum": [
      "GET"
     ],
     "type": "string"
    },
    "queryParams": {
     "type": "object",
     "required": [],
     "properties": {
      "cert": {
       "type": "integer",
       "default": null,
       "description": "FDIC certificate number (preferred)"
      },
      "name": {
       "type": "string",
       "default": null,
       "description": "Bank name (used if no cert)"
      },
      "state": {
       "type": "string",
       "default": null,
       "description": "Optional 2-letter US state code"
      }
     }
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": "object"
    }
   }
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "result": {},
  "success": true
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/bank-health-verdict-via-fdic-lookup-d623da73/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from x402helper.xyz](https://www.zero.xyz/host/x402helper.xyz/llms.txt)