# FDIC BankFind Verification API

> FDIC BankFind Verification API is a paid API for AI agents from tollbooth-fdic-verify.sjwilliams8.workers.dev, paid per call via x402, $0.01/call, status unknown (last checked 2026-09-13).

Verifies U.S. banks and financial institutions against FDIC BankFind Suite records, returning insurance status, charter class, and headquarters details with fuzzy name matching and confidence scoring.

## Facts

- Endpoint: GET https://tollbooth-fdic-verify.sjwilliams8.workers.dev/verify
- Price: $0.01/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-13
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/fdic-bankfind-verification-api-73981dd4
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_NU7DzL4Bp74QKnmGMM0KV

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 fdic-bankfind-verification-api-73981dd4
```

Example prompt: Can you verify whether 'Silvergate Bank' is FDIC insured and still active — check by name and tell me its charter class and headquarters?

## When to prefer this

Use this endpoint when you need to quickly screen a U.S. bank or financial institution's FDIC status, especially when you have a name (possibly fuzzy or historical), an FDIC cert number, or a domain. Prefer this over general web search when you need structured, authoritative data synced daily from the FDIC's own BankFind Suite, including for failed or renamed institutions. Not suitable as a certified compliance determination — use as an assistive screening signal.

## Known failure modes

- Institution not found in FDIC database — returns no match or low-confidence result
- Ambiguous name matches multiple institutions — returns top match with confidence score below threshold
- Domain not linked to any FDIC record — no match returned
- FDIC cert number does not exist — returns empty or error response
- Service unavailable or payment not processed — HTTP error returned
- Name typo too severe for fuzzy matching to resolve — returns incorrect or no match

## How this service works

Before your agent trusts, cites, or transacts with a U.S. bank: verify it is actually FDIC-insured, for $0.01, against the FDIC's own BankFind Suite records, synced daily. Look up by institution name (fuzzy, word-order-tolerant, confidence-scored), FDIC certificate number, or website domain. Returns insurance status, charter class, HQ city/state, and the FDIC cert; renamed and failed/inactive institutions stay findable. Assistive screening signal, not a certified compliance determination.

## Output

Returns the matched institution's FDIC insurance status (active/inactive/failed), charter class, headquarters city and state, FDIC certificate number, and a confidence score for name matches. Fuzzy matching tolerates word-order variations, and previously failed or renamed institutions remain findable by cert number or prior 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",
     "properties": {
      "cert": {
       "type": "integer",
       "description": "FDIC certificate number (exact match)."
      },
      "name": {
       "type": "string",
       "description": "Institution name to look up (fuzzy-matched)."
      },
      "domain": {
       "type": "string",
       "description": "Website domain, e.g. bankofamerica.com (exact match)."
      }
     }
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": "object"
    }
   }
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/fdic-bankfind-verification-api-73981dd4/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from tollbooth-fdic-verify.sjwilliams8.workers.dev](https://www.zero.xyz/host/tollbooth-fdic-verify.sjwilliams8.workers.dev/llms.txt)