# US Bank Lookup (FDIC)

> US Bank Lookup (FDIC) is a paid API for AI agents from bess-x402.onrender.com, paid per call via x402, $0.003/call, status unknown (last checked 2026-10-30).

Look up FDIC-insured US banks by name, state, or certificate number to retrieve financial metrics, regulatory details, and operational status.

## Facts

- Endpoint: GET https://bess-x402.onrender.com/v1/finance/us-banks?utm_source=zero.xyz
- Price: $0.003/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-30
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/us-bank-lookup-fdic-e43ffd5e
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_GV_rKHWp_FNfuJ3LFnGZq

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 us-bank-lookup-fdic-e43ffd5e
```

Example prompt: Can you pull up the FDIC data for Silvergate Bank — I want to see its total assets, deposits, ROA, ROE, and current status?

## When to prefer this

Use this endpoint when you need structured financial and regulatory data about FDIC-insured US banks — particularly for counterparty risk checks, bank research, due diligence, or regulatory analysis. Prefer this over general web search when you need machine-readable fields like total assets, ROA, ROE, or charter type. Best suited for lookups by known bank name, state, or FDIC certificate number rather than broad financial market analysis.

## Known failure modes

- No matching banks found for the given name, state, or certificate — returns empty results
- Invalid state abbreviation results in no results or an error
- FDIC certificate number not found returns empty list
- Limit out of range (outside 1-50) may return an error or be clamped
- Misspelled or partial bank name may return zero results if no fuzzy matching is applied
- Service unavailable on Render cold-start delay may cause timeout

## How this service works

FDIC-insured US banks by name, state or FDIC certificate: total assets, deposits, net income, ROA, ROE, offices, regulator, charter, holding company and status. Use for bank research or counterparty checks.

## Output

Returns a list of matching FDIC-insured banks (up to the requested limit) with fields including bank name, FDIC certificate number, state, total assets, total deposits, net income, return on assets (ROA), return on equity (ROE), number of offices, primary regulator, charter class, holding company name, and active/inactive status.

## 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",
      "HEAD",
      "DELETE"
     ],
     "type": "string"
    },
    "queryParams": {
     "type": "object",
     "required": [],
     "properties": {
      "cert": {
       "type": "integer",
       "description": "FDIC certificate number"
      },
      "name": {
       "type": "string",
       "description": "Bank name, e.g. Silvergate"
      },
      "limit": {
       "type": "integer",
       "description": "Maximum number of results (1-50)"
      },
      "state": {
       "type": "string",
       "description": "Two-letter state"
      },
      "active": {
       "type": "boolean",
       "description": "Only active banks (default true)"
      }
     }
    }
   },
   "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/us-bank-lookup-fdic-e43ffd5e/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from bess-x402.onrender.com](https://www.zero.xyz/host/bess-x402.onrender.com/llms.txt)