generated: '2026-09-05'
method: derived
status: candidate
source: >-
  Derived from the operations in the 12 contracts under openapi/. Searched 2026-09-05 for a Citizens
  MCP server - developer.citizensbank.com/mcp returns the portal search page (soft 404), no
  /.well-known/ai-plugin.json or agent card is served on any Citizens host, and no npm or PyPI
  package exists. No MCP server is published by Citizens Financial Group.
provider: Citizens Financial Group
providerId: citizens-financial-group
deployment:
  mode: none
  endpoint: null
  install: null
  package: null
  auth: unknown
  verified: derived
note: >-
  THIS IS A CANDIDATE, NOT A SERVER. Citizens publishes no MCP server, hosted or local. The tools
  below are what an MCP server over the published Citizens contracts would expose; every one is
  backed by a real operationId in openapi/. Any deployment would inherit the Citizens access model:
  OAuth 2.0 private_key_jwt over mTLS, an IP allowlist provisioned at onboarding, and an
  X-IBM-Client-Id issued by the developer portal - so this cannot be stood up by a third party.
tools:
  - name: initiate_payment
    description: Submit an RTP or ACH payment instruction and receive a payment reference and status.
    rest: [initiatePayment]
    api: Payments
    consequence: high - moves money, and no reversal operation is published
  - name: get_payment_status
    description: Retrieve the status of a previously submitted payment, including RTP reject code and description.
    rest: [retrievePaymentStatus]
    api: Payments
    consequence: read-only
  - name: check_rtp_participant
    description: Check whether a routing number is in the RTP network and currently able to receive payments.
    rest: [checkParticipantStatus]
    api: Payments
    consequence: read-only
  - name: initiate_account_transfer
    description: Initiate a single same-day transfer between the client's own Citizens accounts.
    rest: [initiateTransfer]
    api: Account Transfer
    consequence: high - moves money, no reversal published
  - name: validate_account
    description: Validate payee account number, routing number and beneficiary name; returns a reference id.
    rest: [getAccountInquiry]
    api: Account Validation
    consequence: billable - $1.25 per successful validation
  - name: get_account_validation_status
    description: Retrieve an account validation result by reference id (max three reads after completion).
    rest: [getAccountInquiryByRefId]
    api: Account Validation
    consequence: read-only
  - name: list_accounts
    description: Retrieve the authorized account list for information reporting.
    rest: [getAccountList]
    api: Information Reporting
    consequence: read-only
  - name: query_balances
    description: Retrieve balances for authorized deposit accounts.
    rest: [getAccountDetails]
    api: Information Reporting
    consequence: read-only
  - name: query_transactions
    description: Retrieve transaction history for an authorized account (100 default, up to 2000 records).
    rest: [getTransactions]
    api: Information Reporting
    consequence: read-only
  - name: find_atms
    description: Find Citizens ATMs by postal code, state/city or latitude/longitude.
    rest: [findAtmsByPostalCode]
    api: ATM Locator
    consequence: read-only
    note: Only the postal-code operation carries an operationId in the published contract; the state/city and lat/long operations are unnamed.
  - name: find_branches
    description: Find Citizens branches by postal code, state/city, latitude/longitude or routing number.
    rest: [findBranchesByPostalCode]
    api: Branch Locator
    consequence: read-only
    note: Only the postal-code operation carries an operationId in the published contract.
tool_count: 11
gaps:
  - >-
    The FDX Accounts and Statements contracts and the Authorize contract declare no operationIds at
    all, so their operations cannot be bound to named tools without inventing identifiers. They are
    deliberately omitted from the tool list rather than given made-up names.
maintainers:
  - FN: Kin Lane
    email: kin@apievangelist.com