---
name: iblai-connect-fiserv
description: "Read and write Fiserv Banking Hub data through the Banking Hub (Communicator Open APIs) on Fiserv Developer Studio and expose it to an ibl.ai agent as an MCP tool. Use when the user asks an agent to work with Fiserv Banking Hub data, or to set up a Fiserv Banking Hub MCP connection on ibl.ai."
metadata:
  kind: guide
---

# Fiserv Banking Hub connector for AI agents

> A starting point maintained on ibl.ai at https://ibl.ai/developer/connectors/fiserv — not part of the iblai/vibe repository. Checked against Fiserv's documentation on October 20, 2026; test it against your own Fiserv Banking Hub setup before you rely on it.

Fiserv runs core banking platforms such as Premier for U.S. banks and credit unions. Banking Hub exposes them through Communicator Open APIs covering parties, accounts, holds, stop checks and collateral.

## Auth & conventions

- **API:** Banking Hub (Communicator Open APIs) on Fiserv Developer Studio (REST). Normalized APIs over Fiserv banking platforms: Party Service (names, addresses, IDs, tax data, phones, email), Account Service (create and retrieve accounts), Account Hold, Stop Check and Account Collateral services.
- **Base URL:** https://bankinghub-cert.fiservapis.com (sandbox/cert; each workspace shows its Host URL)
- **Access:** Partner or license program. Create a Developer Studio account and one Banking Hub workspace for a trial key on a shared Premier sandbox. Dedicated test environments need a paid Banking Hub Connection plan; live use runs through the FI's Communicator Open.
- **Auth:** OAuth 2.0 client credentials (API key and secret via HTTP Basic). POST https://bankinghub-cert.fiservapis.com/fts-apim/oauth2/v2 with Basic auth (API key as user, secret as password) and grant_type=client_credentials. Token lasts about 15 minutes. Send Org ID and EFXHeader on calls.
- **Limits:** Access tokens are valid about 15 minutes and should be reused until expiry. One Banking Hub workspace per account; the trial plan uses a shared Premier sandbox. No rate limits on the pages loaded.
- Keep Fiserv Banking Hub credentials in environment variables or the ibl.ai credential store. Never print a token in chat and never commit one to a file.
- Destructive or outward-facing calls are marked **Confirm with the user first** — do.

## Reads

- **Parties** — Party Service: names, addresses, issued IDs, tax data, phone numbers and email addresses.
- **Account details** — Get Account Details: POST /acctservice/acctmgmt/accounts/secured (Premier DDA, CDA, loan and others).
- **Account holds** — Get Account Hold: POST /acctholdservice/stophold/accountHolds/secured.
- **Collateral** — Account Collateral Service relationships between accounts and collateral.

## Writes

- **Open account** — Add Account: POST /acctservice/acctmgmt/accounts creates a deposit or loan account on the core. **Confirm with the user first.**
- **Account hold** — Add Account Hold: POST /acctholdservice/stophold/accountHolds restricts funds. **Confirm with the user first.**
- **Stop check** — Stop Check Service refuses payment of an unpaid check. **Confirm with the user first.**
- **Party data** — Party Service operations that maintain customer names, addresses and contact data.

## Expose it to an ibl.ai agent (MCP)

Fiserv did not publish an MCP server of its own when this skill was checked. Host a small MCP server that wraps the calls above, then register it below.

First install the ibl.ai platform skills and connect your organization (writes `IBLAI_ORG`, `IBLAI_USERNAME` and `IBLAI_API_KEY` to `.env`):

```bash
npx skills add iblai/vibe --all
# then, in your coding agent:
/iblai-api-login
```

Every call below sends `Authorization: Api-Token $IBLAI_API_KEY`.

1. **Register the server** — `POST https://api.iblai.app/dm/api/ai-mentor/orgs/$IBLAI_ORG/users/$IBLAI_USERNAME/mcp-servers/` with `name`, `url`, `transport` (`sse` | `websocket` | `streamable_http`) and `auth_type` (`none` | `token` | `oauth2`). Capture the returned `id`.
   - For an API key or service credential use `auth_type=token` with `auth_scope=platform` for one key across the organization, or scope it to a single agent for one key per agent.
2. **Create the connection** — `POST https://api.iblai.app/dm/api/ai-mentor/orgs/$IBLAI_ORG/users/$IBLAI_USERNAME/mcp-server-connections/` with `server`, `scope` (`platform` | `mentor` | `user`), `auth_type`, and either `credentials` + `authorization_scheme` or a `connected_service` id for OAuth. Credentials are masked on read; never send a masked value back.
3. **Enable it on the agent** — `GET https://api.iblai.app/dm/api/ai-mentor/orgs/$IBLAI_ORG/users/$IBLAI_USERNAME/mentors/{agent_id}/settings/`, add `mcp-tool` to `tool_slugs` and the server id to `mcp_servers`, then `PATCH` the full lists back. They are replaced, not merged.

Full reference: https://ibl.ai/developer/platform/mcp/mcp-connections and the `/iblai-api-agent-mcp` skill.

## Example prompts

- "Look up the party record for this tax ID and show addresses on file"
- "Get account details and current holds for DDA account 1029384"
- "Place a $500 hold on this account pending dispute review"
- "Stop payment on check 2231 from this checking account"

## Guardrails

- Party and account data are GLBA nonpublic personal information (tax IDs, issued identifications, balances). Treat account holds and stop checks as regulated account actions.
- Request the narrowest Fiserv Banking Hub scopes or role the task needs, and prefer a read-only credential for agents that only answer questions.
- Return the fields the user asked for, not whole records; do not paste personal data into chat that the user did not request.
- Before any write, show the user exactly what will change and wait for a yes.
- Respect the documented limits above: page through results and back off on rate-limit responses instead of retrying in a loop.

## References

- Banking Hub on Fiserv Developer Studio: https://developer.fiserv.com/product/BankingHub
- Banking Hub: Before You Start: https://developer.fiserv.com/product/BankingHub/docs/?path=docs%2Fget-started.md&branch=main
- This connector on ibl.ai: https://ibl.ai/developer/connectors/fiserv
- ibl.ai MCP server connections: https://ibl.ai/developer/platform/mcp/mcp-connections