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U.S. Bank scores 58 out of 100 on the Agent Readiness Index
U.S. Bank reaches level 2, Legible. Web experience is the strongest area at 99 out of 100. Protocol access is the weakest at 0.
U.S. Bank was scanned on October 2, 2026. Its score is 58 out of 100, level 2, Legible. An agent can read and cite your content. To reach level 3, Connectable: Offer a programmatic path: a live MCP server, a data sharing program with OAuth metadata, or a verified Poppy file.
Website: usbank.com
Score by area
| Area | Score | What it asks |
|---|---|---|
| Discoverability | 72 out of 100, worth 15 points | Can an agent find and read your pages? |
| Protocol access | 0 out of 100, worth 20 points | Can an agent connect to you through MCP or an API? |
| Identity and delegation | 70 out of 100, worth 20 points | Can a customer give an agent limited access without sharing a password? |
| Web experience | 99 out of 100, worth 15 points | Does your site work when an agent uses it? |
| Voice and IVR | Not measured yet | What happens when an agent calls your phone line? |
| Policy and governance | 66 out of 100, worth 10 points | Do your terms allow agents that act for customers? |
What is holding U.S. Bank back
- MCP server, 8 points lost. No MCP server, server card or registry entry was found for this organization. Fix: Publish a remote MCP server with OAuth. Start with read only tools such as account status, orders or location search, and publish a server card at /.well known/mcp/server card.
- Developer and data sharing program, 4 points lost. No developer portal or data sharing program was found on public pages. Fix: Document the program, the standard in use for example FDX in US banking, the supported partners and a sandbox.
- PKCE and client registration, 4 points lost. Neither PKCE nor a registration path is published. Fix: Require PKCE with S256 and support client ID metadata documents or dynamic client registration for approved agent clients.
- Documented delegate and data sharing controls, 4 points lost. No public page on delegate access or connected app controls was found. Fix: Publish a help page on delegate access and add a connected apps screen where customers revoke access.
What already works
- OAuth and OpenID metadata
- Passkeys at sign in
- Sign in page loads for a declared agent in a browser
How U.S. Bank compares
Ranked 5 of 18 on the Banks leaderboard. The average score for banks is 40.6 out of 100 across 46 organizations. The average across all 1,420 scored organizations is 42.2 out of 100.
Similar organizations
- M&T Bank, 65 out of 100
- Capital One, 59 out of 100
- PNC, 59 out of 100
- Fifth Third Bank, 56 out of 100
- JPMorgan Chase, 55 out of 100
- Byline Bank, 53 out of 100