# brc_create_bank_account

Creates a BRC bank account. Do not call this tool with confirmCreate=true until the user has reviewed a plain-English summary and explicitly confirmed creation. Required fields: acCode, details, lastChq, and nominalAcCode. categoryId is optional; BRC may create the Bank Payments category automatically when categoryId is omitted. nominalAcCode must reference an existing balance-sheet bank nominal account created in BRC setup. Requires routeToken from brc_route_request for the matching action workflow. Call brc_route_request first with the user's complete original action request. Retain the returned routeToken through lookup, preview, and confirmation, and pass the same token on the final permitted transactional tool call. Never invent a placeholder token. A routeToken is not permission to post — preview-before-posting and confirmWrite/confirmDelete still apply.

Agent View of the PolicyLayer registry record for `brc_create_bank_account`. HTML page: https://policylayer.com/tools/io-github-bigredcloud-red-mcp-server/brc-create-bank-account

## Facts

- Tool: `brc_create_bank_account`
- Server: Red by Big Red Cloud (`https://red.bigredcloud.com/mcp`) — https://policylayer.com/tools/io-github-bigredcloud-red-mcp-server.md
- Homepage: https://github.com/BigRedCloud/red-mcp-server
- Risk category: Write (Medium risk)
- Registry record: grade F, identity unverified
- Server auth posture: open
- Server CORS policy: *
- Server rate-limited: no
- Parameters: 12 (2 required)
- Recommended policy verdict: Rate-limited

## Parameters

| Parameter | Type | Required | Description |
| --- | --- | --- | --- |
| `acCode` | string | no | Bank account code, for example 1603. |
| `address` | array | no |  |
| `balance` | number | no | Opening/current starting balance. |
| `details` | string | no | Bank account description/name. |
| `lastChq` | string | no | Last cheque number, for example 000001. |
| `payload` | object | no | Optional raw bank account payload. |
| `sortCode` | string | no |  |
| `categoryId` | integer | no | Bank Payments category type id from brc_list_category_types. |
| `routeToken` | string | yes | Opaque routeToken from brc_route_request for this action workflow. Required for transactional tools. Routing permission only — does not replace preview-before-p |
| `accountName` | string | no |  |
| `companyName` | string | yes | Company context name, for example YOUR-COMPANY-NAME. |
| `accountNumber` | string | no |  |

Parameters from the server's own tool schema.

## Example call (MCP tools/call, JSON-RPC 2.0)

```json
{
  "jsonrpc": "2.0",
  "id": 1,
  "method": "tools/call",
  "params": {
    "name": "brc_create_bank_account",
    "arguments": {
      "routeToken": "<routeToken>",
      "companyName": "<companyName>"
    }
  }
}
```

## Why brc_create_bank_account is rated Medium

An AI agent can call brc_create_bank_account faster than any human can review: one bad instruction and it creates or modifies resources in Red by Big Red Cloud by the hundred, each call as confident as the last.

Risk signals: Accepts raw HTML/template content (payload) · High parameter count (20 properties)

## Use case

AI agents use brc_create_bank_account to create or update resources in Red by Big Red Cloud, usually the action step of a workflow, after the agent has gathered context. Every call changes real data in your Red by Big Red Cloud environment.

## Recommended policy (PolicyLayer)

Verdict: **Rate-limited**. Enforced by the PolicyLayer MCP gateway (https://policylayer.com/mcp-gateway) before a call reaches Red by Big Red Cloud:

```json
{
  "version": "1",
  "default": "deny",
  "tools": {
    "brc_create_bank_account": {
      "limits": [
        {
          "counter": "brc_create_bank_account_rate",
          "window": "minute",
          "max": 30,
          "scope": "grant"
        }
      ]
    }
  }
}
```

## Other tools on Red by Big Red Cloud (158)

- `brc_clear_all_company_api_keys` — Destructive — https://policylayer.com/tools/io-github-bigredcloud-red-mcp-server/brc-clear-all-company-api-keys.md
- `brc_clear_audit_log` — Destructive — https://policylayer.com/tools/io-github-bigredcloud-red-mcp-server/brc-clear-audit-log.md
- `brc_clear_company_api_key` — Destructive — https://policylayer.com/tools/io-github-bigredcloud-red-mcp-server/brc-clear-company-api-key.md
- `brc_delete_accrual` — Destructive — https://policylayer.com/tools/io-github-bigredcloud-red-mcp-server/brc-delete-accrual.md
- `brc_delete_allocation_resolver` — Destructive — https://policylayer.com/tools/io-github-bigredcloud-red-mcp-server/brc-delete-allocation-resolver.md
- `brc_delete_bank_account` — Destructive — https://policylayer.com/tools/io-github-bigredcloud-red-mcp-server/brc-delete-bank-account.md
- `brc_delete_cash_payment` — Destructive — https://policylayer.com/tools/io-github-bigredcloud-red-mcp-server/brc-delete-cash-payment.md
- `brc_delete_cash_receipt` — Destructive — https://policylayer.com/tools/io-github-bigredcloud-red-mcp-server/brc-delete-cash-receipt.md
- `brc_delete_customer` — Destructive — https://policylayer.com/tools/io-github-bigredcloud-red-mcp-server/brc-delete-customer.md
- `brc_delete_nominal_journal_batch` — Destructive — https://policylayer.com/tools/io-github-bigredcloud-red-mcp-server/brc-delete-nominal-journal-batch.md
- `brc_delete_payment` — Destructive — https://policylayer.com/tools/io-github-bigredcloud-red-mcp-server/brc-delete-payment.md
- `brc_delete_prepayment` — Destructive — https://policylayer.com/tools/io-github-bigredcloud-red-mcp-server/brc-delete-prepayment.md
- `brc_delete_product` — Destructive — https://policylayer.com/tools/io-github-bigredcloud-red-mcp-server/brc-delete-product.md
- `brc_delete_purchase` — Destructive — https://policylayer.com/tools/io-github-bigredcloud-red-mcp-server/brc-delete-purchase.md
- `brc_delete_quote` — Destructive — https://policylayer.com/tools/io-github-bigredcloud-red-mcp-server/brc-delete-quote.md
- `brc_delete_sales_credit_note` — Destructive — https://policylayer.com/tools/io-github-bigredcloud-red-mcp-server/brc-delete-sales-credit-note.md
- `brc_delete_sales_entry` — Destructive — https://policylayer.com/tools/io-github-bigredcloud-red-mcp-server/brc-delete-sales-entry.md
- `brc_delete_sales_invoice` — Destructive — https://policylayer.com/tools/io-github-bigredcloud-red-mcp-server/brc-delete-sales-invoice.md
- `brc_delete_sales_rep` — Destructive — https://policylayer.com/tools/io-github-bigredcloud-red-mcp-server/brc-delete-sales-rep.md
- `brc_delete_supplier` — Destructive — https://policylayer.com/tools/io-github-bigredcloud-red-mcp-server/brc-delete-supplier.md
- `brc_red_help` — Destructive — https://policylayer.com/tools/io-github-bigredcloud-red-mcp-server/brc-red-help.md
- `brc_route_request` — Destructive — https://policylayer.com/tools/io-github-bigredcloud-red-mcp-server/brc-route-request.md
- `brc_getting_started` — Execute — https://policylayer.com/tools/io-github-bigredcloud-red-mcp-server/brc-getting-started.md
- `brc_start_company_connection` — Execute — https://policylayer.com/tools/io-github-bigredcloud-red-mcp-server/brc-start-company-connection.md
- `brc_create_payment` — Financial — https://policylayer.com/tools/io-github-bigredcloud-red-mcp-server/brc-create-payment.md
- `brc_batch_cash_payments` — Read — https://policylayer.com/tools/io-github-bigredcloud-red-mcp-server/brc-batch-cash-payments.md
- `brc_batch_cash_receipts` — Read — https://policylayer.com/tools/io-github-bigredcloud-red-mcp-server/brc-batch-cash-receipts.md
- `brc_batch_customers` — Read — https://policylayer.com/tools/io-github-bigredcloud-red-mcp-server/brc-batch-customers.md
- `brc_batch_payments` — Read — https://policylayer.com/tools/io-github-bigredcloud-red-mcp-server/brc-batch-payments.md
- `brc_batch_products` — Read — https://policylayer.com/tools/io-github-bigredcloud-red-mcp-server/brc-batch-products.md
- …and 128 more: https://policylayer.com/tools/io-github-bigredcloud-red-mcp-server.md

## For agents

This record is a snapshot. Live verdicts and the full registry:

- Check every server in your MCP config at once: `npx -y policylayer stack`
- Vet a server before you add it: install the mcp-precheck skill — `npx skills add https://policylayer.com` (skill text: https://policylayer.com/skill.md)
- Query the registry over MCP: endpoint `https://api.policylayer.com/mcp` — tools `check_mcp_server`, `check_mcp_stack`, `check_tool`, `search_registry`, `get_change_events`

---

Source: the PolicyLayer MCP registry — one continuously verified record per MCP server. Full record: https://policylayer.com/registry?q=io-github-bigredcloud-red-mcp-server · API: https://policylayer.com/registry/api · Policy library: https://policylayer.com/policies/io-github-bigredcloud-red-mcp-server