# Valley National Bank

**Canonical:** https://apis.io/providers/valley-national/  
**Website:** https://valley.com  
**APIs profiled:** 0

Valley National Bank is a nationally chartered commercial bank (OCC-regulated) and the principal banking subsidiary of Valley National Bancorp (NASDAQ: VLY), a regional financial holding company founded in 1927 with roughly $64 billion in assets and more than 200 offices serving consumers, families, and businesses across New Jersey, New York, Florida, Alabama, California, and Illinois. Its business spans consumer banking, commercial banking, and treasury services. As of this profile Valley National Bank operates no first-party public developer portal and publishes no downloadable API specifications; consumer-permissioned account and transaction data is reached only through third-party open-finance aggregators (Finicity by Mastercard is documented, alongside general Plaid/Tink connectivity) rather than a directly exposed FDX-conformant or first-party API.

## Kin Score — 9.0 / 100 (minimal)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 9.0).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 2.6 |
| Developer Ergonomics | 7.1 |
| Commercial Clarity | 21.1 |
| Access Clarity | 21.1 |

Regulatory layer — **Banking & Open Finance**: 17.7 (matched via tags).

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Security (1)

- **Valley National Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC

## Tags

Financial-Services, Banking, United States, Regional Bank, Commercial Banking, Open Finance, Data Aggregation

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/valley-national/). Scores are computed from the provider's own public artifacts under a published rubric.