XooCode(){

FinancialService

FinancialService is a LocalBusiness subtype for banks, credit unions, insurance agencies, accounting firms, and ATM locations. Google uses it for local financial services search, the business knowledge panel, and Google Maps. Financial services queries ("bank near me", "credit union Dunmore") are high-intent local searches where structured markup helps your listing stand out.

FinancialService adds exactly one property to what LocalBusiness provides: feesAndCommissionsSpecification. Everything else comes from LocalBusiness, Organization, and Place. If you need a more specific type, schema.org offers four subtypes: BankOrCreditUnion, InsuranceAgency, AccountingService, and AutomatedTeller.

Full example of schema.org/FinancialService json-ld markup

The markup is verified as valid with Rich Results Test from Google.

Highlight legend:Required by GoogleRecommendedOptional
schema.org/FinancialService
<script type="application/ld+json">
{
  "@context": "https://schema.org",
  "@id": "https://dunmorecu.com#creditunion",
  "@type": "BankOrCreditUnion",
  "name": "Dunmore Community Credit Union",
  "description": "Member-owned credit union serving Lackawanna County since 1954. Personal checking, savings, auto loans, mortgages, and small business banking.",
  "url": "https://dunmorecu.com",
  "image": "https://dunmorecu.com/images/branch-exterior.jpg",
  "telephone": "+1-570-555-0100",
  "email": "info@dunmorecu.com",
  "address": {
    "@type": "PostalAddress",
    "streetAddress": "340 Main Street",
    "addressLocality": "Dunmore",
    "addressRegion": "PA",
    "postalCode": "18512",
    "addressCountry": "US"
  },
  "geo": {
    "@type": "GeoCoordinates",
    "latitude": 41.4200,
    "longitude": -75.6333
  },
  "feesAndCommissionsSpecification": "https://dunmorecu.com/fee-schedule",
  "foundingDate": "1954",
  "areaServed": {
    "@type": "AdministrativeArea",
    "name": "Lackawanna County, Pennsylvania"
  },
  "currenciesAccepted": "USD",
  "paymentAccepted": "Cash, Check, Debit Card, ACH Transfer",
  "numberOfEmployees": {
    "@type": "QuantitativeValue",
    "value": 24
  },
  "openingHoursSpecification": [
    {
      "@type": "OpeningHoursSpecification",
      "dayOfWeek": ["Monday", "Tuesday", "Wednesday", "Thursday"],
      "opens": "09:00",
      "closes": "17:00"
    },
    {
      "@type": "OpeningHoursSpecification",
      "dayOfWeek": "Friday",
      "opens": "09:00",
      "closes": "18:00"
    },
    {
      "@type": "OpeningHoursSpecification",
      "dayOfWeek": "Saturday",
      "opens": "09:00",
      "closes": "12:00"
    }
  ],
  "aggregateRating": {
    "@type": "AggregateRating",
    "ratingValue": "4.6",
    "reviewCount": "73",
    "bestRating": "5"
  }
}
</script>

feesAndCommissionsSpecification

feesAndCommissionsSpecification is the only property defined directly on FinancialService. It takes a text description or a URL pointing to a fee schedule. For a credit union, this might link to the fee disclosure page. For an insurance agency, it might describe commission structures. Google does not currently display this in a rich result, but AI systems and financial comparison tools read it to answer "what are the fees at [bank]" queries.

Choosing the right subtype

Use BankOrCreditUnion for banks and credit unions. Use InsuranceAgency for insurance brokers and agencies. Use AccountingService for CPA firms, bookkeepers, and tax preparers. Use AutomatedTeller for standalone ATM locations. If none of these fit (for example, a financial advisory firm or a currency exchange), use the parent type FinancialService. Using the most specific applicable type improves local search categorization.

areaServed

areaServed (inherited from Organization) is particularly useful for financial services that operate across a region. A credit union that serves all of Lackawanna County should declare that in areaServed with a Place object. Google reads this for geographic relevance: searchers outside the service area may see the listing deprioritized in local results.

currenciesAccepted and paymentAccepted

Both are inherited from LocalBusiness. currenciesAccepted lists the currencies the business deals in (important for currency exchanges and international banking). paymentAccepted lists payment methods for fees and services (not the financial products themselves). For most domestic banks and credit unions, these are straightforward.

Minimal valid version

The smallest markup that still produces a valid FinancialService entity. Use it as the floor. Reach for the advanced example above when you want search engines and AI agents to understand more about your content.

schema.org/FinancialService (minimal)
<script type="application/ld+json">
{
  "@context": "https://schema.org",
  "@type": "BankOrCreditUnion",
  "name": "Dunmore Community Credit Union",
  "address": {
    "@type": "PostalAddress",
    "streetAddress": "340 Main Street",
    "addressLocality": "Dunmore",
    "addressRegion": "PA"
  },
  "telephone": "+1-570-555-0100"
}
</script>

Google rich results this unlocks

Markup matching this example makes your page eligible for the following Google Search rich results. The primary target drives the required / recommended property classification in the advanced code block above.

Common FinancialService mistakes

Mistakes that pass validation but silently fail to earn rich results or mislead consumers walking the graph. Avoid these and your markup will be ahead of most sites in the wild.

  1. 01

    Using FinancialService when a subtype fits

    Wrong
    "@type": "FinancialService" for a bank or credit union
    Right
    "@type": "BankOrCreditUnion" for banks and credit unions

    Schema.org provides four specific subtypes: BankOrCreditUnion, InsuranceAgency, AccountingService, and AutomatedTeller. Using the most specific applicable type improves local search categorization. Use the parent FinancialService only when none of the four subtypes fit.

  2. 02

    Missing feesAndCommissionsSpecification

    Wrong
    FinancialService with no fee information
    Right
    "feesAndCommissionsSpecification": "https://example.com/fee-schedule"

    feesAndCommissionsSpecification is the one property unique to FinancialService. It links to a fee schedule or describes fees in text. Omitting it means you get no benefit from using FinancialService over generic LocalBusiness. Financial comparison tools and AI assistants use this to answer fee-related queries.

  3. 03

    Missing areaServed for regional institutions

    Wrong
    Credit union that serves a county but only declares a street address
    Right
    "areaServed": { "@type": "AdministrativeArea", "name": "Lackawanna County, Pennsylvania" }

    Financial institutions often serve an area larger than their physical location. A credit union with one branch may serve an entire county. areaServed tells Google the geographic scope, which affects whether the listing appears for searchers across the service area.

  4. 04

    feesAndCommissionsSpecification as a full fee table in JSON-LD

    Wrong
    "feesAndCommissionsSpecification": "Checking: $5/month, Savings: free, Wire: $25..."
    Right
    "feesAndCommissionsSpecification": "https://example.com/fee-schedule" (link to the fee page)

    This property works best as a URL pointing to the full fee schedule page. Embedding a lengthy fee table as text in the JSON-LD clutters the markup and becomes stale quickly. The URL approach lets you update fees in one place.

Schema properties in this example

FinancialServiceBankOrCreditUnionnamedescriptionurlimagetelephoneemailaddressPostalAddressgeoGeoCoordinatesfeesAndCommissionsSpecificationfoundingDateareaServedAdministrativeAreacurrenciesAcceptedpaymentAcceptednumberOfEmployeesQuantitativeValueopeningHoursSpecificationOpeningHoursSpecificationdayOfWeekopensclosesaggregateRatingAggregateRatingratingValuereviewCountbestRating

About the example data

Dunmore Community Credit Union is a fictional credit union on Main Street in Dunmore, part of the same downtown cluster as Xoo Code Shop and The Dunmore Grill. The credit union handles business banking for several Xoo universe entities, including Xoo Code Inc.

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