Business banking
Asked as “business bank account for a company”, and as “banking platform for a startup”, on behalf of a mid-market B2B company. 53 first choices recorded across the direct, paraphrase, budget and scale prompts, fourteen models each.
Standing · first-choice share
17%
Contested · Bluevine 13%
17Mercury13Bluevine08Brex62others
17% of first choices, contested.
Since October 2026▼−6Since October 2026: 23% → 17%, −6 points. Inside the 10-point floor: within noise.Mercury held the lead, −6 points on 23%, inside the 10-point floor.
By buyer segment
The same question asked on behalf of a different buyer. Each standing is computed within its segment; they sit side by side and are never added together.
Small business
Mercury41%Clear leader▲+6Since October 2026: 35% → 41%, +6 points. Inside the 10-point floor: within noise.Standing →Mid-marketMercury17%Contested▼−6Since October 2026: 23% → 17%, −6 points. Inside the 10-point floor: within noise.This pageEnterprise
Brex27%Contested↗new leaderNew leader since October 2026: Brex (27%) replaces Rho (19% then, 14% now), 13 points clear, past the 10-point floor.Standing →
Mercury41%Clear leader▲+6Since October 2026: 35% → 41%, +6 points. Inside the 10-point floor: within noise.Standing →Mid-marketMercury17%Contested▼−6Since October 2026: 23% → 17%, −6 points. Inside the 10-point floor: within noise.This pageEnterpriseBrex27%Contested↗new leaderNew leader since October 2026: Brex (27%) replaces Rho (19% then, 14% now), 13 points clear, past the 10-point floor.Standing →The standing
Share is the count of first choices across the direct, paraphrase, budget and scale prompts, over all fourteen models, for a mid-market B2B company. Ordered by share.
ProductFirst-choice shareNegative rateLabelsQuadrantSince October 2026
01Mercury17%16%45accepted challenger▼−6Since October 2026: 23% → 17%, −6 points. Inside the 10-point floor: within noise.23% → 17%
Mercury17%16%45accepted challenger▼−6Since October 2026: 23% → 17%, −6 points. Inside the 10-point floor: within noise.23% → 17%02
Bluevine13%11%35accepted challenger▲+3Since October 2026: 10% → 13%, +3 points. Inside the 10-point floor: within noise.10% → 13%
Bluevine13%11%35accepted challenger▲+3Since October 2026: 10% → 13%, +3 points. Inside the 10-point floor: within noise.10% → 13%03Brex8%17%24accepted challenger▲+4Since October 2026: 4% → 8%, +4 points. Inside the 10-point floor: within noise.4% → 8%
Brex8%17%24accepted challenger▲+4Since October 2026: 4% → 8%, +4 points. Inside the 10-point floor: within noise.4% → 8%04
Rho8%11%18accepted challenger▼−4Since October 2026: 12% → 8%, −4 points. Inside the 10-point floor: within noise.12% → 8%
Rho8%11%18accepted challenger▼−4Since October 2026: 12% → 8%, −4 points. Inside the 10-point floor: within noise.12% → 8%05PNC Bank4%25%12criticized challenger▲+2Since October 2026: 2% → 4%, +2 points. Inside the 10-point floor: within noise.2% → 4%
06
American Express Business Checking2%6%16accepted challenger=heldSince October 2026: 2% → 2%, ±0 points. Inside the 10-point floor: within noise.2% → 2%
American Express Business Checking2%6%16accepted challenger=heldSince October 2026: 2% → 2%, ±0 points. Inside the 10-point floor: within noise.2% → 2%07Axos Bank Basic Business Checking2%0%13accepted challenger▲+2Since October 2026: 0% → 2%, +2 points. Inside the 10-point floor: within noise.0% → 2%
08
Bank of America2%26%31criticized challenger▼−2Since October 2026: 4% → 2%, −2 points. Inside the 10-point floor: within noise.4% → 2%
Bank of America2%26%31criticized challenger▼−2Since October 2026: 4% → 2%, −2 points. Inside the 10-point floor: within noise.4% → 2%09
Novo2%26%19criticized challenger▼−8Since October 2026: 10% → 2%, −8 points. Inside the 10-point floor: within noise.10% → 2%
Novo2%26%19criticized challenger▼−8Since October 2026: 10% → 2%, −8 points. Inside the 10-point floor: within noise.10% → 2%10
Relay2%32%25criticized challenger▼−2Since October 2026: 4% → 2%, −2 points. Inside the 10-point floor: within noise.4% → 2%
Relay2%32%25criticized challenger▼−2Since October 2026: 4% → 2%, −2 points. Inside the 10-point floor: within noise.4% → 2%Show the six products at 0%, ordered by negative rate
16
Wells Fargo0%43%21criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
Wells Fargo0%43%21criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%15
Tide0%40%10criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
Tide0%40%10criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%11
Chase Business Banking0%26%34criticized challenger▼−8Since October 2026: 8% → 0%, −8 points. Inside the 10-point floor: within noise.8% → 0%
Chase Business Banking0%26%34criticized challenger▼−8Since October 2026: 8% → 0%, −8 points. Inside the 10-point floor: within noise.8% → 0%13
U.S. Bank0%19%16accepted challenger▼−2Since October 2026: 2% → 0%, −2 points. Inside the 10-point floor: within noise.2% → 0%
U.S. Bank0%19%16accepted challenger▼−2Since October 2026: 2% → 0%, −2 points. Inside the 10-point floor: within noise.2% → 0%14
Capital One0%18%11accepted challenger▼−2Since October 2026: 2% → 0%, −2 points. Inside the 10-point floor: within noise.2% → 0%
Capital One0%18%11accepted challenger▼−2Since October 2026: 2% → 0%, −2 points. Inside the 10-point floor: within noise.2% → 0%12
Ramp0%0%13accepted challenger▼−2Since October 2026: 2% → 0%, −2 points. Inside the 10-point floor: within noise.2% → 0%
Ramp0%0%13accepted challenger▼−2Since October 2026: 2% → 0%, −2 points. Inside the 10-point floor: within noise.2% → 0%The floor is 10 points of share, measured: how far the models move a leader on their own when the same questions are asked twice with nothing changed. A larger change is movement; a smaller one can't be told apart from repeat variation, and both are shown. Each index measures its own floor from its own repeat, over its own categories, so the floor differs from one index to the next. Both editions asked the same fourteen models. How the floor is measured
Bars are the share of first choices, 0 to 100Every product with at least 10 labels here. Every product name links to its product page.
Head to head
All twenty-eight head-to-head pages: the top eight products, each against each
Mercury vs PNC BankMercury vs American Express Business CheckingMercury vs Axos Bank Basic Business CheckingMercury vs Bank of AmericaBluevine vs BrexBluevine vs RhoBluevine vs PNC BankBluevine vs American Express Business CheckingBluevine vs Axos Bank Basic Business CheckingBluevine vs Bank of AmericaBrex vs RhoBrex vs PNC BankBrex vs American Express Business CheckingBrex vs Axos Bank Basic Business CheckingBrex vs Bank of AmericaRho vs PNC BankRho vs American Express Business CheckingRho vs Axos Bank Basic Business CheckingRho vs Bank of AmericaPNC Bank vs American Express Business CheckingPNC Bank vs Axos Bank Basic Business CheckingPNC Bank vs Bank of AmericaAmerican Express Business Checking vs Axos Bank Basic Business CheckingAmerican Express Business Checking vs Bank of AmericaAxos Bank Basic Business Checking vs Bank of America
Recommended versus criticized
Every product with at least 10 labels here, on both axes. The 30% line names a quadrant, not the verdict above: that one needs more than 40%.
Criticized challengerCriticized default
Negative label rate →
01020304P05
06A07
080910111213141516Accepted challengerEndorsed leader
0%First-choice share → · lines at 30% share and 25% negative30%
Key
01Mercury17%
Mercury17%02Bluevine13%
Bluevine13%03Brex8%
Brex8%04Rho8%
Rho8%05PNC Bank4%
06American Express Business Checking2%
American Express Business Checking2%07Axos Bank Basic Business Checking2%
08Bank of America2%
Bank of America2%09Novo2%
Novo2%10Relay2%
Relay2%11Chase Business Banking0%
Chase Business Banking0%12Ramp0%
Ramp0%13U.S. Bank0%
U.S. Bank0%14Capital One0%
Capital One0%15Tide0%
Tide0%16Wells Fargo0%
Wells Fargo0%What they warned about
One of fourteen models held their first choice under the paraphrase. Claude Haiku 4.5, GPT-5.4 mini, Gemini 3.5 Flash, Perplexity Sonar, Grok 4.20, Mistral Small, DeepSeek V4 Flash, Qwen 3.7 Flash, Kimi K2, GLM 4.7 FlashX, MiniMax M2.5, GPT-6 Luna and Muse Glimmer 30B changed. A high negative share on a product with few labels is a warning. A low share on a product with many labels is salience, not sentiment.
Wells Fargo43%
9 of 21 labels negative · 8 of 14 models · 4 hard negative
“Consider avoiding it if reliable small-business support and reputation are priorities; one current comparison gives it an "F" BBB rating” Perplexity Sonar, negative prompt
Chase Business Banking26%
9 of 34 labels negative · 8 of 14 models · 1 hard negative
“Chase Business Banking: It has been criticized for its practices and has a high negative share.” Llama 4 Maverick, negative prompt
Relay32%
8 of 25 labels negative · 7 of 14 models · 2 hard negative
“"Not Rated" status with Better Business Bureau while investigating previously-closed complaints” GLM 4.7 FlashX, negative prompt
Mercury16%
7 of 45 labels negative · 7 of 14 models · 1 hard negative
“Be cautious with online-focused or fintech business banking providers like Mercury, Bluevine, and Relay.” Grok 4.20, negative prompt
What they cite
Fourteen of the fourteen models returned a source list in this edition: five return the pages they cited and nine the search results they consulted.
Sites the answers cite
70 of 84 answers in this category came back with a source list, from 14 of 14 models: citations where the model returns them, or the search results it consulted. 779 links across 234 sites, every framing counted. Ranked by the number of answers carrying the site or page. 21 of the 252 answers across every segment cited this index's own page for the category; the method page measures whether that reading tilts an answer.
38 answers · 56 citations · 13 models
31 answers · 58 citations · 9 models
vendor site · Rho22 answers · 33 citations · 10 models
vendor site · Brex16 answers · 31 citations · 8 models
16 answers · 18 citations · 7 models
14 answers · 14 citations · 7 models
vendor site · Airwallex13 answers · 17 citations · 7 models
vendor site · Bank of America13 answers · 14 citations · 10 models
vendor site · Chase12 answers · 21 citations · 6 models
vendor site · Found9 answers · 11 citations · 6 models
vendor site · Xero9 answers · 9 citations · 5 models
vendor site · Mercury8 answers · 11 citations · 7 models
Pages the answers cite
The ten pages named in the most answers, by full address. A page here is one the models returned with a recommendation, not one the index endorses.
24 answers · 9 models
16 answers · 8 models
13 answers · 10 models
12 answers · 9 models
12 answers · 6 models
10 answers · 6 models
9 answers · 5 models
9 answers · 4 models
9 answers · 5 models
8 answers · 6 models
Search against answers
Each company's standing in the answers beside its site's footprint in Google search, one row a site: the products the models named on it with their shares, and the share they add up to; monthly searches on Google, and DataForSEO's estimate of AI search demand (modeled from search signals, directional, not a count of queries to any assistant), for the most-searched of the company's and its products' names (the name is in each row's hover text); estimated monthly organic visits to the site; and its best position in Google's top ten for “best business bank account for a company”, “business bank account for a company”, “business banking providers”. US estimates from DataForSEO and Google's Ads Transparency Center. A small company's site, or a mid-sized company's site for its flagship, is marked company; a product on a large parent's site (Google, Microsoft) has no site figures. A column with no figures for this category is left out, and an empty cell means none were seen, not none exist. Two measurements side by side: neither is read as the cause of the other.
| Company and products | Share | Own site cited | Name searches, Google | AI search demand, est. | Organic visits | Paid search a month, est. | Google ads, last 30 days | Best Google position |
|---|---|---|---|---|---|---|---|---|
| Mercury mercury.com | 17% | 182 | 368,000 | 130,988 | 301,244 | $284,811 | 25 | 5 |
| Bluevine bluevine.com | 13% | 101 | 74,000 | 990 | 79,464 | $113 | 120 | 3 |
| Brex brex.com Brex 8%, Brex Cash 2% | 9% | 524 | 60,500 | 1,190 | 328,914 | $12,238 | 81 | 7 |
| Rho rho.co | 8% | 152 | 74,000 | 7,366 | 182,562 | $416 | 2 | |
| Starling starlingbank.com Starling Bank 6% | 6% | 10 | ||||||
| Chase chase.com Chase Performance Business Checking 6% | 6% | 5 | 6,120,000 | 327,918 | 52,427,131 company | $69,752 | 119 | |
| NBKC nbkc.com | 4% | 20 | 8,100 | 339 | 19,954 | 31 | ||
| PNC Bank | 4% | 2,740,000 | 20,975 | |||||
| J.P. Morgan jpmorgan.com J.P. Morgan Commercial Banking 4% | 4% | 3 | 301,000 | 12,219 | 5,773,129 company | $27,414 | 120 | |
| American Express americanexpress.com American Express Business Checking 2% | 2% | 31 | 3,350,000 | 23,185 | 22,105,127 company | $20,307 | 119 |
Google's top ten for the three searches hold 24 sites; 6 of them are among the sites the models cited here (airwallex.com, brex.com, business.bankofamerica.com, forbes.com, mercury.com, nerdwallet.com). The first result for “best business bank account for a company” is business.bankofamerica.com.
How they answered
Six framings of the same buying question, each sent to every model in a fresh session with search on. One row per model, so a row shows whether it held its answer under rewording, what it named when cost was the constraint, and what it argued against. Computed from the raw judge labels.ShowHide
How they answered
Six framings of the same buying question, each sent to every model in a fresh session with search on. One row per model, so a row shows whether it held its answer under rewording, what it named when cost was the constraint, and what it argued against. Computed from the raw judge labels.
ShowHideModelDirect“What is the best business bank account for a company for a mid-market B2B company?”Paraphrase“Which banking platform for a startup would you recommend to a mid-sized B2B company?”Comparative“What are the top business banking providers and how do they differ?”Budget-constrained“What is the best business bank account for a company for a company with a limited budget?”Scale-constrained“We are a 500 person company evaluating a business bank account for a company. What should we look at?”Negative“Which business banking providers should I avoid or be cautious about?”
Claude Haiku 4.5BrexRhoChangedAirwallexAxos Bank Basic Business Checkingagainst: Truist Bank's Simple Business Checkingno first choiceagainst: Bank of America, Capital One, Citibank, U.S. Bank, Wells Fargo
Three alternatives
Chase Business Banking, Mercury, RelayThree alternatives
Brex, HighRadius, NovoFive alternatives
Bluevine, Chase Business Banking, Mercury, Novo, RelaySix alternatives
American Express Business Checking, Bluevine, Capital One, Grasshopper Bank's Innovator Business Checking, Live Oak Bank's Small Business Checking Account, MercuryGPT-5.4 miniJ.P. Morgan Commercial Bankingagainst: Relay, RhoBrex, MercuryChangedno first choiceNBKCno first choicenothing named
One alternative
Bank of AmericaThree alternatives
Airwallex, Ramp, RhoThree alternatives
American Express Business Checking, Bluevine, U.S. BankGemini 3.5 FlashJPMorgan Chase – Middle Market Banking & Specialized IndustriesBrexChangedagainst: Bluevine, RelayChase Business Banking, MercuryNovoagainst: Bank of America, Chase Business Bankingno first choiceagainst: Bank of America, Brex, Lili, Mercury, Novo, Relay, Synapse Financial Technologies, Wells Fargo
Six alternatives
Bank of America Global Commercial Banking, Brex, PNC Bank – Treasury Management, Ramp, Silicon Valley Bank, Wells Fargo – Commercial BankingTwo alternatives
Mercury, RhoFive alternatives
Bank of America, Bluevine, Novo, Relay, U.S. BankFour alternatives
Bluevine, Mercury, Relay, U.S. Bank Silver Business CheckingPerplexity SonarChase Commercial BankingRhoChangedChase Business BankingAmerican Express® Business Checkingno first choiceagainst: Brex, Found, Lili, Mercury, Novo, Relay, Rho, Wells Fargo
Seven alternatives
Airwallex, Bank of America, Brex, Mercury, Ramp, Rho, U.S. BankFour alternatives
Brex, Chase Business Banking, Mercury, RelayNine alternatives
Airwallex, American Express Business Checking, Bank of America, Bluevine, Capital One, Found, Mercury, Relay, Wise BusinessFour alternatives
Bank of America Business Advantage Fundamentals, Bluevine, Novo, RelayGrok 4.20Bank of AmericaMercuryChangedagainst: Bank of America, Chase Business BankingChase Business BankingBluevine, Mercuryno first choiceagainst: Bank of America, Bluevine, Chase Business Banking, Mercury, Monzo, Novo, Relay, Starling Bank, Tide
Seven alternatives
Bluevine, Brex, Chase Business Banking, Citibank, Mercury, PNC Bank, Texas Capital BankThree alternatives
Brex, Ramp, RhoSix alternatives
American Express Business Checking, Axos Bank Basic Business Checking, Bluevine, Capital One, U.S. Bank, Wells FargoThree alternatives
NBKC, Novo, RelayMistral SmallPNC Bank, TD Business Premier CheckingBrex CashChangedMonzoBluevine, Monzo, Starling Bankno first choiceagainst: American Express Business Banking, Capital One, Chase Business Banking, Wise Business
Three alternatives
Axos Bank Basic Business Checking, Capital One Business Savings & Checking, Chase Business BankingTwo alternatives
Mercury, North OneSeven alternatives
Bluevine, Capital One, Chase Business Banking, Handelsbanken, Starling Bank, Tide, Wells FargoThree alternatives
American Express Business Checking, Axos Bank Basic Business Checking, TideDeepSeek V4 FlashChase Performance Business CheckingMercuryChangedno first choiceBluevineagainst: Chase Business Banking, Wells FargoChase Performance Business Checkingagainst: Ampere, Barclays, Bluevine, Cashplus, HSBC, Lloyds, Mercury, Relay, Royal Bank of Scotland (RBS) Business, Santander, TSB, Tide
Five alternatives
Capital One Enhanced Checking, KeyBank Business Reward Checking, Mercury, PNC Bank, RhoThree alternatives
Brex, Chase Business Banking, RampNine alternatives
American Express Business Checking, Axos Bank Basic Business Checking, Bank of America, Bluevine, Capital One, Chase Business Banking, Mercury, Novo, Wells FargoFour alternatives
Axos Bank Basic Business Checking, Found, NBKC, NovoSix alternatives
Bank of America, Bluevine, Brex, Mercury, Rho, Wells FargoLlama 4 Maverickno first choiceno first choiceHeldno first choiceAmerican Express Business Checkingno first choiceagainst: American Express Business Checking, Bank of America, Chase Business Banking, Found, Wise Business
Three alternatives
Axos Bank Basic Business Checking, Grasshopper Innovator Checking, NovoQwen 3.7 FlashCamber, MercuryMercuryChangedChase Business BankingBluevine, Relayagainst: Citibank, Wells Fargono first choiceagainst: Brex, Cashplus, Citibank, Mercury, Santander, Tide, Wells Fargo
Four alternatives
Bank of America Business Advantage Fundamentals, Signature Bank, TD Bank Business Checking, Umpqua BankFour alternatives
Aspire, Bluevine, Greenbacker, RampFive alternatives
American Express Business Checking, Axos Bank Basic Business Checking, Bluevine, NBKC, Navy Federal Credit UnionThree alternatives
Chase Business Banking, Credit Unions, NovoKimi K2BrexMercuryChangedStarling BankStarling Bankno first choiceagainst: Barclays, HSBC, Lloyds, NatWest, PNC Bank, Revolut Business, Tide, U.S. Bank, Wells Fargo
Three alternatives
Bank of America, First Internet Bank, MercuryThree alternatives
Brex, Ramp, Wise BusinessFive alternatives
Chase Business Banking, Monzo, Revolut Business, Tide, Wells FargoThree alternatives
HSBC Small Business Account, Monzo, TideGLM 4.7 FlashXBank of America - Business Advantage 360, PNC Bank - Treasury Enterprise PlanBluevine, MercuryChangedno first choiceBluevine, Mercury, nbkc Bank Business Checking Accountno first choiceagainst: Axis, Bank of America, Bank of Baroda, Bank of Maharashtra, Chase Business Banking, HSBC, ICICI, IDBI, Oxygen, PNC Bank, Parker, Relay, TD Bank, U.S. Bank, Wells Fargo
Three alternatives
Chase - Performance Business Checking, First Internet Bank - Commercial Analyzed Checking, Frost Business Checking PlusFive alternatives
Chase Business Banking, Decentro, North One, Open Payments, RhoFour alternatives
Found, Lili, Relay, U.S. BankMiniMax M2.5Chase Performance Business Checkingno first choiceChangedCapital OneHSBC Small Business Banking Account, NBKC Bank – Business Checking, Starling Bankno first choicenothing named
Four alternatives
American Express Business Checking, Mercury, PNC Bank, TD Business Premier CheckingEight alternatives
American Express Business Checking, Axos Bank Basic Business Checking, Bluevine, Chase Business Banking, Grasshopper, Live Oak Bank, Navy Federal Credit Union, Regions BankEight alternatives
Axos Bank – Basic Business Checking, Bank of America – Business Advantage Fundamentals, BlueVine – Business Checking, Found – Business Banking, Metro Bank – Business Current Account, Monzo, U.S. Bank – Business Advantage Fundamentals, Virgin Money – Business Current AccountGPT-6 LunaJ.P. Morgan Commercial BankingRhoChangedno first choiceBluevineagainst: Chase Business Bankingno first choiceagainst: Bluevine, Evolve Bank & Trust, Mercury, Novo, Relay, Synapse Financial Technologies
Two alternatives
Bank of America, CitibankOne alternative
RampSeven alternatives
American Express Business Checking, Bank of America, Bluevine, Chase Business Banking, Mercury, Relay, U.S. BankOne alternative
RelayMuse Glimmer 30BPNC BankRhoChangedno first choiceNBKCno first choiceagainst: Bank of America, Brex, Chase Business Banking, City National Bank, Mercury, Novo, PNC Bank, SBank Business Online Banking / s-bank.online, Santander, Simmons Bank, TD Bank, Tide, UK, Wells Fargo
Three alternatives
Bank of America, Brex, First Internet BankOne alternative
BrexThirteen alternatives
American Express Business Checking, Axos Bank Basic Business Checking, Bank of America, Bluevine, Capital One, Chase Business Banking, HSBC, Mercury, NBKC, Novo, U.S. Bank, Wells Fargo, Wise BusinessThree alternatives
Bluevine, Mercury, NovoBold is the first choiceAlternatives are counted; the count opens them.What the answer argued against
The record
One row per call: the version string exactly as returned, whether the model searched, sources cited, and latency.
Eighty-four rows: every prompt, every model, every answer.
| Prompt | Model | Version string | Time (UTC) | Searched | Sources | Latency |
|---|---|---|---|---|---|---|
| Direct recommendation | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 10:27 | yes | 9 | 7 s |
| Direct recommendation | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 09:17 | yes | 4 | 5 s |
| Direct recommendation | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 11:20 | no | 0 | 16 s |
| Direct recommendation | Perplexity Sonar | sonar | 2026-11-01 12:00 | yes | 10 | 6 s |
| Direct recommendation | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:29 | yes | 12 | 32 s |
| Direct recommendation | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 10:16 | yes | 5 | 7 s |
| Direct recommendation | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 12:18 | yes | 22 | 29 s |
| Direct recommendation | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 12:21 | yes | 5 | 3 s |
| Direct recommendation | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 12:55 | yes | 23 | 92 s |
| Direct recommendation | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 09:46 | yes | 19 | 28 s |
| Direct recommendation | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 10:07 | yes | 19 | 103 s |
| Direct recommendation | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 12:19 | yes | 9 | 36 s |
| Direct recommendation | GPT-6 Luna | gpt-6-luna | 2026-11-01 10:43 | yes | 4 | 14 s |
| Direct recommendation | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 12:11 | yes | 18 | 25 s |
| Paraphrase | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 11:15 | yes | 18 | 8 s |
| Paraphrase | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 09:16 | yes | 5 | 5 s |
| Paraphrase | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 09:45 | no | 0 | 15 s |
| Paraphrase | Perplexity Sonar | sonar | 2026-11-01 12:20 | yes | 10 | 3 s |
| Paraphrase | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:04 | yes | 5 | 36 s |
| Paraphrase | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 11:55 | yes | 5 | 8 s |
| Paraphrase | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 11:39 | yes | 25 | 23 s |
| Paraphrase | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 13:00 | yes | 5 | 2 s |
| Paraphrase | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 09:04 | no | 0 | 28 s |
| Paraphrase | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 11:34 | yes | 15 | 25 s |
| Paraphrase | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 10:54 | yes | 14 | 33 s |
| Paraphrase | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 09:30 | no | 0 | 93 s |
| Paraphrase | GPT-6 Luna | gpt-6-luna | 2026-11-01 10:05 | yes | 3 | 15 s |
| Paraphrase | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 08:52 | yes | 14 | 17 s |
| Comparative | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 10:20 | yes | 17 | 10 s |
| Comparative | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 10:09 | yes | 3 | 7 s |
| Comparative | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 12:56 | no | 0 | 16 s |
| Comparative | Perplexity Sonar | sonar | 2026-11-01 10:17 | yes | 10 | 6 s |
| Comparative | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:10 | yes | 9 | 39 s |
| Comparative | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 11:07 | yes | 5 | 6 s |
| Comparative | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 10:30 | yes | 23 | 22 s |
| Comparative | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 09:17 | yes | 5 | 3 s |
| Comparative | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 12:59 | yes | 5 | 33 s |
| Comparative | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 11:35 | yes | 15 | 25 s |
| Comparative | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 09:09 | yes | 18 | 41 s |
| Comparative | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 09:23 | yes | 5 | 24 s |
| Comparative | GPT-6 Luna | gpt-6-luna | 2026-11-01 10:10 | yes | 8 | 23 s |
| Comparative | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 10:54 | yes | 14 | 32 s |
| Budget constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 10:34 | yes | 10 | 8 s |
| Budget constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 10:15 | yes | 2 | 5 s |
| Budget constrained | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 10:19 | yes | 11 | 17 s |
| Budget constrained | Perplexity Sonar | sonar | 2026-11-01 12:48 | yes | 10 | 3 s |
| Budget constrained | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:15 | yes | 13 | 28 s |
| Budget constrained | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 11:44 | yes | 5 | 6 s |
| Budget constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 08:58 | yes | 22 | 22 s |
| Budget constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 12:52 | yes | 7 | 4 s |
| Budget constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 09:17 | no | 0 | 28 s |
| Budget constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 12:17 | yes | 10 | 22 s |
| Budget constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 10:04 | yes | 14 | 29 s |
| Budget constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 09:30 | yes | 5 | 77 s |
| Budget constrained | GPT-6 Luna | gpt-6-luna | 2026-11-01 10:05 | yes | 5 | 11 s |
| Budget constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 12:02 | yes | 12 | 18 s |
| Scale constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 08:43 | no | 0 | 6 s |
| Scale constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 09:35 | no | 0 | 6 s |
| Scale constrained | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 10:34 | no | 0 | 16 s |
| Scale constrained | Perplexity Sonar | sonar | 2026-11-01 12:55 | yes | 10 | 9 s |
| Scale constrained | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:28 | yes | 5 | 29 s |
| Scale constrained | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 09:13 | no | 0 | 6 s |
| Scale constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 12:29 | yes | 22 | 26 s |
| Scale constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 11:03 | yes | 5 | 3 s |
| Scale constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 11:16 | yes | 10 | 33 s |
| Scale constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 11:53 | yes | 10 | 56 s |
| Scale constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 09:31 | no | 0 | 14 s |
| Scale constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 11:12 | no | 0 | 14 s |
| Scale constrained | GPT-6 Luna | gpt-6-luna | 2026-11-01 08:59 | yes | 4 | 15 s |
| Scale constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 09:56 | yes | 15 | 24 s |
| Negative framing | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 10:08 | yes | 18 | 9 s |
| Negative framing | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 11:34 | no | 0 | 4 s |
| Negative framing | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 12:32 | yes | 6 | 23 s |
| Negative framing | Perplexity Sonar | sonar | 2026-11-01 10:17 | yes | 10 | 4 s |
| Negative framing | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:12 | yes | 9 | 23 s |
| Negative framing | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 12:05 | yes | 5 | 6 s |
| Negative framing | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 11:27 | yes | 22 | 25 s |
| Negative framing | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 11:09 | yes | 9 | 4 s |
| Negative framing | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 10:05 | yes | 10 | 50 s |
| Negative framing | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 12:03 | yes | 25 | 67 s |
| Negative framing | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 12:00 | yes | 25 | 26 s |
| Negative framing | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 12:52 | no | 0 | 15 s |
| Negative framing | GPT-6 Luna | gpt-6-luna | 2026-11-01 09:37 | yes | 3 | 24 s |
| Negative framing | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 08:46 | yes | 15 | 19 s |
Normalization in this category
Every judgment call made between the raw labels and the numbers above, listed so it is visible and reversible.
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Category-scoped readings
American Express read as American Express Business Checking
American Express (Green Business Checking) read as American Express Business Checking
Amex read as American Express Business Checking
Axos read as Axos Bank Basic Business Checking
Axos Bank read as Axos Bank Basic Business Checking
Axos Basic Business Checking read as Axos Bank Basic Business Checking
Bank of America Business Advantage read as Bank of America
Bank of America Business Advantage Fundamentals® Banking read as Bank of America Business Advantage Fundamentals
Chase read as Chase Business Banking
Chase (Chase Business Complete Banking) read as Chase Business Banking
Chase (US) read as Chase Business Banking
Chase Business read as Chase Business Banking
Chase Performance read as Chase Performance Business Checking
Citi read as Citibank
Grasshopper Bank read as Grasshopper
JPMorgan read as Chase Business Banking
JPMorgan Chase read as Chase Business Banking
Live Oak read as Live Oak Bank
PNC read as PNC Bank
SVB read as Silicon Valley Bank
SVB (Silicon Valley Bank / First Citizens) read as Silicon Valley Bank
Starling read as Starling Bank
Synapse read as Synapse Financial Technologies
nbkc Bank read as NBKC
Unresolved, counted raw
Allica Bank
American Express Business Banking
American Express® Business Checking
Axis
Axos Bank – Basic Business Checking
Bank of America - Business Advantage 360
Bank of America – Business Advantage Fundamentals
Bank of Baroda
Bank of Maharashtra
BlueVine – Business Checking
Brex Cash
CIBC
Camber
Capital One Business Complete Banking
Capital One Business Savings & Checking
Capital One Enhanced Checking
Chase - Performance Business Checking
Chase Commercial Banking
City National Bank
Credit Unions
Decentro
Digibanc
First Internet Bank - Commercial Analyzed Checking
Found – Business Banking
Frost Business Checking Plus
Grasshopper Bank's Innovator Business Checking
Grasshopper Innovator Checking
Greenbacker
HSBC Small Business Account
Handelsbanken
ICICI
IDBI
JPMorgan Chase – Middle Market Banking & Specialized Industries (MMBSI)
KeyBank Business Reward Checking
Live Oak Bank's Small Business Checking Account
Mercur
Metro Bank – Business Current Account
NBKC Bank – Business Checking
Open Payments
Oxygen
PNC Bank - Treasury Enterprise Plan
PNC Bank – Treasury Management (Regional Heavyweight)
Royal Bank of Scotland (RBS) Business
SBS Banking Platform
SBank Business Online Banking / s-bank.online
Simmons Bank
TD
TD Bank Business Checking
TD Business Premier
Texas Capital Bank
Tide, UK
Truist Bank's Simple Business Checking
U.S. Bank – Business Advantage Fundamentals
Umpqua Bank
Virgin Money – Business Current Account
Wells Fargo – Commercial Banking
Yaspa
Discontinued, still offered
No shut-down product was recommended here.