# Business banking: what AI models recommend, November 2026

Gane Index, November 2026 Edition. Asked as "business bank account for a company" and as "banking platform for a startup", six framings each, to fourteen models with search on, on behalf of a mid-market B2B company. Page: https://www.gane.ai/index/finance/treasury/business-banking/2026-11

**Standing:** Mercury leads with 17% of first choices; verdict contested. 53 first choices across the direct, paraphrase, budget and scale prompts.

## First-choice share

| Rank | Product | Share | Negative rate | Labels |
|---|---|---|---|---|
| 1 | [Mercury](https://www.gane.ai/index/finance/vendors/mercury/index.md) | 17% | 16% | 45 |
| 2 | [Bluevine](https://www.gane.ai/index/finance/vendors/bluevine/index.md) | 13% | 11% | 35 |
| 3 | [Brex](https://www.gane.ai/index/finance/vendors/brex/index.md) | 8% | 17% | 24 |
| 4 | [Rho](https://www.gane.ai/index/finance/vendors/rho/index.md) | 8% | 11% | 18 |
| 8 | [PNC Bank](https://www.gane.ai/index/finance/vendors/pnc-bank/index.md) | 4% | 25% | 12 |
| 10 | [American Express Business Checking](https://www.gane.ai/index/finance/vendors/american-express-business-checking/index.md) | 2% | 6% | 16 |
| 11 | [Axos Bank Basic Business Checking](https://www.gane.ai/index/finance/vendors/axos-bank-basic-business-checking/index.md) | 2% | 0% | 13 |
| 12 | [Bank of America](https://www.gane.ai/index/finance/vendors/bank-of-america/index.md) | 2% | 26% | 31 |
| 13 | [Novo](https://www.gane.ai/index/finance/vendors/novo/index.md) | 2% | 26% | 19 |
| 15 | [Relay](https://www.gane.ai/index/finance/vendors/relay/index.md) | 2% | 32% | 25 |
| 27 | [Chase Business Banking](https://www.gane.ai/index/finance/vendors/chase-business-banking/index.md) | 0% | 26% | 34 |
| 28 | [Ramp](https://www.gane.ai/index/finance/vendors/ramp/index.md) | 0% | 0% | 13 |

Rank is by share of first choices among all 121 products named; products with the same share are tied, and the order among them carries no meaning. The table lists those with at least 10 labels.

## Each model's first choice on the direct prompt

- Claude Haiku 4.5: Brex; alternatives Chase Business Banking, Mercury, Relay
- GPT-5.4 mini: J.P. Morgan Commercial Banking; alternatives Bank of America
- Gemini 3.5 Flash: JPMorgan Chase – Middle Market Banking & Specialized Industries; alternatives Bank of America Global Commercial Banking, Brex, PNC Bank – Treasury Management, Ramp
- Perplexity Sonar: Chase Commercial Banking; alternatives Airwallex, Bank of America, Brex, Mercury
- Grok 4.20: Bank of America; alternatives Bluevine, Brex, Chase Business Banking, Citibank
- Mistral Small: PNC Bank, TD Business Premier Checking; alternatives Axos Bank Basic Business Checking, Capital One Business Savings & Checking, Chase Business Banking
- DeepSeek V4 Flash: Chase Performance Business Checking; alternatives Capital One Enhanced Checking, KeyBank Business Reward Checking, Mercury, PNC Bank
- Llama 4 Maverick: no first choice
- Qwen 3.7 Flash: Camber, Mercury; alternatives Bank of America Business Advantage Fundamentals, Signature Bank, TD Bank Business Checking, Umpqua Bank
- Kimi K2: Brex; alternatives Bank of America, First Internet Bank, Mercury
- GLM 4.7 FlashX: Bank of America - Business Advantage 360, PNC Bank - Treasury Enterprise Plan; alternatives Chase - Performance Business Checking, First Internet Bank - Commercial Analyzed Checking, Frost Business Checking Plus
- MiniMax M2.5: Chase Performance Business Checking; alternatives American Express Business Checking, Mercury, PNC Bank, TD Business Premier Checking
- GPT-6 Luna: J.P. Morgan Commercial Banking; alternatives Bank of America, Citibank
- Muse Glimmer 30B: PNC Bank; alternatives Bank of America, Brex, First Internet Bank

## Sources the answers cite

70 of 84 answers came back with a source list, from 14 of 14 models. Sites named in the most answers:

- nerdwallet.com: 38 answers, 56 citations
- forbes.com: 31 answers, 58 citations
- rho.co: 22 answers, 33 citations
- brex.com: 16 answers, 31 citations
- fitsmallbusiness.com: 16 answers, 18 citations
- business.com: 14 answers, 14 citations
- airwallex.com: 13 answers, 17 citations
- business.bankofamerica.com: 13 answers, 14 citations

Pages named in the most answers:

- https://forbes.com/advisor/banking/best-business-bank-accounts (24 answers)
- https://forbes.com/advisor/banking/checking/best-business-checking-accounts (16 answers)
- https://nerdwallet.com/business/banking/best/banks (13 answers)
- https://business.bankofamerica.com/en/deposits/checking-accounts (12 answers)
- https://business.com/categories/best-business-bank-accounts (12 answers)
- https://fitsmallbusiness.com/best-online-business-banks (10 answers)
- https://chase.com/business/banking/checking (9 answers)
- https://rho.co/blog/best-business-bank-accounts (9 answers)
- https://xero.com/us/guides/best-banks-for-small-businesses (9 answers)
- https://brex.com/spend-trends/business-banking/best-banks-and-business-banking-accounts (8 answers)

## Warned against

- Wells Fargo: 9 of 21 labels 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 Banking: 9 of 34 labels negative. "Chase Business Banking: It has been criticized for its practices and has a high negative share." (Llama 4 Maverick, negative prompt)
- Relay: 8 of 25 labels negative. ""Not Rated" status with Better Business Bureau while investigating previously-closed complaints" (GLM 4.7 FlashX, negative prompt)
- Mercury: 7 of 45 labels negative. "Be cautious with online-focused or fintech business banking providers like Mercury, Bluevine, and Relay." (Grok 4.20, negative prompt)

## Movement since October 2026

Floor: 10 points of share, measured on the calibration repeat.
Same leader: Mercury at 17%.

- Novo: 10% to 2%, −8. Inside the floor by 2 points · rank 4 → 13 of 121.
- Chase Business Banking: 8% to 0%, −8. Inside the floor by 2 points · rank 5 → 27 of 121.
- Mercury: 23% to 17%, −6. Inside the floor by 4 points · rank 1 of 121, unchanged.
- Brex: 4% to 8%, +4. Inside the floor by 6 points · rank 7 → 3 of 121.
- Rho: 12% to 8%, −4. Inside the floor by 6 points · rank 2 → 4 of 121.
- Bluevine: 10% to 13%, +3. Inside the floor by 7 points · rank 3 → 2 of 121.
- PNC Bank: 2% to 4%, +2. Inside the floor by 8 points · rank 16 → 8 of 121.
- Axos Bank Basic Business Checking: 0% to 2%, +2. Inside the floor by 8 points · rank 26 → 11 of 121.
- Bank of America: 4% to 2%, −2. Inside the floor by 8 points · rank 6 → 12 of 121.
- Relay: 4% to 2%, −2. Inside the floor by 8 points · rank 8 → 15 of 121.
- Ramp: 2% to 0%, −2. Inside the floor by 8 points · rank 13 → 28 of 121.
- U.S. Bank: 2% to 0%, −2. Inside the floor by 8 points · rank 12 → 29 of 121.

## Record

- Method: https://www.gane.ai/index/finance/methodology
- License: CC BY 4.0. Cite as Gane Index, November 2026 Edition, www.gane.ai/index/finance.