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Business banking · November 2026 Edition
American Express Business Checking vs Bank of America
Zero of fourteen models named American Express Business Checking first on the direct prompt; one named Bank of America. American Express Business Checking was named by eleven of the fourteen models and Bank of America by fourteen and American Express Business Checking carries 16 labels and Bank of America 31, so the shares are not directly comparable.
Named in one category this edition.
Named in six categories this edition.
First-choice share2%2%Of first choices across the direct, paraphrase, budget and scale prompts, 0 to 100.
Negative rate6%26%Negative labels as a share of the product's labels, 0 to 100.
Rank in category#6#8A position in a field of 16; printed, not drawn.
Labels1631A count; the two differ.
The two percentage rows are drawn on one 0 to 100 track, American Express Business Checking reading right to left. Rank and label count are printed, not drawn.Mercury vs American Express Business Checking · Mercury vs Bank of America · Bluevine vs American Express Business Checking
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; rank is within the category; every quote names the model and the prompt it came from. Both figures come from the business banking page.
By framing
How many of the fourteen models made each the first choice, per way of asking, and how many argued against it.
American Express Business CheckingFirst choices, of fourteen modelsBank of America
Direct01
Paraphrase001 against Bank of America
Comparative00
Budget-constrained101 against Bank of America
Scale-constrained00
Negative001 against American Express Business Checking · 6 against Bank of America
Bars are first choices, 0 to 14 each sideModels that argued againstA model can name both, so the two sides of a row do not sum to fourteen.
Every model, every framing
The eighty-four answers behind the chart above, one cell each: where American Express Business Checking and Bank of America stood in it.
| Model | Direct | Paraphrase | Comparative | Budget-constrained | Scale-constrained | Negative |
|---|---|---|---|---|---|---|
| Claude Haiku 4.5 | | | ||||
| GPT-5.4 mini | | | ||||
| Gemini 3.5 Flash | | | | |||
| Perplexity Sonar | | | ||||
| Grok 4.20 | | | | | ||
| Mistral Small | | |||||
| DeepSeek V4 Flash | | | ||||
| Llama 4 Maverick | | | ||||
| Qwen 3.7 Flash | | |||||
| Kimi K2 | | |||||
| GLM 4.7 FlashX | | |||||
| MiniMax M2.5 | | | ||||
| GPT-6 Luna | | | ||||
| Muse Glimmer 30B | | | |
American Express Business Checking Bank of America first choice named as an alternative argued againstblank: not namedEach cell is one answer, American Express Business Checking on the left and Bank of America on the right.The direct prompt
The plain question, one answer per model, grouped by where American Express Business Checking and Bank of America stood in it.
Bank of America first, American Express Business Checking not the choice
1 of 14 modelsAmerican Express Business Checking was named in the answer but not as the choice, or not at all.Grok 4.20Bank of America alternatives: Bluevine, Brex, Chase Business Banking, Citibank, Mercury, PNC Bank, Texas Capital Bank
Neither was the first choice, one was named
6 of 14 modelsThe answer put something else first and named one of the two as an alternative.GPT-5.4 miniJ.P. Morgan Commercial Banking alternatives: Bank of America
Perplexity SonarChase Commercial Banking alternatives: Airwallex, Bank of America, Brex, Mercury, Ramp, Rho, U.S. Bank
Kimi K2Brex alternatives: Bank of America, First Internet Bank, Mercury
MiniMax M2.5Chase Performance Business Checking alternatives: American Express Business Checking, Mercury, PNC Bank, TD Business Premier Checking
GPT-6 LunaJ.P. Morgan Commercial Banking alternatives: Bank of America, Citibank
Muse Glimmer 30BPNC Bank alternatives: Bank of America, Brex, First Internet Bank
Neither was named
7 of 14 modelsThe answer made no first choice from these two in this category.Claude Haiku 4.5Brex alternatives: Chase Business Banking, Mercury, Relay
Gemini 3.5 FlashJPMorgan Chase – Middle Market Banking & Specialized Industries alternatives: Bank of America Global Commercial Banking, Brex, PNC Bank – Treasury Management, Ramp, Silicon Valley Bank, Wells Fargo – Commercial Banking
Mistral SmallPNC Bank, TD Business Premier Checking alternatives: Axos Bank Basic Business Checking, Capital One Business Savings & Checking, Chase Business Banking
DeepSeek V4 FlashChase Performance Business Checking alternatives: Capital One Enhanced Checking, KeyBank Business Reward Checking, Mercury, PNC Bank, Rho
Llama 4 Maverickno first choice
Qwen 3.7 FlashCamber, Mercury alternatives: Bank of America Business Advantage Fundamentals, Signature Bank, TD Bank Business Checking, Umpqua Bank
GLM 4.7 FlashXBank 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
Bold names in an answer are the products the judge labeled a first choice; a model naming several gives each of them that label. The full answer text for every row is in the record.
By buyer segment
The same question asked on behalf of a different buyer. Each standing is computed within its segment and they are never added together. The figures above are the mid-market standing, which is the one the category orders by.
Small business
American Express Business Checking leads by six points.
American Express Business Checking6%#5 of 14Bank of America0%#12 of 14Mid-marketThe figures above
Level: the same share of first choices.
American Express Business Checking2%#6 of 16Bank of America2%#8 of 16Enterprise
The order flips: Bank of America leads at enterprise.
Bank of America8%#4 of 13American Express Business Checking0%#– of 13What the models said about American Express Business Checking
Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Four of five in this category shown.
“American Express: It has received two enforcement orders in October 2026.” Llama 4 Maverick · negative prompt · hard negative
“The best business bank account for a company with a limited budget is Amex Business Checking” Llama 4 Maverick · budget prompt · first choice
“good for those looking to get a simple low-cost business checking account and do most of their business online” Claude Haiku 4.5 · budget prompt · alternative
“Choose American Express for straightforward online checking plus customer support and interest.” Perplexity Sonar · comparative prompt · alternative
What the models said about Bank of America
Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Five of five in this category shown.
“Receives a high volume of complaints, often regarding fees and customer service” Claude Haiku 4.5 · negative prompt · hard negative
“Bank of America: It has an enforcement order that has not been terminated.” Llama 4 Maverick · negative prompt · hard negative
“Start with Bank of America for a balanced, proven mid-market solution” Grok 4.20 · direct prompt · first choice
“Traditional banks (Chase, Wells Fargo, Bank of America, regional banks) can offer more comprehensive commercial lending.” DeepSeek V4 Flash · scale prompt · alternative
“is also a strong option, especially if you want broad treasury services and a large U.S. branch footprint” GPT-5.4 mini · direct prompt · alternative
Also compared
Mercury vs American Express Business CheckingMercury vs Bank of AmericaBluevine vs American Express Business CheckingBluevine vs Bank of AmericaBrex vs American Express Business CheckingBrex vs Bank of AmericaRho vs American Express Business CheckingRho vs Bank of AmericaPNC Bank vs American Express Business CheckingPNC Bank vs Bank of AmericaAmerican Express Business Checking vs Axos Bank Basic Business CheckingAxos Bank Basic Business Checking vs Bank of AmericaAll twenty-eight head-to-head pages and the full business banking standing
Comparisons are drawn for the top eight products in each category, each against each. The output is the models' output; nothing here is a recommendation by the index.