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Business banking · November 2026 Edition
Mercury vs American Express Business Checking
One of fourteen models named Mercury first on the direct prompt; zero named American Express Business Checking. Mercury was named by fourteen of the fourteen models and American Express Business Checking by eleven and Mercury carries 45 labels and American Express Business Checking 16, so the shares are not directly comparable.
Named in four categories this edition.
Named in one category this edition.
First-choice share17%2%Of first choices across the direct, paraphrase, budget and scale prompts, 0 to 100.
Negative rate16%6%Negative labels as a share of the product's labels, 0 to 100.
Rank in category#1#6A position in a field of 16; printed, not drawn.
Labels4516A count; the two differ.
The two percentage rows are drawn on one 0 to 100 track, Mercury reading right to left. Rank and label count are printed, not drawn.Mercury vs Bluevine · Mercury vs Brex · Mercury vs Rho
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.
MercuryFirst choices, of fourteen modelsAmerican Express Business Checking
Direct10
Paraphrase60
Comparative10
Budget-constrained21
Scale-constrained00
Negative007 against Mercury · 1 against American Express Business Checking
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 Mercury and American Express Business Checking 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 | | | |
Mercury American Express Business Checking first choice named as an alternative argued againstblank: not namedEach cell is one answer, Mercury on the left and American Express Business Checking on the right.The direct prompt
The plain question, one answer per model, grouped by where Mercury and American Express Business Checking stood in it.
Mercury 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.Qwen 3.7 FlashCamber, Mercury alternatives: Bank of America Business Advantage Fundamentals, Signature Bank, TD Bank Business Checking, Umpqua 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.Claude Haiku 4.5Brex alternatives: Chase Business Banking, Mercury, Relay
Perplexity SonarChase Commercial Banking alternatives: Airwallex, Bank of America, Brex, Mercury, Ramp, Rho, U.S. Bank
Grok 4.20Bank of America alternatives: Bluevine, Brex, Chase Business Banking, Citibank, Mercury, PNC Bank, Texas Capital Bank
DeepSeek V4 FlashChase Performance Business Checking alternatives: Capital One Enhanced Checking, KeyBank Business Reward Checking, Mercury, PNC Bank, Rho
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
Neither was named
7 of 14 modelsThe answer made no first choice from these two in this category.GPT-5.4 miniJ.P. Morgan Commercial Banking alternatives: Bank of America
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
Llama 4 Maverickno first choice
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
GPT-6 LunaJ.P. Morgan Commercial Banking alternatives: Bank of America, Citibank
Muse Glimmer 30BPNC Bank alternatives: Bank of America, Brex, First Internet Bank
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
Mercury leads by thirty-five points.
Mercury41%#1 of 14American Express Business Checking6%#5 of 14Mid-marketThe figures above
Mercury leads by fifteen points.
Mercury17%#1 of 16American Express Business Checking2%#6 of 16Enterprise
Mercury leads by six points.
Mercury6%#6 of 13American Express Business Checking0%#– of 13What the models said about Mercury
Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Five of six in this category shown.
“Be cautious with online-focused or fintech business banking providers like Mercury, Bluevine, and Relay.” Grok 4.20 · negative prompt · hard negative
“For Mercury, Bluevine, Novo, Relay, and similar app-first providers, I wouldn't say "avoid" across the board. I would treat them as products to vet carefully” GPT-6 Luna · negative prompt · soft negative
“they carry significant structural risks for small-to-mid-sized businesses... they can terminate your business relationship at any time” Qwen 3.7 Flash · negative prompt · soft negative
“Start with Mercury (treasury + invoicing + payroll) or Bluevine (low fees + high yields). Both have strong track records” GLM 4.7 FlashX · paraphrase prompt · first choice
“Choose a Tech-First Neobank (e.g., Mercury) if: You are a VC-backed startup, tech company, or SaaS business.” Gemini 3.5 Flash · comparative prompt · first choice
What 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
Also compared
Mercury vs BluevineMercury vs BrexMercury vs RhoMercury vs PNC BankMercury vs Axos Bank Basic Business CheckingMercury vs Bank of AmericaBluevine vs American Express Business CheckingBrex vs American Express Business CheckingRho vs American Express Business CheckingPNC Bank vs American Express Business CheckingAmerican Express Business Checking vs Axos Bank Basic Business CheckingAmerican Express 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.