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Business banking · November 2026 Edition
PNC Bank vs American Express Business Checking
Two of fourteen models named PNC Bank first on the direct prompt; zero named American Express Business Checking. PNC Bank was named by seven of the fourteen models and American Express Business Checking by eleven and PNC Bank carries 12 labels and American Express Business Checking 16, so the shares are not directly comparable.
PNC Bank
criticized challengerNamed in one category this edition.
Named in one category this edition.
First-choice share4%2%Of first choices across the direct, paraphrase, budget and scale prompts, 0 to 100.
Negative rate25%6%Negative labels as a share of the product's labels, 0 to 100.
Rank in category#5#6A position in a field of 16; printed, not drawn.
Labels1216A count; the two differ.
The two percentage rows are drawn on one 0 to 100 track, PNC Bank reading right to left. Rank and label count are printed, not drawn.Mercury vs PNC Bank · Mercury vs American Express Business Checking · Bluevine vs PNC Bank
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.
PNC BankFirst choices, of fourteen modelsAmerican Express Business Checking
Direct20
Paraphrase00
Comparative00
Budget-constrained01
Scale-constrained00
Negative003 against PNC Bank · 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 PNC Bank and American Express Business Checking stood in it.
| Model | DirectPB | ParaphrasePB | ComparativePB | Budget-constrainedPB | Scale-constrainedPB | NegativePB |
|---|---|---|---|---|---|---|
| Claude Haiku 4.5 | | |||||
| GPT-5.4 mini | | |||||
| Gemini 3.5 Flash | ||||||
| Perplexity Sonar | | |||||
| Grok 4.20 | PB | | ||||
| Mistral Small | PB | | ||||
| DeepSeek V4 Flash | PB | | ||||
| Llama 4 Maverick | | | ||||
| Qwen 3.7 Flash | | |||||
| Kimi K2 | PB | |||||
| GLM 4.7 FlashX | PB | |||||
| MiniMax M2.5 | PB | | ||||
| GPT-6 Luna | | |||||
| Muse Glimmer 30B | PB | | PB |
PB PNC Bank American Express Business CheckingPB first choicePB named as an alternativePB argued againstblank: not namedEach cell is one answer, PNC Bank on the left and American Express Business Checking on the right.
American Express Business CheckingPB first choicePB named as an alternativePB argued againstblank: not namedEach cell is one answer, PNC Bank on the left and American Express Business Checking on the right.The direct prompt
The plain question, one answer per model, grouped by where PNC Bank and American Express Business Checking stood in it.
PNC Bank first, American Express Business Checking not the choice
2 of 14 modelsAmerican Express Business Checking was named in the answer but not as the choice, or not at all.Mistral SmallPNC Bank, TD Business Premier Checking alternatives: Axos Bank Basic Business Checking, Capital One Business Savings & Checking, Chase Business Banking
Muse Glimmer 30BPNC Bank alternatives: Bank of America, Brex, First Internet Bank
Neither was the first choice, one was named
3 of 14 modelsThe answer put something else first and named one of the two as an alternative.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
MiniMax M2.5Chase Performance Business Checking alternatives: American Express Business Checking, Mercury, PNC Bank, TD Business Premier Checking
Neither was named
9 of 14 modelsThe answer made no first choice from these two in this category.Claude Haiku 4.5Brex alternatives: Chase Business Banking, Mercury, Relay
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
Perplexity SonarChase Commercial Banking alternatives: Airwallex, Bank of America, Brex, Mercury, Ramp, Rho, U.S. Bank
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
Kimi K2Brex alternatives: Bank of America, First Internet Bank, Mercury
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
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 14PNC Bank0%#– of 14
The full small business standing →Mid-marketThe figures above
The order flips: PNC Bank leads at mid-market.
PNC Bank4%#5 of 16
American Express Business Checking2%#6 of 16Enterprise
PNC Bank leads by eight points.
PNC Bank8%#5 of 13
American Express Business Checking0%#– of 13What the models said about PNC Bank
Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Six of seven in this category shown.
“Consistent complaints about: Extremely long phone waits” Kimi K2 · negative prompt · hard negative
“Closed business lines of credit without acknowledgment or communication” GLM 4.7 FlashX · negative prompt · soft negative
“PNC as "mediocre"” Muse Glimmer 30B · negative prompt · soft negative
“PNC Treasury Enterprise Plan and TD Business Premier Checking are top choices due to their scalability, transaction limits, and dedicated support.” Mistral Small · direct prompt · first choice
“Forbes Advisor ranks the PNC Treasury Enterprise Plan as "Best for High-Revenue Businesses."” Muse Glimmer 30B · direct prompt · first choice
“If you have exceptionally high transaction volume: PNC Treasury Enterprise Plan (2,500 free transactions)” DeepSeek V4 Flash · direct prompt · alternative
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 PNC BankMercury vs American Express Business CheckingBluevine vs PNC BankBluevine vs American Express Business CheckingBrex vs PNC BankBrex vs American Express Business CheckingRho vs PNC BankRho 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 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.