Business banking for small business buyers
Asked as “business bank account for a company”, and as “banking platform for a startup”, on behalf of a small B2B company. 51 first choices recorded across the direct, paraphrase, budget and scale prompts, fourteen models each.
Standing · first-choice share
41%
Clear leader
41Mercury24Bluevine08NBKC27others
41% of first choices, clear leader.
Since October 2026▲+6Since October 2026: 35% → 41%, +6 points. Inside the 10-point floor: within noise.Mercury held the lead, +6 points on 35%, 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.This pageMid-marketMercury17%Contested▼−6Since October 2026: 23% → 17%, −6 points. Inside the 10-point floor: within noise.Standing →Enterprise
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.This pageMid-marketMercury17%Contested▼−6Since October 2026: 23% → 17%, −6 points. Inside the 10-point floor: within noise.Standing →EnterpriseBrex27%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 small B2B company. Ordered by share.
ProductFirst-choice shareNegative rateLabelsQuadrantSince October 2026
01Mercury41%11%54endorsed leader▲+6Since October 2026: 35% → 41%, +6 points. Inside the 10-point floor: within noise.35% → 41%
Mercury41%11%54endorsed leader▲+6Since October 2026: 35% → 41%, +6 points. Inside the 10-point floor: within noise.35% → 41%02
Bluevine24%7%60accepted challenger▲+8Since October 2026: 16% → 24%, +8 points. Inside the 10-point floor: within noise.16% → 24%
Bluevine24%7%60accepted challenger▲+8Since October 2026: 16% → 24%, +8 points. Inside the 10-point floor: within noise.16% → 24%03
Novo8%10%29accepted challenger▼−3Since October 2026: 11% → 8%, −3 points. Inside the 10-point floor: within noise.11% → 8%
Novo8%10%29accepted challenger▼−3Since October 2026: 11% → 8%, −3 points. Inside the 10-point floor: within noise.11% → 8%04
NBKC8%0%12accepted challenger▲+6Since October 2026: 2% → 8%, +6 points. Inside the 10-point floor: within noise.2% → 8%
NBKC8%0%12accepted challenger▲+6Since October 2026: 2% → 8%, +6 points. Inside the 10-point floor: within noise.2% → 8%05
American Express Business Checking6%0%13accepted challenger▲+2Since October 2026: 4% → 6%, +2 points. Inside the 10-point floor: within noise.4% → 6%
American Express Business Checking6%0%13accepted challenger▲+2Since October 2026: 4% → 6%, +2 points. Inside the 10-point floor: within noise.4% → 6%06Axos Bank Basic Business Checking2%13%15accepted challenger=heldSince October 2026: 2% → 2%, ±0 points. Inside the 10-point floor: within noise.2% → 2%
07
Lili2%20%10accepted challenger▲+2Since October 2026: 0% → 2%, +2 points. Inside the 10-point floor: within noise.0% → 2%
Lili2%20%10accepted challenger▲+2Since October 2026: 0% → 2%, +2 points. Inside the 10-point floor: within noise.0% → 2%08Brex2%28%18criticized challenger▼−2Since October 2026: 4% → 2%, −2 points. Inside the 10-point floor: within noise.4% → 2%
Brex2%28%18criticized 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
14
Wells Fargo0%53%19criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
Wells Fargo0%53%19criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%12
Bank of America0%35%23criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
Bank of America0%35%23criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%13
U.S. Bank0%33%12criticized challenger▼−2Since October 2026: 2% → 0%, −2 points. Inside the 10-point floor: within noise.2% → 0%
U.S. Bank0%33%12criticized challenger▼−2Since October 2026: 2% → 0%, −2 points. Inside the 10-point floor: within noise.2% → 0%10
Chase Business Banking0%26%54criticized challenger▼−4Since October 2026: 4% → 0%, −4 points. Inside the 10-point floor: within noise.4% → 0%
Chase Business Banking0%26%54criticized challenger▼−4Since October 2026: 4% → 0%, −4 points. Inside the 10-point floor: within noise.4% → 0%11
Found0%12%16accepted challenger▼−2Since October 2026: 2% → 0%, −2 points. Inside the 10-point floor: within noise.2% → 0%
Found0%12%16accepted challenger▼−2Since October 2026: 2% → 0%, −2 points. Inside the 10-point floor: within noise.2% → 0%09
Relay0%6%35accepted challenger▼−9Since October 2026: 9% → 0%, −9 points. Inside the 10-point floor: within noise.9% → 0%
Relay0%6%35accepted challenger▼−9Since October 2026: 9% → 0%, −9 points. Inside the 10-point floor: within noise.9% → 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.
For buyers
Head to headHead-to-head pages are published for mid-market buyers, so these open on mid-market figures, not small business.
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 →
0102030405A06
0708091011121314Accepted challengerEndorsed leader
0%First-choice share → · lines at 30% share and 25% negative60%
Key
01Mercury41%
Mercury41%02Bluevine24%
Bluevine24%03Novo8%
Novo8%04NBKC8%
NBKC8%05American Express Business Checking6%
American Express Business Checking6%06Axos Bank Basic Business Checking2%
07Lili2%
Lili2%08Brex2%
Brex2%09Relay0%
Relay0%10Chase Business Banking0%
Chase Business Banking0%11Found0%
Found0%12Bank of America0%
Bank of America0%13U.S. Bank0%
U.S. Bank0%14Wells Fargo0%
Wells Fargo0%What they warned about
Three of fourteen models held their first choice under the paraphrase. Claude Haiku 4.5, GPT-5.4 mini, Perplexity Sonar, Grok 4.20, Mistral Small, Llama 4 Maverick, Qwen 3.7 Flash, Kimi K2, GLM 4.7 FlashX, MiniMax M2.5 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.
Chase Business Banking26%
14 of 54 labels negative · 9 of 14 models
“Chase Business Complete has a $15 monthly fee, waived if you meet one of its qualifying conditions, including maintaining a $2,000 minimum daily balance” GPT-6 Luna, budget prompt
Wells Fargo53%
10 of 19 labels negative · 8 of 14 models · 5 hard negative
“Many business‑focused publications now explicitly advise small businesses to avoid Wells Fargo until its reputation and service quality improve.” GLM 4.7 FlashX, negative prompt
Bank of America35%
8 of 23 labels negative · 6 of 14 models
“Large National Chains (Chase, Bank of America, PNC)... they often misalign with the agile needs of small businesses.” Qwen 3.7 Flash, negative prompt
Mercury11%
6 of 54 labels negative · 6 of 14 models
“it does not pay interest on checking and is optimized for larger, venture-path companies rather than a very tight-budget bootstrapped small business” Muse Glimmer 30B, budget 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
72 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. 781 links across 195 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.
40 answers · 52 citations · 12 models
30 answers · 40 citations · 9 models
23 answers · 37 citations · 9 models
vendor site · Rho21 answers · 33 citations · 9 models
vendor site · Xero20 answers · 22 citations · 10 models
vendor site · Bluevine16 answers · 21 citations · 8 models
vendor site · Chase15 answers · 20 citations · 7 models
15 answers · 17 citations · 9 models
vendor site · Mercury13 answers · 21 citations · 9 models
13 answers · 13 citations · 7 models
vendor site · HSBC13 answers · 13 citations · 8 models
13 answers · 13 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.
22 answers · 11 models
19 answers · 10 models
18 answers · 8 models
16 answers · 6 models
13 answers · 8 models
12 answers · 6 models
11 answers · 8 models
9 answers · 5 models
9 answers · 8 models
9 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 | 41% | 182 | 368,000 | 130,988 | 301,244 | $284,811 | 25 | 5 |
| Bluevine bluevine.com | 24% | 101 | 74,000 | 990 | 79,464 | $113 | 120 | 3 |
| Novo novo.co | 8% | 46 | 49,500 | 10,752 | 48,117 | $22,187 | 8 | |
| NBKC nbkc.com | 8% | 20 | 8,100 | 339 | 19,954 | 31 | ||
| American Express americanexpress.com American Express Business Checking 6% | 6% | 31 | 3,350,000 | 23,185 | 22,105,127 company | $20,307 | 119 | |
| Axos axosbank.com Axos Bank Basic Business Checking 2% | 2% | 29 | 492,589 company | $633 | 36 | |||
| Lili lili.co | 2% | 15 | 27,100 | 224,056 | 25,083 | 2 | ||
| Brex brex.com | 2% | 524 | 60,500 | 1,190 | 328,914 | $12,238 | 81 | 7 |
| Rho rho.co | 2% | 152 | 74,000 | 7,366 | 182,562 | $416 | 2 | |
| Bank of America Business Advantage bankofamerica.com Bank of America Business Advantage Fundamentals 2% | 2% | 7 | 47,087,286 company | $143,661 | 120 | 1 |
Google's top ten for the three searches hold 24 sites; 4 of them are among the sites the models cited here (bluevine.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 small B2B company?”Paraphrase“Which banking platform for a startup would you recommend to a small business that sells to other businesses?”Comparative“What are the top business banking providers for a small team and how do they differ?”Budget-constrained“What is the best business bank account for a company for a small company with a tight budget?”Scale-constrained“We are a 30 person company evaluating a business bank account for a company. What should we look at?”Negative“Which business banking providers should a small business avoid or be cautious about?”
Claude Haiku 4.5Bluevineno first choiceChangedLili, Mercuryno first choiceno first choiceagainst: Bank of America, Chase Business Banking, Fifth Third Bank, PNC Bank, U.S. Bank
Five alternatives
Bank of America, Chase Business Banking, Lili, Mercury, NovoFour alternatives
Bluevine, Brex, Chase Business Banking, RelayGPT-5.4 miniBluevine, MercuryMercuryChangedChase Business BankingBluevineagainst: Chase Business Bankingno first choicenothing named
Three alternatives
Chase Business Banking, Found, NBKCThree alternatives
Bluevine, Brex, RampThree alternatives
Bank of America, Bluevine, NovoThree alternatives
American Express Business Checking, NBKC, NovoGemini 3.5 FlashMercuryMercuryHeldagainst: Chase Business BankingRelayMercuryagainst: Chase Business Banking, GreenDotBrex, Mercuryagainst: Bank of America, Brex, Chase Business Banking, Juno, Mercury, Novo, PayPal, Square Checking, Stripe Financial Connections, Synapse Financial Technologies, Wells Fargo, Yotta
Three alternatives
Bluevine, Chase Business Banking, RelayFour alternatives
Bluevine, Brex, Novo, RelayFour alternatives
Bluevine, Chase Business Banking, Mercury, Wise BusinessFive alternatives
Bluevine, Found, Novo, Relay, U.S. Bank Silver Business CheckingThree alternatives
Bank of America, Chase Business Banking, RampPerplexity SonarAmerican Express Business CheckingMercuryChangedBluevine, MercuryBluevineno first choiceagainst: Brex, Found, Lili, Mercury, Novo, Relay
Five alternatives
Airwallex, Bluevine, Chase Business Banking, Mercury, RhoFour alternatives
Bluevine, Chase Business Banking, Relay, RhoFour alternatives
Chase Business Banking, Found, Relay, RhoTwo alternatives
American Express Business Checking, Chase Business BankingGrok 4.20Bluevine, MercuryMercuryChangedagainst: Chase Business BankingBluevine, MercuryNBKCagainst: Bank of America, Chase Business Banking, Wells Fargono first choiceagainst: Ampere, Anna, Bank of America, Bluevine, Brex, Chase Business Banking, HSBC, Mercury, NatWest, PNC Bank, Relay, Revolut Business, Square, Tide, U.S. Bank, Wells Fargo
Six alternatives
Bank of America Business Advantage Fundamentals, Chase Business Banking, Found, NBKC, Novo, U.S. BankThree alternatives
Bluevine, Brex, RelayFour alternatives
Axos Bank Basic Business Checking, Capital One, Chase Business Banking, First Internet BankSix alternatives
American Express Business Checking, Bluevine, Capital One Spark Business Checking, Found, Lili, MercuryMistral SmallBluevine, NBKC, NovoMercuryChangedno first choiceBluevine, Mercury Free Checkingno first choiceagainst: NatWest, Nexpay
Two alternatives
Chase Business Banking, FoundTwo alternatives
Bank of America, Chase Business BankingTwo alternatives
Bank of America Business Advantage Fundamentals, NBKCDeepSeek V4 FlashMercuryMercuryHeldMercuryagainst: FoundNBKC, Novono first choiceagainst: Bank of America, Bluevine, Chase Business Banking, Citibank, Lili, Novo, U.S. Bank, Wells Fargo
Four alternatives
Bluevine, Chase Business Banking, Novo, RelayTwo alternatives
Brex, RelaySeven alternatives
Bluevine, Brex, Chase Business Banking, Novo, Relay, U.S. Bank, Wells FargoThree alternatives
Bluevine, Chase Business Complete Banking™, FoundLlama 4 MaverickAmerican Express Business CheckingLiliChangedno first choiceBank of America Business Advantage Fundamentalsno first choiceagainst: Bluevine
Three alternatives
Axos Bank Basic Business Checking, Bluevine, HSBC Small Business Banking AccountFour alternatives
Bluevine, Mercury, Relay, RhoFour alternatives
Bluevine, Grasshopper, U.S. Bank, nbkc Bank Business Checking AccountQwen 3.7 FlashNovoMercuryChangedno first choicenbkc Bank Business Checking Accountagainst: Barclays, NatWestno first choiceagainst: Bank of America, Chase Business Banking, Wells Fargoagainst: Axos Bank Basic Business Checking, Bank of America, Chase Business Banking, PNC Bank, Payoneer, Stripe, SunCoast Credit Union, Wells Fargo
Three alternatives
Bluevine, Chase Business Banking, NorthOneThree alternatives
Bluevine, Ramp, Wise BusinessSix alternatives
Bluevine, Capital One, Chase Business Banking, Found, Lili Financial, Wells Fargo Business Advantage CheckingFive alternatives
American Express Business Checking, Bluevine, HSBC Small Business Banking Account, Starling Bank, TideKimi K2MercuryBluevine, MercuryChangedagainst: BrexBluevine, RelayMercuryno first choiceagainst: Bank of America, Brex, Chase Business Banking, Synovus, Wells Fargo
Four alternatives
Bluevine, Chase Business Banking, Novo, RelayOne alternative
RelayFour alternatives
Chase Business Banking, Mercury, Wells Fargo, Wise BusinessTwo alternatives
Bluevine, NovoGLM 4.7 FlashXNovoMercury, RhoChangedAmerican Express Business CheckingNBKCno first choiceagainst: Bluevine, Chase Business Banking, Grasshopper, Kentland Federal Savings & Loan Association, Mercury, Metropolitan Capital Bank & Trust, Nano Banc, Rho, Small Business Bank, Tioga‑Franklin Savings Bank, Wells Fargo
Ten alternatives
Bank of America Business Advantage Fundamentals, Bluevine, Chase Business Banking, Found, HSBC Small Business Banking, Mercury, NorthOne, TD Business Digital, U.S. Bank, Wells FargoSix alternatives
Airwallex, Bill.com, Bluevine, Chase Business Banking, Helcim, StripeTen alternatives
Axos Bank Basic Business Checking, Bluevine, Capital One, Chase Business Banking, Lili, Mercury, Navy Federal Credit Union, Novo, Relay, Wells FargoThree alternatives
Axos Bank Basic Business Checking, Bluevine, NovoMiniMax M2.5BluevineMercuryChangedChase Business BankingBluevineno first choiceagainst: Regions Bank, Relay Bank, SafeCU, U.S. Bank, Wells Fargo
Four alternatives
Axos Bank Basic Business Checking, HSBC Small Business Banking Account, Mercury, NorthOneThree alternatives
Bluevine, Chase Business Banking, RampSix alternatives
Bluevine, Capital One, First Internet Bank, Grasshopper, Mercury, RelayFour alternatives
Azlo, Bank of America Business Fundamentals, Chase Business Banking, Local Credit UnionsGPT-6 LunaMercuryMercuryHeldRelayBluevineagainst: Chase Business Bankingno first choiceagainst: Evolve Bank & Trust, Mercury, Synapse Financial Technologies, TD Bank
Three alternatives
Bluevine, Chase Business Banking, RelayThree alternatives
Bluevine, Chase Business Banking, RelayThree alternatives
Bluevine, Chase Business Banking, MercuryTwo alternatives
Mercury, RelayMuse Glimmer 30BAmerican Express Business Checking, BluevineMercuryChangedMercuryAxos Bank Basic Business Checkingagainst: Mercuryno first choiceagainst: Axos Bank Basic Business Checking, Wells Fargo
Five alternatives
Axos Bank Basic Business Checking, Capital One, Chase Business Banking, Found, Mercury Free CheckingTwo alternatives
Brex, RelayFive alternatives
Bluevine, Brex, Found, Novo, Wise BusinessThree alternatives
Bluevine, NBKC, 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 09:48 | yes | 10 | 7 s |
| Direct recommendation | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 09:06 | yes | 3 | 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 10:24 | yes | 10 | 22 s |
| Direct recommendation | Perplexity Sonar | sonar | 2026-11-01 09:50 | yes | 10 | 4 s |
| Direct recommendation | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:32 | yes | 9 | 40 s |
| Direct recommendation | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 10:39 | yes | 5 | 5 s |
| Direct recommendation | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 10:45 | yes | 24 | 25 s |
| Direct recommendation | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 11:27 | yes | 5 | 2 s |
| Direct recommendation | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 10:57 | yes | 5 | 27 s |
| Direct recommendation | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 09:17 | yes | 15 | 29 s |
| Direct recommendation | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 11:14 | yes | 10 | 74 s |
| Direct recommendation | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 09:27 | yes | 5 | 37 s |
| Direct recommendation | GPT-6 Luna | gpt-6-luna | 2026-11-01 08:45 | yes | 5 | 15 s |
| Direct recommendation | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 08:59 | yes | 14 | 17 s |
| Paraphrase | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 11:35 | no | 0 | 5 s |
| Paraphrase | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 09:07 | yes | 5 | 4 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 09:49 | no | 0 | 13 s |
| Paraphrase | Perplexity Sonar | sonar | 2026-11-01 12:57 | yes | 10 | 3 s |
| Paraphrase | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:23 | yes | 5 | 29 s |
| Paraphrase | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 12:05 | yes | 5 | 3 s |
| Paraphrase | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 10:59 | yes | 24 | 28 s |
| Paraphrase | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 12:46 | yes | 10 | 4 s |
| Paraphrase | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 12:22 | yes | 5 | 25 s |
| Paraphrase | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 11:31 | yes | 14 | 39 s |
| Paraphrase | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 09:31 | yes | 25 | 30 s |
| Paraphrase | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 11:34 | yes | 5 | 30 s |
| Paraphrase | GPT-6 Luna | gpt-6-luna | 2026-11-01 12:05 | yes | 4 | 12 s |
| Paraphrase | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 09:23 | yes | 14 | 20 s |
| Comparative | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 12:04 | yes | 10 | 9 s |
| Comparative | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 08:43 | yes | 4 | 6 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 12:54 | no | 0 | 16 s |
| Comparative | Perplexity Sonar | sonar | 2026-11-01 10:05 | yes | 10 | 4 s |
| Comparative | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:13 | yes | 5 | 37 s |
| Comparative | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 09:33 | yes | 5 | 6 s |
| Comparative | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 10:55 | yes | 23 | 40 s |
| Comparative | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 12:59 | yes | 5 | 2 s |
| Comparative | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 10:40 | yes | 5 | 24 s |
| Comparative | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 09:39 | yes | 14 | 53 s |
| Comparative | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 12:18 | yes | 9 | 30 s |
| Comparative | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 12:21 | yes | 5 | 43 s |
| Comparative | GPT-6 Luna | gpt-6-luna | 2026-11-01 10:50 | yes | 7 | 17 s |
| Comparative | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 10:27 | yes | 15 | 30 s |
| Budget constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 12:17 | no | 0 | 4 s |
| Budget constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 12:43 | yes | 4 | 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 09:39 | yes | 6 | 16 s |
| Budget constrained | Perplexity Sonar | sonar | 2026-11-01 11:11 | yes | 10 | 3 s |
| Budget constrained | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:31 | yes | 5 | 34 s |
| Budget constrained | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 12:29 | yes | 5 | 5 s |
| Budget constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 11:12 | yes | 22 | 22 s |
| Budget constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 08:56 | yes | 5 | 3 s |
| Budget constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 10:34 | yes | 5 | 28 s |
| Budget constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 10:37 | yes | 15 | 30 s |
| Budget constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 08:53 | yes | 23 | 64 s |
| Budget constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 09:52 | no | 0 | 9 s |
| Budget constrained | GPT-6 Luna | gpt-6-luna | 2026-11-01 09:52 | yes | 5 | 11 s |
| Budget constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 09:25 | yes | 15 | 19 s |
| Scale constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 09:00 | no | 0 | 6 s |
| Scale constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 12:24 | no | 0 | 5 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 09:11 | no | 0 | 15 s |
| Scale constrained | Perplexity Sonar | sonar | 2026-11-01 08:59 | yes | 10 | 9 s |
| Scale constrained | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:29 | yes | 5 | 25 s |
| Scale constrained | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 09:13 | no | 0 | 7 s |
| Scale constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 09:01 | yes | 24 | 30 s |
| Scale constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 12:40 | yes | 5 | 2 s |
| Scale constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 11:06 | no | 0 | 26 s |
| Scale constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 09:47 | yes | 15 | 22 s |
| Scale constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 09:40 | yes | 10 | 53 s |
| Scale constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 09:04 | no | 0 | 36 s |
| Scale constrained | GPT-6 Luna | gpt-6-luna | 2026-11-01 12:08 | yes | 3 | 13 s |
| Scale constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 11:56 | yes | 15 | 25 s |
| Negative framing | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 09:14 | yes | 18 | 7 s |
| Negative framing | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 09:31 | 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 08:47 | yes | 7 | 19 s |
| Negative framing | Perplexity Sonar | sonar | 2026-11-01 10:15 | yes | 10 | 5 s |
| Negative framing | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:24 | yes | 14 | 28 s |
| Negative framing | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 12:33 | yes | 5 | 5 s |
| Negative framing | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 11:28 | yes | 25 | 34 s |
| Negative framing | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 10:43 | yes | 5 | 3 s |
| Negative framing | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 10:41 | yes | 24 | 77 s |
| Negative framing | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 09:22 | yes | 20 | 59 s |
| Negative framing | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 08:49 | yes | 25 | 28 s |
| Negative framing | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 10:16 | yes | 20 | 66 s |
| Negative framing | GPT-6 Luna | gpt-6-luna | 2026-11-01 11:09 | yes | 3 | 26 s |
| Negative framing | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 12:38 | yes | 25 | 25 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
Axos read as Axos Bank Basic Business Checking
Axos Bank 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 Business read as Chase Business Banking
Citi read as Citibank
Grasshopper Bank read as Grasshopper
JPMorgan Chase read as Chase Business Banking
Live Oak read as Live Oak Bank
NBKC Bank read as NBKC
PNC read as PNC Bank
Starling read as Starling Bank
Synapse read as Synapse Financial Technologies
nbkc Bank read as NBKC
Unresolved, counted raw
Azlo (Now Novo)
Bank of America Business Advantage Fundamentals™
Bank of America Business Fundamentals
Capital One Spark Business Checking
Charles Schwab (for business)
Chase Business Complete Banking™
GreenDot
HSBC Small Business Banking
Inwood National Bank
Kentland Federal Savings & Loan Association (Kentland, IN)
Lili Financial
Local Credit Unions
Metropolitan Capital Bank & Trust (Chicago)
Nano Banc (Irvine, CA)
Nexpay
Relay Bank
SafeCU (Credit Union)
Silicon Bank
Square Checking
Stripe Financial Connections
SunCoast Credit Union
TD Business Digital
Tioga‑Franklin Savings Bank (Philadelphia, PA)
Veritex Community Bank
Wells Fargo Business Advantage Checking
local Credit Union
Discontinued, still offered
No shut-down product was recommended here.