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. 57 first choices recorded across the direct, paraphrase, budget and scale prompts, fourteen models each.
Standing · first-choice share
35%
Contested · Bluevine 16%
35Mercury16Bluevine11Novo39others
35% of first choices, contested.
Since September 2026▼−3Since September 2026: 33% → 31%, −3 points. Inside the 10-point floor: within noise. Read over the models both editions asked.Mercury held the lead, −3 points on 33%, 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
Mercury35%Contested▼−3Since September 2026: 33% → 31%, −3 points. Inside the 10-point floor: within noise. Read over the models both editions asked.This pageMid-marketMercury23%Contested▲+7Since September 2026: 20% → 27%, +7 points. Inside the 10-point floor: within noise. Read over the models both editions asked.Standing →Enterprise
Rho19%Contested=heldSince September 2026: 20% → 20%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.Standing →
Mercury35%Contested▼−3Since September 2026: 33% → 31%, −3 points. Inside the 10-point floor: within noise. Read over the models both editions asked.This pageMid-marketMercury23%Contested▲+7Since September 2026: 20% → 27%, +7 points. Inside the 10-point floor: within noise. Read over the models both editions asked.Standing →EnterpriseRho19%Contested=heldSince September 2026: 20% → 20%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.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 September 2026
01Mercury35%11%53endorsed leader▼−3Since September 2026: 33% → 31%, −3 points. Inside the 10-point floor: within noise. Read over the models both editions asked.33% → 31%
Mercury35%11%53endorsed leader▼−3Since September 2026: 33% → 31%, −3 points. Inside the 10-point floor: within noise. Read over the models both editions asked.33% → 31%02
Bluevine16%12%48accepted challenger▼−11Since September 2026: 25% → 14%, −11 points. Past the 10-point floor: movement. Read over the models both editions asked.25% → 14%
Bluevine16%12%48accepted challenger▼−11Since September 2026: 25% → 14%, −11 points. Past the 10-point floor: movement. Read over the models both editions asked.25% → 14%03
Novo11%17%35accepted challenger=heldSince September 2026: 12% → 12%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.12% → 12%
Novo11%17%35accepted challenger=heldSince September 2026: 12% → 12%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.12% → 12%04
Relay9%10%39accepted challenger▲+2Since September 2026: 6% → 8%, +2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.6% → 8%
Relay9%10%39accepted challenger▲+2Since September 2026: 6% → 8%, +2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.6% → 8%05
Chase Business Banking4%21%38accepted challenger=heldSince September 2026: 4% → 4%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.4% → 4%
Chase Business Banking4%21%38accepted challenger=heldSince September 2026: 4% → 4%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.4% → 4%06
Brex4%5%20accepted challenger=heldSince September 2026: 4% → 4%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.4% → 4%
Brex4%5%20accepted challenger=heldSince September 2026: 4% → 4%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.4% → 4%07
American Express Business Checking4%8%13accepted challenger▲+4Since September 2026: 0% → 4%, +4 points. Inside the 10-point floor: within noise. Read over the models both editions asked.0% → 4%
American Express Business Checking4%8%13accepted challenger▲+4Since September 2026: 0% → 4%, +4 points. Inside the 10-point floor: within noise. Read over the models both editions asked.0% → 4%08Rho2%0%12accepted challenger=heldSince September 2026: 2% → 2%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.2% → 2%
Rho2%0%12accepted challenger=heldSince September 2026: 2% → 2%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.2% → 2%09
U.S. Bank2%9%11accepted challenger▲+2Since September 2026: 0% → 2%, +2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.0% → 2%
U.S. Bank2%9%11accepted challenger▲+2Since September 2026: 0% → 2%, +2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.0% → 2%Show the three products at 0%, ordered by negative rate
12
Wells Fargo0%67%15criticized challenger=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.0% → 0%
Wells Fargo0%67%15criticized challenger=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.0% → 0%11
Bank of America0%38%24criticized challenger=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.0% → 0%
Bank of America0%38%24criticized challenger=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.0% → 0%10
Wise Business0%8%12accepted challenger=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.0% → 0%
Wise Business0%8%12accepted challenger=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.0% → 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 is noise, and both are shown. Movement is read over the twelve models both editions asked; GPT-6 Luna, Muse Glimmer 30B joined this edition and are in the standing but not yet in the comparison. 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.
Head to head
All twenty-eight head-to-head pages: the top eight products, each against each
Mercury vs Chase Business BankingMercury vs Bank of AmericaMercury vs BrexMercury vs RelayRho vs BluevineRho vs NovoRho vs Chase Business BankingRho vs Bank of AmericaRho vs BrexRho vs RelayBluevine vs NovoBluevine vs Chase Business BankingBluevine vs Bank of AmericaBluevine vs BrexBluevine vs RelayNovo vs Chase Business BankingNovo vs Bank of AmericaNovo vs BrexNovo vs RelayChase Business Banking vs Bank of AmericaChase Business Banking vs BrexChase Business Banking vs RelayBank of America vs BrexBank of America vs RelayBrex vs Relay
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 →
010203040506070809101112Accepted challengerEndorsed leader
0%First-choice share → · lines at 30% share and 25% negative50%
Key
01Mercury35%
Mercury35%02Bluevine16%
Bluevine16%03Novo11%
Novo11%04Relay9%
Relay9%05Chase Business Banking4%
Chase Business Banking4%06Brex4%
Brex4%07American Express Business Checking4%
American Express Business Checking4%08Rho2%
Rho2%09U.S. Bank2%
U.S. Bank2%10Wise Business0%
Wise Business0%11Bank of America0%
Bank of America0%12Wells 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 4.1 Fast, 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.
Wells Fargo67%
10 of 15 labels negative · 9 of 14 models · 5 hard negative
“one of the most frequently flagged banks for small business banking issues... "F" rating from the BBB” DeepSeek V4 Flash, negative prompt
Bank of America38%
9 of 24 labels negative · 8 of 14 models · 4 hard negative
“only 1.14/5 stars on BBB and 1.4/5 on Trustpilot, with many complaints about customer service, account freezes” Mistral Small, negative prompt
Chase Business Banking21%
8 of 38 labels negative · 7 of 14 models · 4 hard negative
“High monthly service charges, limited free business‑checking options, and a relatively large share of fee‑related complaints” MiniMax M2.5, negative prompt
Bluevine12%
6 of 48 labels negative · 6 of 14 models · 2 hard negative
“Frequent reports of sudden account holds ... ~44 % of negatives are about closures.” MiniMax M2.5, negative prompt
What they cite
Citations exist only for the models that return a source list: fourteen of the fourteen in this edition, and all six flagship models on the expanded tier.
Sites the answers cite
78 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. 1013 links across 197 sites, every framing counted. Ranked by the number of answers carrying the site or page. 12 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.
48 answers · 76 citations · 12 models
vendor site · Airwallex35 answers · 45 citations · 12 models
vendor site · Brex34 answers · 44 citations · 12 models
31 answers · 62 citations · 11 models
28 answers · 36 citations · 9 models
vendor site · Bluevine26 answers · 39 citations · 10 models
vendor site · Bank of America26 answers · 29 citations · 10 models
25 answers · 25 citations · 10 models
22 answers · 32 citations · 8 models
vendor site · Mercury20 answers · 24 citations · 11 models
19 answers · 25 citations · 9 models
vendor site · Found19 answers · 22 citations · 12 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.
26 answers · 11 models
25 answers · 10 models
25 answers · 10 models
22 answers · 9 models
20 answers · 7 models
19 answers · 8 models
17 answers · 9 models
16 answers · 11 models
16 answers · 5 models
16 answers · 8 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 | 35% | 179 | 368,000 | 130,988 | 301,244 | $284,811 | 25 | 5 |
| Bluevine bluevine.com | 16% | 104 | 74,000 | 990 | 79,464 | $113 | 120 | 3 |
| Novo novo.co | 11% | 56 | 49,500 | 10,752 | 48,117 | $22,187 | 8 | |
| Relay relayfi.com | 9% | 86 | 90,500 | 68,685 | 96,775 | 120 | ||
| Chase chase.com Chase Business Banking 4% | 4% | 111 | 6,120,000 | 327,918 | 52,427,131 company | $69,752 | 119 | |
| Brex brex.com | 4% | 640 | 60,500 | 1,190 | 328,914 | $12,238 | 81 | 7 |
| American Express americanexpress.com American Express Business Checking 4% | 4% | 27 | 3,350,000 | 23,185 | 22,105,127 company | $20,307 | 119 | |
| Amex's Business Checking | 4% | |||||||
| Rho rho.co | 2% | 90 | 74,000 | 7,366 | 182,562 | $416 | 2 | |
| U.S. Bank usbank.com | 2% | 37 | 3,350,000 | 32,385 | 21,547,254 | $38,387 | 52 | 8 |
Google's top ten for the three searches hold 24 sites; 7 of them are among the sites the models cited here (airwallex.com, bluevine.com, brex.com, business.bankofamerica.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 4.5Bluevine Premier Business Checkingno first choiceChangedagainst: First Republic, Silicon Valley BankLiliAmerican Express Business Checkingno first choiceagainst: Citibank, Small Business Bank, Wio
Three alternatives
Chase Business Banking, Grasshopper, NovoTwo alternatives
Brex, MercuryFive alternatives
Bluevine, Chase Business Banking, Mercury, Relay, RhoFour alternatives
Bluevine, Brex, Lili, NovoGPT-5.4 miniChase Business Bankingagainst: Wells FargoMercuryChangedno first choiceBluevineagainst: Bank of Americano first choicenothing named
Two alternatives
Bank of America, Chase Performance Business CheckingTwo alternatives
Brex, RelayEight alternatives
Bank of America, Bluevine, Capital One, Chase Business Banking, Mercury, NBKC, Relay, Wells FargoTwo alternatives
Chase Business Banking, Wells FargoGemini 3.5 FlashMercuryMercuryHeldRelayNovono first choiceagainst: Bank of America, Evolve Bank & Trust, Revolut Business, Tide, Wells Fargo, Wise Business
Five alternatives
Airwallex, Bluevine, Chase Business Banking, Relay, Wise BusinessThree alternatives
Brex, Relay, RhoFour alternatives
Bluevine, Chase Business Banking, Mercury, NovoThree alternatives
Bluevine, Relay, U.S. Bank Silver Business CheckingPerplexity SonarRhoMercuryChangedRelayagainst: NovoBluevineagainst: American Express Business Checkingno first choicenothing named
Two alternatives
American Express Business Checking, Bank of America Business Advantage FundamentalsTwo alternatives
Brex, Chase Business BankingFour alternatives
American Express Business Checking, Bluevine, Found, MercuryTwo alternatives
Grasshopper Innovator Business Checking, MercuryGrok 4.1 FastBluevine, Novoagainst: Chase Business BankingMercuryChangedBluevine, RelayMercury, Novoagainst: Bank of America, Chase Business Bankingno first choiceagainst: Bank of America, Bluevine, Capital One Basic Checking, Found, HSBC, Mercury, Novo, Relay, Wells Fargo
Five alternatives
American Express Business Checking, Mercury, Starling Bank, Tide, Wise BusinessFive alternatives
Bluevine, Brex, Novo, Ramp, RelayFour alternatives
Chase Business Banking, Lili, Mercury, NovoSeven alternatives
Bluevine, Mettle, Relay, Starling Bank, Tide, U.S. Bank, Virgin Money M BusinessFive alternatives
Bank of America, Bluevine, Chase Business Banking, Mercury, U.S. BankMistral SmallAxos Bank Basic Business Checking, U.S. BankBrexChangedRelayAmerican Express Business Checking, Brexno first choiceagainst: Bank of America, Capital One, Mercury, Novo, Small Business Bank, Wells Fargo
Two alternatives
Airwallex, Bank of AmericaThree alternatives
Airwallex, Bluevine, Chase Business BankingNine alternatives
Axos Bank, Bank of America, Bluevine, Chase Business Banking, Lili, Slash, U.S. Bank, Wells Fargo, Wise BusinessDeepSeek V4 FlashMercuryMercuryHeldRamp, RelayFound, NovoBluevine, Mercury, Novo, Relayagainst: Bluevine, Found, Lili, Mercury Bank, Novo, Square, Wells Fargo
Three alternatives
Brex, Chase Performance Business Checking, NovoThree alternatives
Bluevine, Relay, RhoSix alternatives
Bank of America, Bluevine, Brex, Chase Business Banking, Mercury, NovoFour alternatives
American Express® Business Checking, Bluevine, Lili, RelayFour alternatives
Bank of America, Chase Business Banking, TD Bank, U.S. BankLlama 4 MaverickAmex's Business CheckingMercuryChangedno first choiceAmex's Business Checkingno first choicenothing named
One alternative
Bank of America's No-Fee Business Checking AccountFour alternatives
Bluevine, Brex, Rho, Silicon Valley BankTwo alternatives
Found, MercuryQwen 3.7 FlashChase Business BankingMercuryChangedNovo, RhoNBKC, U.S. Bank Business Essentials Checkingno first choiceagainst: Aspire, Bank of America, Bluevine, Braintree, Chase Business Banking, Citibank, Fundbox, Kabbage, LendUp, MoneyGram, Novo, PayPal, Square, Stripe, Wells Fargo, Western Union
Two alternatives
Bank of America, U.S. Bank Business Essentials CheckingTwo alternatives
Chase Business Banking, RelayTwo alternatives
Capital One, Wells FargoTwo alternatives
Bluevine, Capital OneTwo alternatives
Mercury, RelayKimi K2RelayMercuryChangedMercuryagainst: Wells FargoBluevine, Relayno first choiceagainst: Bank of America, Bluevine, Chase Business Banking, Mercury, Relay, Wells Fargo
Four alternatives
KeyBank Business Rewards Checking, Mercury, Novo, Wise BusinessThree alternatives
Ramp, Relay, Wise BusinessThree alternatives
Chase Business Banking, Relay, Wise BusinessThree alternatives
Lili, Mercury, U.S. BankGLM 4.7 FlashXBluevine, MercuryAirwallexChangedMercuryNovo, Relayno first choiceagainst: Bank of America, Chase Business Banking, SSB Bank, Small Business Bank, Stearns Bank, U.S. Bank, Wells Fargo
Three alternatives
Airwallex, Brex, U.S. BankFive alternatives
American Express Business Checking, Bluevine, Found, Mercury, NovoFour alternatives
Bluevine, Brex, Chase Business Banking, RelayFour alternatives
American Express Business Checking, Bluevine, North One, U.S. BankMiniMax M2.5KeyBank Business Rewards Checking, MercuryMercuryChangedMercuryBluevineno first choiceagainst: Bank of America, Bluevine, Bread Financial, Brex, CAN Capital, Capital One, Chase Business Banking, Citibank, Fundbox, Kabbage, Mercury, PNC Bank, PayPal Working Capital, Rapid Finance, Relay, Square Capital, Synchrony Financial, Wells Fargo
Three alternatives
Bluevine, Chase Business Banking, RelayThree alternatives
Chase Business Banking, Novo, RhoThree alternatives
Bluevine, Brex, Wise BusinessFour alternatives
American Express® Business Checking, Axos Bank, Capital One, NovoGPT-6 LunaMercuryMercuryHeldMercury, RelayBluevineagainst: Chase Business Bankingno first choiceagainst: Choice Financial Group, Evolve Bank & Trust, Mercury, Synapse Financial Technologies
Two alternatives
Chase Business Banking, RelayOne alternative
RelayThree alternatives
American Express Business Checking, Bluevine, Chase Business BankingOne alternative
RelayMuse Glimmer 30BBluevine, MercuryMercuryChangedagainst: NovoRelayMercury, Relayno first choiceagainst: Barclays, Bluevine, Chase Business Banking, Mercury, NatWest, PNC Bank, Relay, SquareUp, Tide, WellsFargo
Three alternatives
American Express Business Checking, Bank of America, Chase Business BankingTwo alternatives
Brex, RhoFour alternatives
Brex, Mercury, Novo, Wise BusinessFour alternatives
American Express Business Checking, Capital One, Novo, Square Checking & Square SavingsBold 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. Full answer text is in the free responses file. Download the record
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 | 2026-10-01 08:42 | yes | 9 | 8 s |
| Direct recommendation | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 10:14 | yes | 4 | 5 s |
| Direct recommendation | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 07:40 | yes | 15 | 23 s |
| Direct recommendation | Perplexity Sonar | sonar | 2026-10-01 10:14 | yes | 21 | 4 s |
| Direct recommendation | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 09:17 | yes | 20 | 15 s |
| Direct recommendation | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 11:20 | yes | 16 | 7 s |
| Direct recommendation | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 09:48 | yes | 21 | 34 s |
| Direct recommendation | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 07:57 | yes | 5 | 1 s |
| Direct recommendation | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 07:56 | yes | 5 | 40 s |
| Direct recommendation | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 09:45 | yes | 15 | 28 s |
| Direct recommendation | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 07:55 | yes | 17 | 81 s |
| Direct recommendation | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 11:22 | yes | 11 | 33 s |
| Direct recommendation | GPT-6 Luna | gpt-6-luna | 2026-10-01 10:15 | yes | 3 | 13 s |
| Direct recommendation | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 10:42 | yes | 15 | 24 s |
| Paraphrase | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 10:01 | no | 0 | 7 s |
| Paraphrase | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 09:54 | yes | 5 | 6 s |
| Paraphrase | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 08:13 | yes | 10 | 22 s |
| Paraphrase | Perplexity Sonar | sonar | 2026-10-01 07:42 | yes | 24 | 3 s |
| Paraphrase | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 09:58 | yes | 22 | 9 s |
| Paraphrase | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 08:55 | yes | 5 | 5 s |
| Paraphrase | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 08:52 | yes | 21 | 27 s |
| Paraphrase | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 08:59 | yes | 5 | 4 s |
| Paraphrase | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 10:05 | yes | 5 | 42 s |
| Paraphrase | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 08:48 | yes | 25 | 24 s |
| Paraphrase | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 10:13 | yes | 14 | 32 s |
| Paraphrase | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 09:48 | yes | 10 | 48 s |
| Paraphrase | GPT-6 Luna | gpt-6-luna | 2026-10-01 10:34 | yes | 3 | 13 s |
| Paraphrase | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 10:35 | yes | 14 | 22 s |
| Comparative | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 09:48 | yes | 9 | 8 s |
| Comparative | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 09:09 | yes | 6 | 8 s |
| Comparative | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 08:50 | yes | 17 | 24 s |
| Comparative | Perplexity Sonar | sonar | 2026-10-01 10:26 | yes | 22 | 4 s |
| Comparative | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 09:41 | yes | 25 | 9 s |
| Comparative | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 10:16 | yes | 7 | 8 s |
| Comparative | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 10:31 | yes | 21 | 41 s |
| Comparative | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 08:03 | yes | 5 | 1 s |
| Comparative | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 11:13 | yes | 5 | 28 s |
| Comparative | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 08:07 | yes | 15 | 33 s |
| Comparative | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 10:43 | yes | 23 | 76 s |
| Comparative | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 11:27 | yes | 13 | 30 s |
| Comparative | GPT-6 Luna | gpt-6-luna | 2026-10-01 10:24 | yes | 6 | 29 s |
| Comparative | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 11:14 | yes | 13 | 30 s |
| Budget constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 08:31 | yes | 9 | 8 s |
| Budget constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 09:07 | yes | 4 | 5 s |
| Budget constrained | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 08:29 | yes | 14 | 18 s |
| Budget constrained | Perplexity Sonar | sonar | 2026-10-01 09:58 | yes | 21 | 4 s |
| Budget constrained | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 10:45 | yes | 22 | 11 s |
| Budget constrained | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 11:11 | yes | 5 | 3 s |
| Budget constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 07:37 | yes | 18 | 24 s |
| Budget constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 10:25 | yes | 5 | 2 s |
| Budget constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 09:36 | yes | 9 | 25 s |
| Budget constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 09:43 | yes | 9 | 14 s |
| Budget constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 09:38 | yes | 19 | 120 s |
| Budget constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 10:09 | yes | 5 | 16 s |
| Budget constrained | GPT-6 Luna | gpt-6-luna | 2026-10-01 07:50 | yes | 4 | 20 s |
| Budget constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 09:03 | yes | 14 | 20 s |
| Scale constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 08:04 | no | 0 | 6 s |
| Scale constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 10:02 | no | 0 | 9 s |
| Scale constrained | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 10:45 | no | 0 | 14 s |
| Scale constrained | Perplexity Sonar | sonar | 2026-10-01 09:15 | yes | 21 | 4 s |
| Scale constrained | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 11:08 | yes | 14 | 9 s |
| Scale constrained | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 08:13 | no | 0 | 7 s |
| Scale constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 09:55 | yes | 18 | 39 s |
| Scale constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 08:00 | yes | 5 | 2 s |
| Scale constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 10:07 | yes | 5 | 20 s |
| Scale constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 11:08 | yes | 19 | 26 s |
| Scale constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 07:45 | yes | 14 | 15 s |
| Scale constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 08:33 | yes | 5 | 14 s |
| Scale constrained | GPT-6 Luna | gpt-6-luna | 2026-10-01 10:35 | yes | 3 | 16 s |
| Scale constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 09:40 | yes | 13 | 26 s |
| Negative framing | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 08:58 | yes | 18 | 7 s |
| Negative framing | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 08:48 | yes | 6 | 6 s |
| Negative framing | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 10:38 | yes | 19 | 22 s |
| Negative framing | Perplexity Sonar | sonar | 2026-10-01 10:45 | yes | 20 | 4 s |
| Negative framing | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 08:13 | yes | 22 | 13 s |
| Negative framing | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 10:14 | yes | 20 | 13 s |
| Negative framing | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 10:31 | yes | 25 | 33 s |
| Negative framing | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 08:56 | yes | 5 | 10 s |
| Negative framing | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 10:15 | no | 0 | 35 s |
| Negative framing | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 09:13 | yes | 24 | 30 s |
| Negative framing | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 08:39 | yes | 22 | 41 s |
| Negative framing | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 11:18 | yes | 10 | 52 s |
| Negative framing | GPT-6 Luna | gpt-6-luna | 2026-10-01 07:40 | yes | 5 | 36 s |
| Negative framing | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 10:57 | yes | 15 | 22 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
Axos read as Axos Bank
Bank of America Business Advantage read as Bank of America
Chase read as Chase Business Banking
Chase Business read as Chase Business Banking
Citi read as Citibank
Grasshopper Bank read as Grasshopper
NBKC Bank read as NBKC
PNC read as PNC Bank
Synapse read as Synapse Financial Technologies
Unresolved, counted raw
American Express® Business Checking
Bank of America's No-Fee Business Checking Account
Bluevine Standard checking
Bread Financial
CAN Capital
Capital One Basic Checking
Chase, Bank of America, or Wells Fargo
Community banks and credit unions
Grasshopper Innovator Business Checking
Key, Huntington, and other established regional banks
LendUp
Mercury Bank
NBKC Bank Free Business Checking Account
North One
Piermont Bank
Rapid Finance
Regions
SSB Bank
Square Capital
Square Checking & Square Savings
SquareUp (Square)
Stearns Bank
Synchrony Financial
Virgin Money M Business
WellsFargo
Wio
Discontinued, still offered
No shut-down product was recommended here.