Business banking · October 2026 Edition
Bank of America vs Relay
Two of fourteen models named Bank of America first on the direct prompt; zero named Relay. Bank of America was named by thirteen of the fourteen models and Relay by fourteen and Bank of America carries 36 labels and Relay 26, so the shares are not directly comparable.
Named in two categories this edition.
Named in two categories this edition.
First-choice share4%4%Of first choices across the direct, paraphrase, budget and scale prompts, 0 to 100.
Negative rate19%27%Negative labels as a share of the product's labels, 0 to 100.
Rank in category#6#8A position in a field of 14; printed, not drawn.
Labels3626A count; the two differ.
The two percentage rows are drawn on one 0 to 100 track, Bank of America reading right to left. Rank and label count are printed, not drawn.Mercury vs Bank of America · Mercury vs Relay · Rho vs Bank of America
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.
Bank of AmericaFirst choices, of fourteen modelsRelay
Direct20
Paraphrase001 against Bank of America · 1 against Relay
Comparative20
Budget-constrained022 against Bank of America
Scale-constrained001 against Bank of America
Negative003 against Bank of America · 6 against Relay
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.
Across every category in the October 2026 Edition, Bank of America and Relay were named in the same answer twenty-seven times, of the 109 answers naming Bank of America and the 88 naming Relay. In those answers Relay took the first choice four times and Bank of America one.
Every model, every framing
The eighty-four answers behind the chart above, one cell each: where Bank of America and Relay 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 4.1 Fast | | | | | | |
| 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 | | |
Bank of America Relay first choice named as an alternative argued againstblank: not namedEach cell is one answer, Bank of America on the left and Relay on the right.The direct prompt
The plain question, one answer per model, grouped by where Bank of America and Relay stood in it.
Bank of America first, Relay not the choice
2 of 14 modelsRelay was named in the answer but not as the choice, or not at all.DeepSeek V4 FlashBank of America, Chase Business Banking alternatives: Capital One
Muse Glimmer 30BBank of America, Chase Business Banking
Neither was the first choice, one was named
8 of 14 modelsThe answer put something else first and named one of the two as an alternative.Claude Haiku 4.5Chase Business Banking alternatives: Bluevine Premier Business Checking, KeyBank, Relay
GPT-5.4 miniJ.P. Morgan Commercial Banking alternatives: Bank of America, Wells Fargo Commercial Banking
Gemini 3.5 FlashRho alternatives: Bank of America, Brex, Chase Business Banking, Mercury, Ramp
Grok 4.1 FastChase Business Banking alternatives: Bank of America, Capital One
Qwen 3.7 FlashRamp alternatives: Aspire, Bank of America, Chase Business Banking, Mercury, Oxygen Banking
Kimi K2Chase Performance Business Checking alternatives: Brex, Mercury, Relay
GLM 4.7 FlashXMercury alternatives: Airwallex, Bank of America, Brex, Chase Business Banking
GPT-6 LunaJ.P. Morgan Commercial Banking alternatives: Bank of America, Citibank, U.S. Bank
Neither was named
4 of 14 modelsThe answer made no first choice from these two in this category.Perplexity SonarRho alternatives: Airwallex, Brex, Capital One Enhanced Checking
Mistral SmallCapital One alternatives: PNC Bank Treasury Enterprise Plan, Truist Bank, Wells Fargo
Llama 4 Maverickno first choice
MiniMax M2.5PNC Bank alternatives: Capital One, First Internet Bank, Rho, Wise Business
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
Relay leads by nine points.
Relay9%#4 of 12Bank of America0%#11 of 12Mid-marketThe figures above
Level: the same share of first choices.
Bank of America4%#6 of 14Relay4%#8 of 14Enterprise
The order flips: Bank of America leads at enterprise.
Bank of America8%#4 of 11Relay2%#8 of 11What the models said about Bank of America
Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Six of eight in this category shown.
“Widely criticized by small businesses for high monthly fees and rigid compliance requirements.” Gemini 3.5 Flash · negative prompt · hard negative
“Long holds on business deposits (7+ days), payment issues, account freezes, poor support.” Grok 4.1 Fast · negative prompt · hard negative
“BOA sees a high volume of CFPB complaints regarding account closures.” Qwen 3.7 Flash · negative prompt · hard negative
“Bank of America Global Commercial Banking with Business Advantage checking and CashPro treasury services for dedicated commercial relationship coverage.” Muse Glimmer 30B · direct prompt · first choice
“Chase and Bank of America are the banks most cited for businesses that need branch access.” Muse Glimmer 30B · comparative prompt · first choice
“Go with JPMorgan Chase or Bank of America as your primary bank.” DeepSeek V4 Flash · direct prompt · first choice
What the models said about Relay
Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Six of eight in this category shown.
“51% of negatives related to account closures — the highest closure complaint ratio of any provider studied” DeepSeek V4 Flash · negative prompt · hard negative
“Elevated issues (13.3 negatives/month), 51% involving closures/freezes—tops the list for this problem.” Grok 4.1 Fast · negative prompt · hard negative
“Relay | 13.3 negative reviews/month | Account closures (51% of complaints)” Kimi K2 · negative prompt · hard negative
“For most companies with limited budgets, Mercury or Relay are excellent choices” Kimi K2 · budget prompt · first choice
“Mercury and Relay are standout choices for businesses with limited budgets” Mistral Small · budget prompt · first choice
“Relay has features that benefit midsize businesses and fast-growing startups, with no monthly fees and strong expense management tools.” Claude Haiku 4.5 · direct prompt · alternative
Also compared
Mercury vs Bank of AmericaMercury vs RelayRho vs Bank of AmericaRho vs RelayBluevine vs Bank of AmericaBluevine vs RelayNovo vs Bank of AmericaNovo vs RelayChase Business Banking vs Bank of AmericaChase Business Banking vs RelayBank of America vs BrexBrex vs RelayAll 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.