# Chase Business Banking vs Relay: which do AI models recommend for business banking, October 2026

Finance AI Recommendation Index, October 2026 Edition, Business banking. Four of fourteen models named Chase Business Banking first on the direct prompt; zero named Relay. Page: https://finance-ai-index.com/treasury/business-banking/chase-business-banking-vs-relay/

| | First-choice share | Rank | Negative rate | Labels | Models naming it |
|---|---|---|---|---|---|
| Chase Business Banking | 8% | #5 of 14 | 27% | 44 | 13 of 14 |
| Relay | 4% | #8 of 14 | 27% | 26 | 14 of 14 |

## The direct prompt, model by model

- Claude Haiku 4.5: chase business banking first (first choices: Chase Business Banking) (alternatives: Bluevine Premier Business Checking, KeyBank, Relay)
- Grok 4.1 Fast: chase business banking first (first choices: Chase Business Banking) (alternatives: Bank of America, Capital One)
- DeepSeek V4 Flash: chase business banking first (first choices: Bank of America, Chase Business Banking) (alternatives: Capital One)
- Muse Glimmer 30B: chase business banking first (first choices: Bank of America, Chase Business Banking)
- Gemini 3.5 Flash: neither first, one named (first choices: Rho) (alternatives: Bank of America, Brex, Chase Business Banking, Mercury, Ramp)
- Qwen 3.7 Flash: neither first, one named (first choices: Ramp) (alternatives: Aspire, Bank of America, Chase Business Banking, Mercury, Oxygen Banking)
- Kimi K2: neither first, one named (first choices: Chase Performance Business Checking) (alternatives: Brex, Mercury, Relay)
- GLM 4.7 FlashX: neither first, one named (first choices: Mercury) (alternatives: Airwallex, Bank of America, Brex, Chase Business Banking)
- GPT-5.4 mini: neither named (first choices: J.P. Morgan Commercial Banking) (alternatives: Bank of America, Wells Fargo Commercial Banking)
- Perplexity Sonar: neither named (first choices: Rho) (alternatives: Airwallex, Brex, Capital One Enhanced Checking)
- Mistral Small: neither named (first choices: Capital One) (alternatives: PNC Bank Treasury Enterprise Plan, Truist Bank, Wells Fargo)
- Llama 4 Maverick: neither named
- MiniMax M2.5: neither named (first choices: PNC Bank) (alternatives: Capital One, First Internet Bank, Rho, Wise Business)
- GPT-6 Luna: neither named (first choices: J.P. Morgan Commercial Banking) (alternatives: Bank of America, Citibank, U.S. Bank)

## What the models said about Chase Business Banking

- "Trustpilot reviewers frequently mention poor phone support and unexplained account freezes." (Mistral Small, negative prompt, hard negative)
- "Reports of abrupt business account restrictions/closures without warning or clear reasons" (Grok 4.1 Fast, negative prompt, hard negative)
- "Avoid traditional banks like Chase/BofA if budget-tight" (Grok 4.1 Fast, budget prompt, hard negative)
- "Chase Business Complete Banking offers one of the largest branch networks in the country, making it suitable for mid-sized businesses that value physical branch access." (Claude Haiku 4.5, direct prompt, first choice)
- "JPMorgan Chase Middle Market Banking with Chase Performance/Platinum Business Checking for integrated treasury, payments and fraud controls, or" (Muse Glimmer 30B, direct prompt, first choice)
- "Need lots of cash deposits or in-person banking? Choose a big bank like Chase, BofA, or Wells Fargo." (GPT-5.4 mini, comparative prompt, first choice)

## What the models said about Relay

- "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)

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. Comparisons are drawn for the top eight products in each category. Published under CC BY 4.0; the output is the models' output, and nothing here is a recommendation by the index.