Business banking · September 2026 Edition
Mercury vs Bank of America
One of twelve models named Mercury first on the direct prompt; one named Bank of America. Both were named by all twelve models and Mercury carries 43 labels and Bank of America 27, so the shares are not directly comparable.
Named in seven categories this edition.
Named in three categories this edition.
First-choice share20%2%Of first choices across the direct, paraphrase, budget and scale prompts, 0 to 100.
Negative rate7%22%Negative labels as a share of the product's labels, 0 to 100.
Rank in category#1#8A position in a field of 13; printed, not drawn.
Labels4327A count; the two differ.
The two percentage rows are drawn on one 0 to 100 track, Mercury reading right to left. Rank and label count are printed, not drawn.Chase Business Banking was named alongside these two in nine of the twelve direct answers. Mercury vs Bluevine · Mercury vs Chase Business Banking · Mercury vs Rho
Share is the count of first choices across the direct, paraphrase, budget and scale prompts over all twelve 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 twelve models made each the first choice, per way of asking, and how many argued against it.
MercuryFirst choices, of twelve modelsBank of America
Direct11
Paraphrase70
Comparative21
Budget-constrained001 against Mercury
Scale-constrained00
Negative102 against Mercury · 6 against Bank of America
Bars are first choices, 0 to 12 each sideModels that argued againstA model can name both, so the two sides of a row do not sum to twelve.
Across every category in the September 2026 Edition, Mercury and Bank of America were named in the same answer fifty-four times, of the 175 answers naming Mercury and the 89 naming Bank of America. In those answers Bank of America took the first choice two times and Mercury ten.
Every model, every framing
The seventy-two answers behind the chart above, one cell each: where Mercury and Bank of America 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 | | |
Mercury Bank of America first choice named as an alternative argued againstblank: not namedEach cell is one answer, Mercury on the left and Bank of America on the right.The direct prompt
The plain question, one answer per model, grouped by where Mercury and Bank of America stood in it.
Mercury first, Bank of America not the choice
1 of 12 modelsBank of America was named in the answer but not as the choice, or not at all.Kimi K2Chase Business Banking, Mercury alternatives: Brex, First Internet Bank
Bank of America first, Mercury not the choice
1 of 12 modelsMercury was named in the answer but not as the choice, or not at all.Grok 4.1 FastBank of America, Chase Business Banking alternatives: Brex, PNC Bank, Rho
Neither was the first choice, one was named
4 of 12 modelsThe answer put something else first and named one of the two as an alternative.GPT-5.4 miniChase Business Banking alternatives: Bank of America, TD Bank, U.S. Bank
Gemini 3.5 FlashRho alternatives: Bank of America, Brex, Chase Business Banking, Fifth Third Bank, Mercury, PNC Bank
DeepSeek V4 FlashBrex alternatives: Bank of America, Chase Business Banking, HSBC, Mercury, Relay, U.S. Bank, Wells Fargo
MiniMax M2.5Chase Business Banking alternatives: Airwallex, Bank of America, Barclays, HSBC, Mercury, NatWest, Rho, Silicon Valley Bank, Wells Fargo
Neither was named
6 of 12 modelsThe answer made no first choice from these two in this category.Claude Haiku 4.5Brex alternatives: Airwallex, Chase Business Banking, U.S. Bank
Perplexity SonarRho alternatives: Bluevine, Brex, Relay
Mistral SmallAxos Bank, PNC Bank alternatives: First Internet Bank, Revolut Business, Wise Business
Llama 4 Maverickno first choice
Qwen 3.7 FlashBluevine alternatives: Airwallex, Chase Business Banking, Relay
GLM 4.7 FlashXChase Business Banking alternatives: Airwallex, Qonto, 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
Mercury leads by thirty-three points.
Mercury33%#1 of 11Bank of America0%#10 of 11Mid-marketThe figures above
Mercury leads by eighteen points.
Mercury20%#1 of 13Bank of America2%#8 of 13Enterprise
Mercury leads by seven points.
Mercury9%#4 of 11Bank of America2%#7 of 11What the models said about Mercury
Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Six of seven in this category shown.
“Frequent account freezes/closure, slow support, funds held 60+ days | 15.4 negative reviews/month (4x industry average)” DeepSeek V4 Flash · negative prompt · hard negative
“neobanks (such as Mercury, Bluevine, or Novo) rely heavily on automated fraud-detection algorithms” Gemini 3.5 Flash · negative prompt · soft negative
“does not support physical branches or cash deposits” Perplexity Sonar · budget prompt · soft negative
“I'd usually recommend Mercury if your priority is a modern, startup-friendly banking platform” GPT-5.4 mini · paraphrase prompt · first choice
“For most mid-market B2B companies today, Mercury or Chase are the safest starting points” Kimi K2 · direct prompt · first choice
“Mercury, which is considered the best overall digital business banking platform for startups” Llama 4 Maverick · paraphrase prompt · first choice
What the models said about Bank of America
Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Five of six in this category shown.
“Bank of America has the most complaints of any bank in the U.S., with customers reporting poor customer service, long wait times, excessive fees” Claude Haiku 4.5 · negative prompt · hard negative
“128k+ complaints, A- BBB but high unresolved issues (e.g., frozen funds, payment delays, account closures)” Grok 4.1 Fast · negative prompt · hard negative
“Relationship banking, SME/mid-market leader ... Recent Greenwich surveys rank Chase/BofA/JPM high for mid-market trust/service.” Grok 4.1 Fast · direct prompt · first choice
“stick to Chase or Bank of America” Gemini 3.5 Flash · comparative prompt · first choice
“Best if you need broad branch access and a familiar commercial platform: Bank of America Cash Management / CashPro” GPT-5.4 mini · direct prompt · alternative
Also compared
Mercury vs BluevineMercury vs Chase Business BankingMercury vs RhoMercury vs BrexMercury vs NovoMercury vs U.S. BankBluevine vs Bank of AmericaChase Business Banking vs Bank of AmericaRho vs Bank of AmericaBrex vs Bank of AmericaNovo vs Bank of AmericaU.S. Bank 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.