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

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

| | First-choice share | Rank | Negative rate | Labels | Models naming it |
|---|---|---|---|---|---|
| Novo | 10% | #4 of 14 | 5% | 22 | 11 of 14 |
| Chase Business Banking | 8% | #5 of 14 | 27% | 44 | 13 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)
- 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
- Kimi K2: neither named (first choices: Chase Performance Business Checking) (alternatives: Brex, Mercury, Relay)
- 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 Novo

- "Online platforms like Novo or Lili are great for lean startups, but they lack a physical branch presence." (Gemini 3.5 Flash, negative prompt, soft negative)
- "Zero-cost digital first: Novo or American Express Business Checking if you want 100% free with no minimums and no fees on ACH/wires." (Muse Glimmer 30B, budget prompt, first choice)
- "Opt for established options like Novo, Lili, or traditional banks (e.g., Wells Fargo) with fewer closure complaints." (Grok 4.1 Fast, negative prompt, first choice)
- "If you want a simple, fee‑free online account: Go with Novo, Bluevine, or Lili." (GLM 4.7 FlashX, budget prompt, first choice)

## 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)

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.