Finance AI Index
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Business banking · September 2026 Edition

Novo vs U.S. Bank

Zero of twelve models named Novo first on the direct prompt; zero named U.S. Bank. Novo was named by eleven of the twelve models and U.S. Bank by eight and Novo carries 19 labels and U.S. Bank 16, so the shares are not directly comparable.

Novo

accepted challenger

Named in one category this edition.

U.S. Bank

accepted challenger

Named in three categories this edition.

First-choice share5%2%Of first choices across the direct, paraphrase, budget and scale prompts, 0 to 100.
Negative rate5%6%Negative labels as a share of the product's labels, 0 to 100.
Rank in category#6#7A position in a field of 13; printed, not drawn.
Labels1916A count; the two differ.
The two percentage rows are drawn on one 0 to 100 track, Novo 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 Novo · Mercury vs U.S. Bank · Bluevine vs Novo

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.
NovoFirst choices, of twelve modelsU.S. Bank
Direct00
Paraphrase00
Comparative10
Budget-constrained21
Scale-constrained00
Negative001 against Novo · 1 against U.S. Bank
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, Novo and U.S. Bank were named in the same answer eleven times, of the 52 answers naming Novo and the 32 naming U.S. Bank. In those answers U.S. Bank took the first choice one time and Novo three.

Every model, every framing

The seventy-two answers behind the chart above, one cell each: where Novo and U.S. Bank stood in it.
ModelDirectParaphraseComparativeBudget-constrainedScale-constrainedNegative
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
Novo U.S. Bank first choice named as an alternative argued againstblank: not namedEach cell is one answer, Novo on the left and U.S. Bank on the right.

The direct prompt

The plain question, one answer per model, grouped by where Novo and U.S. Bank stood in it.

Neither was the first choice, one was named

3 of 12 modelsThe answer put something else first and named one of the two as an alternative.
Claude Haiku 4.5Brex alternatives: Airwallex, Chase Business Banking, U.S. Bank
GPT-5.4 miniChase Business Banking alternatives: Bank of America, TD Bank, U.S. Bank
DeepSeek V4 FlashBrex alternatives: Bank of America, Chase Business Banking, HSBC, Mercury, Relay, U.S. Bank, Wells Fargo

Neither was named

9 of 12 modelsThe answer made no first choice from these two in this category.
Gemini 3.5 FlashRho alternatives: Bank of America, Brex, Chase Business Banking, Fifth Third Bank, Mercury, PNC Bank
Perplexity SonarRho alternatives: Bluevine, Brex, Relay
Grok 4.1 FastBank of America, Chase Business Banking alternatives: Brex, PNC Bank, Rho
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
Kimi K2Chase Business Banking, Mercury alternatives: Brex, First Internet Bank
GLM 4.7 FlashXChase Business Banking alternatives: Airwallex, Qonto, Wise Business
MiniMax M2.5Chase Business Banking alternatives: Airwallex, Bank of America, Barclays, HSBC, Mercury, NatWest, Rho, Silicon Valley Bank, Wells Fargo

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
Novo leads by twelve points.
Novo12%#3 of 11
U.S. Bank0%#– of 11
The full small business standing →
Mid-marketThe figures above
Novo leads by two points.
Novo5%#6 of 13
U.S. Bank2%#7 of 13
The full mid-market standing →
Enterprise
The order flips: U.S. Bank leads at enterprise.
U.S. Bank2%#– of 11
Novo0%#– of 11
The full enterprise standing →

What the models said about Novo

Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Four of five in this category shown.

“neobanks (such as Mercury, Bluevine, or Novo) rely heavily on automated fraud-detection algorithms” Gemini 3.5 Flash · negative prompt · soft negative
“Novo: Best for Simple, 100% Fee-Free Banking ... Choose Novo if you want an all-around free account with great integrations and ATM fee refunds.” Gemini 3.5 Flash · budget prompt · first choice
“Start with Bluevine or Novo—open online in minutes with EIN/SSN.” Grok 4.1 Fast · budget prompt · first choice
“For US solos: Novo/Bluevine.” Grok 4.1 Fast · comparative prompt · first choice

What the models said about U.S. Bank

Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Four of four in this category shown.

“Caution: Accused of opening unauthorized accounts, rated poorly across review platforms” Kimi K2 · negative prompt · soft negative
“U.S. Bank Business Essentials stands out as one of the only free business checking accounts offered by a big brick-and-mortar bank” Claude Haiku 4.5 · budget prompt · first choice
“expands on basic business options, offering the ability to grow money through money market accounts and CDs” Claude Haiku 4.5 · direct prompt · alternative
“Best if you're in U.S. Bank's middle-market sweet spot: U.S. Bank Commercial Banking” GPT-5.4 mini · direct prompt · alternative
Also compared

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.