Business banking · September 2026 Edition
U.S. Bank vs Bank of America
Zero of twelve models named U.S. Bank first on the direct prompt; one named Bank of America. U.S. Bank was named by eight of the twelve models and Bank of America by twelve and U.S. Bank carries 16 labels and Bank of America 27, so the shares are not directly comparable.
Named in three categories this edition.
Named in three categories this edition.
First-choice share2%2%Of first choices across the direct, paraphrase, budget and scale prompts, 0 to 100.
Negative rate6%22%Negative labels as a share of the product's labels, 0 to 100.
Rank in category#7#8A position in a field of 13; printed, not drawn.
Labels1627A count; the two differ.
The two percentage rows are drawn on one 0 to 100 track, U.S. Bank 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 U.S. Bank · Mercury vs Bank of America · Bluevine vs U.S. Bank
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.
U.S. BankFirst choices, of twelve modelsBank of America
Direct01
Paraphrase00
Comparative01
Budget-constrained10
Scale-constrained00
Negative001 against U.S. Bank · 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.
Every model, every framing
The seventy-two answers behind the chart above, one cell each: where U.S. Bank 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 | | |
U.S. Bank Bank of America first choice named as an alternative argued againstblank: not namedEach cell is one answer, U.S. Bank on the left and Bank of America on the right.The direct prompt
The plain question, one answer per model, grouped by where U.S. Bank and Bank of America stood in it.
Bank of America first, U.S. Bank not the choice
1 of 12 modelsU.S. Bank 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
5 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
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.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
Kimi K2Chase Business Banking, Mercury alternatives: Brex, First Internet Bank
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
Level: the same share of first choices.
U.S. Bank0%#– of 11Bank of America0%#10 of 11Mid-marketThe figures above
Level: the same share of first choices.
U.S. Bank2%#7 of 13Bank of America2%#8 of 13Enterprise
Level: the same share of first choices.
U.S. Bank2%#– of 11Bank of America2%#7 of 11What 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
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 U.S. BankMercury vs Bank of AmericaBluevine vs U.S. BankBluevine vs Bank of AmericaChase Business Banking vs U.S. BankChase Business Banking vs Bank of AmericaRho vs U.S. BankRho vs Bank of AmericaBrex vs U.S. BankBrex vs Bank of AmericaNovo vs U.S. BankNovo 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.