Real ChatGPT answer · index seed0flTC2wrqqUcompleteFinance and banking · checking and savings accountscommercial

Is my entire graduation savings fund protected by FDIC insurance if I have more than two hundred fifty thousand dollars across multiple accounts at the same digital bank?

ChatGPTgpt-61 query10/31/2026
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Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
Is my entire graduation savings fund protected by FDIC insurance if I have more than two hundred fifty thousand dollars across multiple accounts at the same digital bank?
1 real search · 1 real-search pass
FDIC deposit insurance limit $250,000 per depositor per insured bank ownership category multiple accounts fintech digital bank pass-through coverage official FDICGoogle ↗
OBSERVEDDefinition

Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.

Query classes

Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.

ChatGPT real searches (1)
Short factOther / navigationalComparisonConsequenceReasonDefinition100%InstructionYes / no

Classes come from the query-classifier (a local Laya model). 1 of 1 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.

Searches and sources

ChatGPT1 real searches · gpt-6
FDIC deposit insurance limit $250,000 per depositor per insured bank ownership category multiple accounts fintech digital bank pass-through coverage official FDIC Google ↗

Queries

1 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
FDIC deposit insurance limit $250,000 per depositor per insured bank ownership category multiple accounts fintech digital bank pass-through coverage official FDIC
OBSERVED
Google ↗
AI Mode ↗
—Definition——1x
of 1