Real ChatGPT answer · index seed8JKJ1UFjfXkcompleteFinance and banking · checking and savings accountscomparison

What are the joint account legal liability concerns for business partners using a shared savings account at Citibank

ChatGPTgpt-62 queries10/31/2026
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Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
What are the joint account legal liability concerns for business partners using a shared savings account at Citibank
2 real searches · 1 real-search pass
Citibank US deposit account agreement joint account owners each liable withdrawals right of survivorship savings account 2026Google ↗
OBSERVEDOther / navigational
New York law joint bank account business partners ownership funds joint account presumption statuteGoogle ↗
OBSERVEDReason

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 (2)
Short factOther / navigational50%ComparisonConsequenceReason50%DefinitionInstructionYes / no

Classes come from the query-classifier (a local Laya model). 2 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.

Searches and sources

ChatGPT2 real searches · gpt-6
Citibank US deposit account agreement joint account owners each liable withdrawals right of survivorship savings account 2026 Google ↗
New York law joint bank account business partners ownership funds joint account presumption statute Google ↗

Queries

2 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
Citibank US deposit account agreement joint account owners each liable withdrawals right of survivorship savings account 2026
OBSERVED
Google ↗
AI Mode ↗
—Other / navigational——1x
of 1
New York law joint bank account business partners ownership funds joint account presumption statute
OBSERVED
Google ↗
AI Mode ↗
—Reason——1x
of 1