Real ChatGPT answer · index seedJMHZU3fLoTYcompleteFinance and banking · checking and savings accountsinformational
Why did my bank charge a non-sufficient funds fee when I used my debit card for a small purchase even though I thought I had opt out protection enabled
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Why did my bank charge a non-sufficient funds fee when I used my debit card for a small purchase even though I thought I had opt out protection enabled
2 real searches · 1 real-search pass
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)
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
CFPB overdraft fees debit card opt in one time debit card transactions NSF fees bank guidance Google ↗
CFPB banks NSF fees declined debit card transactions authorization settlement overdraft opt in rule Google ↗
- § 1005.17 Requirements for overdraft services. · consumerfinance.gov
- Consumer Financial Protection Circular 2024-05: Improper Overdraft Opt-In Practices · consumerfinance.gov
- Consumer Financial Protection Circular 2022-06: Unanticipated overdraft fee assessment practices · consumerfinance.gov
- Consumer Financial Protection Bureau’s Official Staff Commentary on Regulation E · federalreserve.gov
- CFPB · consumerfinance.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
CFPB overdraft fees debit card opt in one time debit card transactions NSF fees bank guidance OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
CFPB banks NSF fees declined debit card transactions authorization settlement overdraft opt in rule OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |