Real ChatGPT answer · index seedQyy3xdoyhPMcompleteFinance and banking · checking and savings accountscommercial
What are the legal implications regarding overdraft debt liability when closing a joint checking account with a former business partner?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What are the legal implications regarding overdraft debt liability when closing a joint checking account with a former business partner?
3 real searches · 1 real-search pass
Ohio law joint bank account holders liability overdraft negative balance account agreement joint and several liabilityGoogle ↗
OBSERVEDConsequence
Ohio Revised Code joint deposit account liability bank overdraft account owners statuteGoogle ↗
OBSERVEDReason
CFPB joint bank account overdraft responsibility closing account negative balanceGoogle ↗
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 (3)
Classes come from the query-classifier (a local Laya model). 3 of 3 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT3 real searches · gpt-6
Ohio law joint bank account holders liability overdraft negative balance account agreement joint and several liability Google ↗
Ohio Revised Code joint deposit account liability bank overdraft account owners statute Google ↗
CFPB joint bank account overdraft responsibility closing account negative balance Google ↗
- Section 1304.30 - Ohio Revised Code · codes.ohio.gov
- Erie Community Fed. Credit Union v. Hunter :: 2009 :: Ohio Court of Appeals, Sixth District Decisions :: Ohio Case Law :: Ohio Law :: U.S. Law :: Justia · law.justia.com
- Can I close my account whenever I want? · consumerfinance.gov
- Consumer Financial Protection Circular 2023-02: Reopening deposit accounts that consumers previously closed · consumerfinance.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Ohio law joint bank account holders liability overdraft negative balance account agreement joint and several liability OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
Ohio Revised Code joint deposit account liability bank overdraft account owners statute OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
CFPB joint bank account overdraft responsibility closing account negative balance OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |