Real ChatGPT answer · index seedQzhYkbNy9B4completeFinance and banking · checking and savings accountscommercial

What is the catch with high yield savings accounts offering over four percent interest and are my deposits safe there.

ChatGPTgpt-62 queries10/31/2026
Download run

Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
What is the catch with high yield savings accounts offering over four percent interest and are my deposits safe there.
2 real searches · 1 real-search pass
FDIC deposit insurance $250,000 per depositor per insured bank ownership category official FDIC savings account fintech pass-through insuranceGoogle ↗
OBSERVEDDefinition
CFPB high yield savings account variable interest rate fees online savings account consumer guidanceGoogle ↗
OBSERVEDOther / navigational

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%ComparisonConsequenceReasonDefinition50%InstructionYes / 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
FDIC deposit insurance $250,000 per depositor per insured bank ownership category official FDIC savings account fintech pass-through insurance Google ↗
CFPB high yield savings account variable interest rate fees online savings account consumer guidance Google ↗

Queries

2 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
FDIC deposit insurance $250,000 per depositor per insured bank ownership category official FDIC savings account fintech pass-through insurance
OBSERVED
Google ↗
AI Mode ↗
—Definition——1x
of 1
CFPB high yield savings account variable interest rate fees online savings account consumer guidance
OBSERVED
Google ↗
AI Mode ↗
—Other / navigational——1x
of 1