Real ChatGPT answer · index seedRCsz9xd2Yz4completeFinance and banking · checking and savings accountsinformational
What distinguishes a primary account holder from a joint owner regarding legal liability for overdrafts and negative balances?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What distinguishes a primary account holder from a joint owner regarding legal liability for overdrafts and negative balances?
1 real search · 1 real-search pass
U.S. joint bank account owners legal liability overdraft negative balance account agreement primary account holder joint ownerGoogle ↗
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 (1)
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
U.S. joint bank account owners legal liability overdraft negative balance account agreement primary account holder joint owner Google ↗
- Deposit Agreement and Disclosures · bankofamerica.com
- Your Deposit Account Agreement & Dual Disclosure Addendum · usbank.com
- Do both account holders need to agree to overdraft protection? · www2.helpwithmybank.gov
- 12 CFR § 205.17 - Requirements for overdraft services. | Electronic Code of Federal Regulations (e-CFR) | US Law · law.cornell.edu