Real ChatGPT answer · index seedWchR4N5LPOQcompleteFinance and banking · checking and savings accountsinformational

Does FDIC insurance cover the money I have in both my checking account and my certificates of deposit at the exact same bank if the total is over the limit?

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

The searches the AI actually ran for this prompt.

SEED QUERY
Does FDIC insurance cover the money I have in both my checking account and my certificates of deposit at the exact same bank if the total is over the limit?
2 real searches · 1 real-search pass
FDIC insurance checking account certificates of deposit same bank ownership category aggregate $250,000 official FDICGoogle ↗
OBSERVEDComparison
FDIC insurance checking account certificates of deposit combined same bank ownership category $250,000 official FDICGoogle ↗
OBSERVEDComparison

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 / navigationalComparison100%ConsequenceReasonDefinitionInstructionYes / 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 insurance checking account certificates of deposit same bank ownership category aggregate $250,000 official FDIC Google ↗
FDIC insurance checking account certificates of deposit combined same bank ownership category $250,000 official FDIC Google ↗
  1. Deposit Insurance Estimator · edie.fdic.gov
  2. Deposit Insurance At A Glance · fdic.gov
  3. edie.fdic.gov · edie.fdic.gov

Queries

2 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
FDIC insurance checking account certificates of deposit same bank ownership category aggregate $250,000 official FDIC
OBSERVED
Google ↗
AI Mode ↗
—Comparison——1x
of 1
FDIC insurance checking account certificates of deposit combined same bank ownership category $250,000 official FDIC
OBSERVED
Google ↗
AI Mode ↗
—Comparison——1x
of 1