Real ChatGPT answer · index seedYqunH1VgLzMcompleteFinance and banking · small business bankinginformational
Are funds held in online-only business checking accounts like American Express insured by the FDIC up to the standard limits just like traditional banks?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Are funds held in online-only business checking accounts like American Express insured by the FDIC up to the standard limits just like traditional banks?
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
American Express Business Checking FDIC insurance $250,000 deposits official Google ↗
FDIC deposit insurance business accounts per depositor per bank ownership category official Google ↗
- AMERICAN EXPRESS BUSINESS CHECKING · americanexpress.com
- American Express Company (via Public) / Quarterly Report for Quarter Ending March 31, 2026 (Form 10-Q) · ebs.publicnow.com
- Deposit Insurance FAQs · fdic.gov
- OWNERSHIP CATEGORIES · fdic.gov
- FDIC deposit insurance calculator · edie.fdic.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
American Express Business Checking FDIC insurance $250,000 deposits official OBSERVED | Google ↗ AI Mode ↗ | — | Short fact | — | — | 1x of 1 | |
FDIC deposit insurance business accounts per depositor per bank ownership category official OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |