Real ChatGPT answer · index seedaVsDN73guAwcompleteFinance and banking · small business bankinginformational

Could you explain how cash sweep accounts function with current high-yield business savings rates to maximize passive interest on our idle operating cash?

ChatGPTgpt-64 queries10/31/2026
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Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
Could you explain how cash sweep accounts function with current high-yield business savings rates to maximize passive interest on our idle operating cash?
4 real searches · 1 real-search pass
October 2026 high yield business savings account APY rates business savings accounts currentGoogle ↗
OBSERVEDComparison
FDIC deposit insurance business accounts sweep deposits pass-through insurance officialGoogle ↗
OBSERVEDReason
SEC money market mutual funds not FDIC insured liquidity risks official investor.govGoogle ↗
OBSERVEDConsequence
Treasury bill rates October 2026 4 week 13 week auction official TreasuryGoogle ↗
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 (4)
Short factOther / navigationalComparison25%Consequence25%Reason50%DefinitionInstructionYes / no

Classes come from the query-classifier (a local Laya model). 4 of 4 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.

Searches and sources

ChatGPT4 real searches · gpt-6
October 2026 high yield business savings account APY rates business savings accounts current Google ↗
FDIC deposit insurance business accounts sweep deposits pass-through insurance official Google ↗
SEC money market mutual funds not FDIC insured liquidity risks official investor.gov Google ↗
Treasury bill rates October 2026 4 week 13 week auction official Treasury Google ↗

Queries

4 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
October 2026 high yield business savings account APY rates business savings accounts current
OBSERVED
Google ↗
AI Mode ↗
—Comparison——1x
of 1
FDIC deposit insurance business accounts sweep deposits pass-through insurance official
OBSERVED
Google ↗
AI Mode ↗
—Reason——1x
of 1
SEC money market mutual funds not FDIC insured liquidity risks official investor.gov
OBSERVED
Google ↗
AI Mode ↗
—Consequence——1x
of 1
Treasury bill rates October 2026 4 week 13 week auction official Treasury
OBSERVED
Google ↗
AI Mode ↗
—Reason——1x
of 1