Real ChatGPT answer + Gemini simulation · index seedfxbd4Ae9rBIcompleteAI OverviewFinance and banking · checking and savings accountsinformational
What is the fastest way to verify my employer direct deposit information to ensure my paycheck lands in my new checking account instead of the old one
ChatGPTgpt-6Geminigemini-3.5-flash-lite3 passes + 1 real-search30 queries10/30/2026
Download run
Gemini unique queries
29
3 in ≥ half the passes · stability 37%
ChatGPT real searches predicted
0%
0 of 1 matched the simulation
Fan-out diagram
Seed → topic clusters → sub-queries, per model.
SEED QUERY
What is the fastest way to verify my employer direct deposit information to ensure my paycheck lands in my new checking account instead of the old one
29 unique queries · 3 passes
direct deposit change timeline
1 query · 2 hits
how long does direct deposit change take to process2xGoogle ↗
RELATED
employer payroll verification process
1 query · 2 hits
can hr verify direct deposit before payday2xGoogle ↗
IMPLICIT
direct deposit setup requirements
1 query · 2 hits
direct deposit authorization form template2xGoogle ↗
ENTITY EXPANSION
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. 29 queries are still being classified.
What the models actually searched
Each model answered the query with its own web search. These are the searches it ran, matched to the closest simulated query.
ChatGPT1 real searches · gpt-60% predicted
employer payroll direct deposit change verify account prenote payroll cutoff official guidance Google ↗
- Electronic Funds Transfer – Direct Deposit - Prenote Period and Notification of Change (NOC) · fmx.cpa.texas.gov
- How to switch your direct deposit · usbank.com
- Payroll Bulletin 2025-11 · doa.virginia.gov
- Direct Deposit · commercebank.com
Semantic map
Every query placed by meaning (EmbeddingGemma 2, 256-d). Shaded regions are topics, nearby points are near-paraphrases, and a circle's size is how often the query came back.
Colour
SimulatedReal search
Hover a query to see its counterpart · click a topic to focus it · zoom with Ctrl/⌘ + scroll, a pinch, double-click or +
Queries
29 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
how long does direct deposit change take to process RELATED | Google ↗ AI Mode ↗ | The user wants to know the timeline for when their direct deposit update will take effect. | — | faq_page | direct deposit change timeline | 2x of 3 | |
can hr verify direct deposit before payday IMPLICIT | Google ↗ AI Mode ↗ | The user wants to know if contacting human resources can provide early confirmation of the deposit change. | — | forum/qna | employer payroll verification process | 2x of 3 | |
direct deposit authorization form template ENTITY EXPANSION | Google ↗ AI Mode ↗ | The user wants to find a standard form format used to officially submit checking account information to employers. | — | pdf_whitepaper | direct deposit setup requirements | 2x of 3 | |
how to verify direct deposit switch with employer REFORMULATION | Google ↗ AI Mode ↗ | The user wants a direct restatement of the original query focusing on the core action of verifying a direct deposit switch. | — | how_to_steps | verifying direct deposit switch | 1x of 3 | |
how to verify direct deposit switch to new bank account REFORMULATION | Google ↗ AI Mode ↗ | Find clear instructions on confirming that a direct deposit change has been successfully processed. | — | how_to_steps | verifying direct deposit switch | 1x of 3 | |
how to change direct deposit to new bank account fast REFORMULATION | Google ↗ AI Mode ↗ | The user wants a direct and concise way to update their direct deposit information quickly. | — | how_to_steps | verifying direct deposit switch | 1x of 3 | |
how long does it take for direct deposit to update to new account RELATED | Google ↗ AI Mode ↗ | Understand the timeline and pay cycle delays associated with changing direct deposit information. | — | faq_page | direct deposit change timeline | 1x of 3 | |
pre-note test direct deposit meaning IMPLICIT | Google ↗ AI Mode ↗ | The user wants to understand what a pre-note is and how employers use it to test new bank accounts. | — | glossary/definition | direct deposit setup requirements | 1x of 3 | |
paycheck went to old closed bank account what happens IMPLICIT | Google ↗ AI Mode ↗ | Learn the recovery process if a direct deposit is accidentally sent to a deactivated account. | — | web_article | missing or misdirected paycheck recovery | 1x of 3 | |
what happens if direct deposit is set up while paycheck is processing IMPLICIT | Google ↗ AI Mode ↗ | The user wants to know what happens if they update their info right before payday. | — | web_article | missing or misdirected paycheck recovery | 1x of 3 | |
voided check vs direct deposit form for bank account verification COMPARATIVE | Google ↗ AI Mode ↗ | The user wants to compare the two most common methods of submitting banking details to an employer. | — | comparison_table | bank account verification details | 1x of 3 | |
prenotification note direct deposit meaning ENTITY EXPANSION | Google ↗ AI Mode ↗ | Understand what a prenote is during the direct deposit verification process. | — | glossary/definition | direct deposit setup requirements | 1x of 3 | |
voided check vs direct deposit form for payroll setup COMPARATIVE | Google ↗ AI Mode ↗ | The user wants to know whether they need a voided check or a direct deposit form from their bank. | — | comparison_table | employer payroll verification process | 1x of 3 | |
gusto workday adp direct deposit change verification ENTITY EXPANSION | Google ↗ AI Mode ↗ | The user wants to see how popular payroll software platforms handle direct deposit updates and confirmations. | — | faq_page | employer payroll verification process | 1x of 3 | |
how to split direct deposit between two bank accounts RELATED | Google ↗ AI Mode ↗ | Explore options for distributing a paycheck across multiple accounts. | — | how_to_steps | splitting direct deposit accounts | 1x of 3 | |
employer HR portal direct deposit change process ENTITY EXPANSION | Google ↗ AI Mode ↗ | The user wants to understand how typical HR software handles direct deposit updates. | — | checklist | employer payroll verification process | 1x of 3 | |
how to check if my paycheck went to the right bank account PERSONALIZED | Google ↗ AI Mode ↗ | The user wants to know how to confirm the destination of an incoming deposit on payday. | — | checklist | missing or misdirected paycheck recovery | 1x of 3 | |
gusto direct deposit change timing vs adp COMPARATIVE | Google ↗ AI Mode ↗ | Compare how different payroll software providers handle the speed of direct deposit updates. | — | comparison_table | direct deposit change timeline | 1x of 3 | |
how to verify direct deposit went to new account PERSONALIZED | Google ↗ AI Mode ↗ | The user wants a method to confirm that the bank switch was successful before payday. | — | forum/qna | verifying direct deposit switch | 1x of 3 | |
what to do if direct deposit went to old closed bank account RELATED | Google ↗ AI Mode ↗ | The user wants troubleshooting steps in case the direct deposit switch fails and funds go to the old account. | — | how_to_steps | missing or misdirected paycheck recovery | 1x of 3 | |
payroll direct deposit verification checklist REFORMULATION | Google ↗ AI Mode ↗ | Get a checklist of items needed to verify direct deposit info with HR. | — | checklist | employer payroll verification process | 1x of 3 | |
prenote period direct deposit meaning REFORMULATION | Google ↗ AI Mode ↗ | The user wants to understand the prenote verification test banks run for direct deposits. | — | glossary/definition | direct deposit setup requirements | 1x of 3 | |
can direct deposit be split between two accounts RELATED | Google ↗ AI Mode ↗ | The user wants to know if they can route part of their paycheck to an old account and part to a new one during transition. | — | faq_page | splitting direct deposit accounts | 1x of 3 | |
how to confirm routing and account number for direct deposit REFORMULATION | Google ↗ AI Mode ↗ | The user wants to make sure their newly entered bank routing and account numbers are completely accurate. | — | web_article | bank account verification details | 1x of 3 | |
what information is needed to set up direct deposit IMPLICIT | Google ↗ AI Mode ↗ | The user wants a checklist of bank details required by employers. | — | checklist | direct deposit setup requirements | 1x of 3 | |
checking account routing number vs wire routing number direct deposit ENTITY EXPANSION | Google ↗ AI Mode ↗ | Ensure the correct type of routing number is being used for standard ACH direct deposits. | — | web_article | bank account verification details | 1x of 3 | |
direct deposit sent to closed bank account what happens RELATED | Google ↗ AI Mode ↗ | The user wants to know the worst-case scenario if the paycheck goes to the old account. | — | web_article | missing or misdirected paycheck recovery | 1x of 3 | |
what to do if direct deposit hasn't arrived on payday IMPLICIT | Google ↗ AI Mode ↗ | Take immediate action steps when a paycheck fails to arrive on the expected date. | — | how_to_steps | missing or misdirected paycheck recovery | 1x of 3 | |
best practices for updating employee direct deposit securely PERSONALIZED | Google ↗ AI Mode ↗ | Learn secure methods to update banking info to avoid payroll fraud. | — | web_article | employer payroll verification process | 1x of 3 |
Passes
Does another pass still surface new queries? A flattening curve means the fan-out has stabilised.
Geminix = pass, y = cumulative unique queries
| Model | Pass | Target | Generated | Seconds | Tokens (in / out) | Notes |
|---|---|---|---|---|---|---|
| gemini-3.5-flash-lite | 1 | 10 | 10 | — | 929 / 1,228 | |
| gemini-3.5-flash-lite | 2 | 10 | 10 | — | 929 / 1,243 | |
| gemini-3.5-flash-lite | 3 | 12 | 12 | — | 929 / 1,413 |