Real ChatGPT answer · index seediua15CFv65EcompleteFinance and banking · checking and savings accountsinformational

Am I legally responsible for overdrafts if my estranged spouse drains our joint checking account today?

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

The searches the AI actually ran for this prompt.

SEED QUERY
Am I legally responsible for overdrafts if my estranged spouse drains our joint checking account today?
2 real searches · 1 real-search pass
Connecticut statutes joint deposit account liability overdraft bank account joint ownersGoogle ↗
OBSERVEDConsequence
Connecticut joint bank account overdraft liability joint account holder overdraft fees lawGoogle ↗
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 (2)
Short factOther / navigationalComparisonConsequence50%Reason50%DefinitionInstructionYes / 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
Connecticut statutes joint deposit account liability overdraft bank account joint owners Google ↗
Connecticut joint bank account overdraft liability joint account holder overdraft fees law Google ↗
  1. Article 4 · cga.ct.gov
  2. Chapter 665a · cga.ct.gov
  3. drbank.com · drbank.com

Queries

2 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
Connecticut statutes joint deposit account liability overdraft bank account joint owners
OBSERVED
Google ↗
AI Mode ↗
—Consequence——1x
of 1
Connecticut joint bank account overdraft liability joint account holder overdraft fees law
OBSERVED
Google ↗
AI Mode ↗
—Reason——1x
of 1