Real ChatGPT answer · index seedjhbVJKSmBMIcompleteFinance and banking · checking and savings accountsinformational
How do banks account for pending debit card authorizations when calculating the ledger balance versus the available balance for monthly fee waiver thresholds?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How do banks account for pending debit card authorizations when calculating the ledger balance versus the available balance for monthly fee waiver thresholds?
2 real searches · 1 real-search pass
bank pending debit card authorization available balance ledger balance monthly maintenance fee waiver minimum balance calculation posted balance average daily balance policyGoogle ↗
OBSERVED
CFPB debit card authorization hold available balance current balance pending transaction bank accountGoogle ↗
OBSERVED
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.
Classifying 2 queries…
Searches and sources
ChatGPT2 real searches · gpt-6
bank pending debit card authorization available balance ledger balance monthly maintenance fee waiver minimum balance calculation posted balance average daily balance policy Google ↗
CFPB debit card authorization hold available balance current balance pending transaction bank account Google ↗
- CONSUMER FINANCIAL PROTECTION BUREAU · files-prod.consumerfinance.gov
- Supervisory Guidance on Charging Overdraft Fees for Authorize Positive, Settle Negative Transactions · fdic.gov
- Overdraft Protection Programs: Risk Management Practices · occ.gov
- Account Activity Questions · wellsfargo.com
- Account Activity – Checking Online · wellsfargo.com
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
bank pending debit card authorization available balance ledger balance monthly maintenance fee waiver minimum balance calculation posted balance average daily balance policy OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
CFPB debit card authorization hold available balance current balance pending transaction bank account OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |