Real ChatGPT answer · index seedk9y8Cj16npIcompleteFinance and banking · checking and savings accountsinformational
How does mobile check deposit work on banking apps, and why is my check sometimes placed on a multi day hold?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How does mobile check deposit work on banking apps, and why is my check sometimes placed on a multi day hold?
1 real search · 1 real-search pass
US mobile check deposit funds availability holds Regulation CC mobile deposit bank explanation CFPB OCCGoogle ↗
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 (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.
Searches and sources
ChatGPT1 real searches · gpt-6
US mobile check deposit funds availability holds Regulation CC mobile deposit bank explanation CFPB OCC Google ↗
- How long can a bank or credit union hold funds I deposited? · consumerfinance.gov
- The Fed · federalreserve.gov
- Are there exceptions to the funds availability schedule? · helpwithmybank.gov
- I made a large deposit. When will the funds be available? · helpwithmybank.gov
- Deposits & Withdrawals · federalreserveconsumerhelp.gov
- Checking Accounts: Understanding Your Rights · occ.gov