Real ChatGPT answer · index seednNCTky3sa5wcompleteFinance and banking · checking and savings accountsinformational
What is the math behind choosing an interest checking account versus keeping my money in a separate high yield savings account to maximize returns?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What is the math behind choosing an interest checking account versus keeping my money in a separate high yield savings account to maximize returns?
1 real search · 1 real-search pass
interest checking account APY balance caps requirements high yield savings APY how APY calculated FDIC consumer guidanceGoogle ↗
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
interest checking account APY balance caps requirements high yield savings APY how APY calculated FDIC consumer guidance Google ↗
- High-Yield Checking Accounts: · fdic.gov
- High-Yield Checking Accounts: Know the Rules · fdic.gov
- Appendix A to Part 1030 — Annual Percentage Yield Calculation · consumerfinance.gov
- The Fed · federalreserve.gov
- VI-3 Truth in Savings · fdic.gov
- Background and Summary of Regulation DD · federalreserve.gov
- Q: What is a deposit account disclosure? · ask.fdic.gov