Real ChatGPT answer · index seednmEL5EYf9qYcompleteFinance and banking · budgeting and savingcommercial

Can you give me a step by step guide on how to switch our family savings from a traditional brick and mortar bank to an online high yield account like SoFi

ChatGPTgpt-63 queries10/31/2026
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Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
Can you give me a step by step guide on how to switch our family savings from a traditional brick and mortar bank to an online high yield account like SoFi
3 real searches · 1 real-search pass
SoFi high yield savings account current APY requirements FDIC insurance joint account 2026 officialGoogle ↗
OBSERVEDOther / navigational
FDIC deposit insurance standard maximum $250,000 per depositor per insured bank ownership category officialGoogle ↗
OBSERVEDDefinition
CFPB switching bank accounts direct deposit automatic payments checklistGoogle ↗
OBSERVEDInstruction

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 (3)
Short factOther / navigational33%ComparisonConsequenceReasonDefinition33%Instruction33%Yes / no

Classes come from the query-classifier (a local Laya model). 3 of 3 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.

Searches and sources

ChatGPT3 real searches · gpt-6
SoFi high yield savings account current APY requirements FDIC insurance joint account 2026 official Google ↗
FDIC deposit insurance standard maximum $250,000 per depositor per insured bank ownership category official Google ↗
CFPB switching bank accounts direct deposit automatic payments checklist Google ↗

Queries

3 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
SoFi high yield savings account current APY requirements FDIC insurance joint account 2026 official
OBSERVED
Google ↗
AI Mode ↗
—Other / navigational——1x
of 1
FDIC deposit insurance standard maximum $250,000 per depositor per insured bank ownership category official
OBSERVED
Google ↗
AI Mode ↗
—Definition——1x
of 1
CFPB switching bank accounts direct deposit automatic payments checklist
OBSERVED
Google ↗
AI Mode ↗
—Instruction——1x
of 1