Real ChatGPT answer · index seednyjjuFS9UqIcompleteFinance and banking · small business bankinginformational

Does setting up direct deposit through my local credit union cost less than using national payroll providers like Gusto?

ChatGPTgpt-62 queries10/31/2026
Download run

Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
Does setting up direct deposit through my local credit union cost less than using national payroll providers like Gusto?
2 real searches · 1 real-search pass
Gusto payroll pricing 2026 Simple plan Plus plan base monthly per employeeGoogle ↗
OBSERVEDComparison
credit union business ACH origination payroll direct deposit fees business account MichiganGoogle ↗
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 / navigationalComparison50%ConsequenceReason50%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
Gusto payroll pricing 2026 Simple plan Plus plan base monthly per employee Google ↗
credit union business ACH origination payroll direct deposit fees business account Michigan Google ↗
  1. Gusto Pricing, Plans & Fees (2026) · gusto.com
  2. Business Banking Fees · unitedfcu.com
  3. Associated Credit Union · acuonline.org
  4. Business ACH Origination · americafirst.com
  5. ACH Payroll and Payment · fccu.org

Queries

2 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
Gusto payroll pricing 2026 Simple plan Plus plan base monthly per employee
OBSERVED
Google ↗
AI Mode ↗
—Comparison——1x
of 1
credit union business ACH origination payroll direct deposit fees business account Michigan
OBSERVED
Google ↗
AI Mode ↗
—Reason——1x
of 1