Real ChatGPT answer · index seedt5cm15Bdw1IcompleteFinance and banking · checking and savings accountscomparison

How does the FDIC pass through insurance work for brokerage sweep accounts and checking accounts if a mid-size bank fails today

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

The searches the AI actually ran for this prompt.

SEED QUERY
How does the FDIC pass through insurance work for brokerage sweep accounts and checking accounts if a mid-size bank fails today
3 real searches · 1 real-search pass
FDIC pass-through deposit insurance brokerage sweep accounts recordkeeping requirements 2026 official FDICGoogle ↗
OBSERVEDOther / navigational
FDIC failed bank deposit insurance payout timing insured deposits transfer bridge bank 2026 official FDICGoogle ↗
OBSERVEDReason
FDIC deposit insurance sweep accounts same bank aggregation depositor ownership category official FDICGoogle ↗
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 (3)
Short factOther / navigational33%ComparisonConsequenceReason67%DefinitionInstructionYes / 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
FDIC pass-through deposit insurance brokerage sweep accounts recordkeeping requirements 2026 official FDIC Google ↗
FDIC failed bank deposit insurance payout timing insured deposits transfer bridge bank 2026 official FDIC Google ↗
FDIC deposit insurance sweep accounts same bank aggregation depositor ownership category official FDIC Google ↗

Queries

3 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
FDIC pass-through deposit insurance brokerage sweep accounts recordkeeping requirements 2026 official FDIC
OBSERVED
Google ↗
AI Mode ↗
—Other / navigational——1x
of 1
FDIC failed bank deposit insurance payout timing insured deposits transfer bridge bank 2026 official FDIC
OBSERVED
Google ↗
AI Mode ↗
—Reason——1x
of 1
FDIC deposit insurance sweep accounts same bank aggregation depositor ownership category official FDIC
OBSERVED
Google ↗
AI Mode ↗
—Reason——1x
of 1