Real ChatGPT answer · index seedtk1pGw48vp4completeFinance and banking · small business bankingcommercial

I received a bad check from a customer at my farm stand. How quickly will my business bank reverse the credit and charge me a fee?

ChatGPTgpt-62 queries10/31/2026
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Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
I received a bad check from a customer at my farm stand. How quickly will my business bank reverse the credit and charge me a fee?
2 real searches · 1 real-search pass
U.S. bank deposited check returned unpaid how long reversal returned deposit item fee business account CFPB funds availabilityGoogle ↗
OBSERVEDReason
FDIC returned deposited check bank charge returned item fee business account timingGoogle ↗
OBSERVEDConsequence

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 / navigationalComparisonConsequence50%Reason50%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
U.S. bank deposited check returned unpaid how long reversal returned deposit item fee business account CFPB funds availability Google ↗
FDIC returned deposited check bank charge returned item fee business account timing Google ↗
  1. A check I deposited bounced. Am I liable for the entire amount? · helpwithmybank.gov
  2. Deposits & Withdrawals · federalreserveconsumerhelp.gov

Queries

2 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
U.S. bank deposited check returned unpaid how long reversal returned deposit item fee business account CFPB funds availability
OBSERVED
Google ↗
AI Mode ↗
—Reason——1x
of 1
FDIC returned deposited check bank charge returned item fee business account timing
OBSERVED
Google ↗
AI Mode ↗
—Consequence——1x
of 1