Real ChatGPT answer · index seeduQy4q9QGa8McompleteFinance and banking · checking and savings accountscomparison
Looking at TD Bank versus Citizens Bank for a basic checking account, which one is more lenient on ChexSystems history if I was denied an account elsewhere due to a past unpaid overdraft fee?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Looking at TD Bank versus Citizens Bank for a basic checking account, which one is more lenient on ChexSystems history if I was denied an account elsewhere due to a past unpaid overdraft fee?
4 real searches · 1 real-search pass
TD Bank checking account ChexSystems policy second chance checking unpaid overdraft history 2026Google ↗
OBSERVEDReason
Citizens Bank checking account ChexSystems policy second chance checking unpaid overdraft history 2026Google ↗
OBSERVEDReason
TD Bank Essential Banking account eligibility ChexSystems deposit account screeningGoogle ↗
OBSERVEDYes / no
Citizens Bank One Deposit checking account ChexSystems eligibility account denialGoogle ↗
OBSERVEDYes / no
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 (4)
Classes come from the query-classifier (a local Laya model). 3 of 4 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT4 real searches · gpt-6
TD Bank checking account ChexSystems policy second chance checking unpaid overdraft history 2026 Google ↗
Citizens Bank checking account ChexSystems policy second chance checking unpaid overdraft history 2026 Google ↗
TD Bank Essential Banking account eligibility ChexSystems deposit account screening Google ↗
Citizens Bank One Deposit checking account ChexSystems eligibility account denial Google ↗
- TD Essential Banking & Savings Bundle · td.com
- Open a Checking Account Online · td.com
- Does TD Bank Use ChexSystems? · crediful.com
- Does Citizens Bank Use ChexSystems? · crediful.com
- Why was I denied a checking account? · consumerfinance.gov
- What is a second-chance bank account and who is it for? · consumerfinance.gov
Queries
4 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
TD Bank checking account ChexSystems policy second chance checking unpaid overdraft history 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
Citizens Bank checking account ChexSystems policy second chance checking unpaid overdraft history 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
TD Bank Essential Banking account eligibility ChexSystems deposit account screening OBSERVED | Google ↗ AI Mode ↗ | — | Yes / no | — | — | 1x of 1 | |
Citizens Bank One Deposit checking account ChexSystems eligibility account denial OBSERVED | Google ↗ AI Mode ↗ | — | Yes / no | — | — | 1x of 1 |