Certificates of Deposits AI Visibility Ranking Trends - November 2026

Answer capsule

The November 2026 Certificates of Deposits benchmark compares 10 companies across 128 AI answers that met its inclusion rules. American Express, Morgan Stanley share the lead with 11 recommendations each (8.59% of answers). At least one tracked company was recommended in 19 answers; some answers recommended several companies.

The rankings distinguish being mentioned from receiving an affirmative recommendation, then examine placement and the wording used about each company. Earlier monthly results show how counts and rates changed, with each month using its own answer total. These results describe the answers reviewed, not product quality or customer satisfaction. Differences between monthly samples limit comparisons and do not establish why a result changed.

For the strategic interpretation of this benchmark, read CiteWorks Studio's analysis of How AI Search Is Recommending Certificates of Deposits

Industry leaderboard

Questions This Section Answers

• How do Certificates of Deposits rank by recorded AI recommendations in November 2026?

The leaderboard orders companies by how many recorded answers affirmatively recommended them. American Express and Morgan Stanley share the top count, so the ranking shows a tie rather than a single winner. Ties reflect equal recommendation counts only.

Mentions, recommendations and placements answer different questions. A mention is appearance in an answer; a recommendation is affirmative endorsement; placements describe where a recommendation sat. A company can be mentioned often yet recommended rarely, so the columns should be read separately rather than combined.

Key findings

Tracked-company answer coverage

Questions This Section Answers

• How often did the November 2026 Certificates of Deposits answer sample recommend any tracked company?

19 distinct answers recommended at least one tracked company. Counting each company recommendation separately gives 61, because an answer can recommend several companies. Answers with no tracked recommendation may still have recommended companies outside this comparison.

Every included answer mentioned at least one tracked company, but only a minority recommended one. Because an answer can recommend several companies, company-level recommendation counts exceed the number of answers containing a recommendation. That overlap is why company totals should not be summed into an answer count.

Coverage here describes the reviewed answers, not overall market dominance. Answers without a tracked recommendation may still have named companies outside this comparison, so absence of a tracked recommendation is not evidence that no recommendation occurred.

Reach and affirmative recommendation

American Express ranks 1 by recommendation count. Mentions: 54 (42.19%); recommendations: 11 (8.59%). Top 3 placements: 3 (2.34%); first-place placements: 3 (2.34%).

Wording about the company: 17 positive, 37 neutral, 0 negative mentions. The proportion of mentions that also included a recommendation was 20.4%. The net framing score was 0.31 (defined in Methodology).

43 mentions had no recorded recommendation. Of recorded recommendations, 27.27% were Top 3 and 27.27% were first-place.

Morgan Stanley ranks 1 by recommendation count. Mentions: 77 (60.16%); recommendations: 11 (8.59%). Top 3 placements: 3 (2.34%); first-place placements: 0 (0.00%).

Wording about the company: 12 positive, 65 neutral, 0 negative mentions. The proportion of mentions that also included a recommendation was 14.3%. The net framing score was 0.16 (defined in Methodology).

66 mentions had no recorded recommendation. Of recorded recommendations, 27.27% were Top 3 and 0.00% were first-place.

American Express and Morgan Stanley tie on recommendation count, yet their profiles differ. Morgan Stanley appears in more answers, while American Express records a larger share of its mentions as affirmative endorsements. The tie is equal recommendation counts, not a shared pattern of appearance or wording.

Mention presence and affirmative endorsement are distinct measurements. Many mentions carried no recorded recommendation for either company, so frequent appearance should not be read as frequent endorsement. The recommendation-to-mention ratio describes recorded answer wording, not customer behavior or conversion.

Recommendation order and placement

Top-three and first-place results are nested within recommendations, not additional wins. A company with recommendations but no top-three placements simply had none of its endorsements positioned early; that is a placement reading, not a separate outcome.

Placement shares use the full answer total as denominator, so they are not directly comparable to the recommendation-to-mention ratio. First-place counts are a subset of shortlist placements and should never be added to them. Placement describes position in an answer, not consumer conversion.

Classified framing in context

Framing classifies the wording surrounding each mention as positive, neutral or negative. Most mentions of tracked companies were neutral, with positive wording a minority and negative wording rare. Neutral wording is not an endorsement, and positive wording alone does not establish why a recommendation was or was not recorded.

Net framing summarizes that balance on a bounded scale. It is not customer sentiment, reputation or company quality, and differences between companies should not be read as evidence of underlying merit or of causes behind recommendation patterns.

Company results in detail

American Express

Questions This Section Answers

• What do the November 2026 AI answer results show about American Express mentions, recommendations and placement?

American Express ranks 1 by recommendation count. Mentions: 54 (42.19%); recommendations: 11 (8.59%). Top 3 placements: 3 (2.34%); first-place placements: 3 (2.34%).

Wording about the company: 17 positive, 37 neutral, 0 negative mentions. The proportion of mentions that also included a recommendation was 20.4%. The net framing score was 0.31 (defined in Methodology).

43 mentions had no recorded recommendation. Of recorded recommendations, 27.27% were Top 3 and 27.27% were first-place.

There are insufficient usable monthly observations for a prior-period comparison.

American Express shares the top recommendation count and records the strongest recommendation-to-mention ratio among the leading companies, with a substantial share of its mentions also endorsed. Its placements include first-place results, so some endorsements were positioned early.

Most of its mentions were neutral in wording, with positive wording a minority and none negative. The ratio rests on a modest recommendation base, so it should be read as a description of these answers rather than a stable property.

Morgan Stanley

Questions This Section Answers

• What do the November 2026 AI answer results show about Morgan Stanley mentions, recommendations and placement?

Morgan Stanley ranks 1 by recommendation count. Mentions: 77 (60.16%); recommendations: 11 (8.59%). Top 3 placements: 3 (2.34%); first-place placements: 0 (0.00%).

Wording about the company: 12 positive, 65 neutral, 0 negative mentions. The proportion of mentions that also included a recommendation was 14.3%. The net framing score was 0.16 (defined in Methodology).

66 mentions had no recorded recommendation. Of recorded recommendations, 27.27% were Top 3 and 0.00% were first-place.

There are insufficient usable monthly observations for a prior-period comparison.

Morgan Stanley ties for the top recommendation count while appearing in more answers than any other tracked company. Its recommendation-to-mention ratio is lower than American Express's, reflecting many mentions without a recorded endorsement.

Its recommendations include top-three placements but no first-place results, so its endorsements were positioned but never earliest. Wording was overwhelmingly neutral with no negative mentions. The profile shows broad reach paired with selective endorsement.

Goldman Sachs Group

Questions This Section Answers

• What do the November 2026 AI answer results show about Goldman Sachs Group mentions, recommendations and placement?

Goldman Sachs Group ranks 3 by recommendation count. Mentions: 73 (57.03%); recommendations: 7 (5.47%). Top 3 placements: 0 (0.00%); first-place placements: 0 (0.00%).

Wording about the company: 11 positive, 62 neutral, 0 negative mentions. The proportion of mentions that also included a recommendation was 9.6%. The net framing score was 0.15 (defined in Methodology).

66 mentions had no recorded recommendation. Of recorded recommendations, 0.00% were Top 3 and 0.00% were first-place.

There are insufficient usable monthly observations for a prior-period comparison.

Goldman Sachs Group ranks third by recommendation count but records no top-three or first-place placements, so none of its endorsements were positioned early. Its recommendation-to-mention ratio is modest, with most appearances carrying no recorded recommendation.

Wording was largely neutral, with positive mentions a minority and none negative. The profile is one of frequent appearance and comparatively limited affirmative endorsement within these answers.

Bank of America Corp.

Questions This Section Answers

• What do the November 2026 AI answer results show about Bank of America Corp. mentions, recommendations and placement?

Bank of America Corp. ranks 4 by recommendation count. Mentions: 75 (58.59%); recommendations: 6 (4.69%). Top 3 placements: 4 (3.13%); first-place placements: 0 (0.00%).

Wording about the company: 13 positive, 62 neutral, 0 negative mentions. The proportion of mentions that also included a recommendation was 8.0%. The net framing score was 0.17 (defined in Methodology).

69 mentions had no recorded recommendation. Of recorded recommendations, 66.67% were Top 3 and 0.00% were first-place.

There are insufficient usable monthly observations for a prior-period comparison.

Bank of America Corp. records a moderate recommendation count, and a large majority of its recommendations were top-three placements, though none reached first place. That placement pattern distinguishes it from companies whose endorsements were never positioned early.

Its recommendation-to-mention ratio is comparatively low, with most mentions carrying no endorsement. Wording was mostly neutral and never negative. Placement here describes position within recommendations, not additional wins.

Bread Savings

Questions This Section Answers

• What do the November 2026 AI answer results show about Bread Savings mentions, recommendations and placement?

Bread Savings ranks 4 by recommendation count. Mentions: 33 (25.78%); recommendations: 6 (4.69%). Top 3 placements: 1 (0.78%); first-place placements: 0 (0.00%).

Wording about the company: 9 positive, 24 neutral, 0 negative mentions. The proportion of mentions that also included a recommendation was 18.2%. The net framing score was 0.27 (defined in Methodology).

27 mentions had no recorded recommendation. Of recorded recommendations, 16.67% were Top 3 and 0.00% were first-place.

There are insufficient usable monthly observations for a prior-period comparison.

Bread Savings appears in far fewer answers than the large banks yet records a comparable recommendation count, giving it one of the higher recommendation-to-mention ratios in the set. Its single top-three placement means early positioning was rare.

Wording was mostly neutral with a positive minority and no negatives. Because the mention base is smaller, the strong ratio should be read with caution as a description of these answers rather than a settled pattern.

JPMorgan Chase & Co.

Questions This Section Answers

• What do the November 2026 AI answer results show about JPMorgan Chase & Co. mentions, recommendations and placement?

JPMorgan Chase & Co. ranks 4 by recommendation count. Mentions: 67 (52.34%); recommendations: 6 (4.69%). Top 3 placements: 5 (3.91%); first-place placements: 4 (3.13%).

Wording about the company: 13 positive, 54 neutral, 0 negative mentions. The proportion of mentions that also included a recommendation was 9.0%. The net framing score was 0.19 (defined in Methodology).

61 mentions had no recorded recommendation. Of recorded recommendations, 83.33% were Top 3 and 66.67% were first-place.

There are insufficient usable monthly observations for a prior-period comparison.

JPMorgan Chase & Co. records a moderate recommendation count, but most of its recommendations were top-three placements and a majority reached first place, the strongest early-positioning pattern in the set. Its recommendation-to-mention ratio remains modest because most mentions carried no endorsement.

Wording was largely neutral with no negatives. The contrast between frequent mention and selective, often early-placed endorsement is the distinctive feature of this profile.

Citigroup Inc.

Questions This Section Answers

• What do the November 2026 AI answer results show about Citigroup Inc. mentions, recommendations and placement?

Citigroup Inc. ranks 7 by recommendation count. Mentions: 60 (46.88%); recommendations: 5 (3.91%). Top 3 placements: 3 (2.34%); first-place placements: 0 (0.00%).

Wording about the company: 8 positive, 52 neutral, 0 negative mentions. The proportion of mentions that also included a recommendation was 8.3%. The net framing score was 0.13 (defined in Methodology).

55 mentions had no recorded recommendation. Of recorded recommendations, 60.00% were Top 3 and 0.00% were first-place.

There are insufficient usable monthly observations for a prior-period comparison.

Citigroup Inc. records a modest recommendation count, with most of its recommendations appearing as top-three placements and none reaching first place. Its recommendation-to-mention ratio is low, reflecting many appearances without a recorded endorsement.

Wording was predominantly neutral, with positive mentions a minority and none negative. The profile describes limited affirmative endorsement relative to how often the company appeared in these answers.

Wells Fargo & Co.

Questions This Section Answers

• What do the November 2026 AI answer results show about Wells Fargo & Co. mentions, recommendations and placement?

Wells Fargo & Co. ranks 7 by recommendation count. Mentions: 64 (50.00%); recommendations: 5 (3.91%). Top 3 placements: 0 (0.00%); first-place placements: 0 (0.00%).

Wording about the company: 8 positive, 55 neutral, 1 negative mentions. The proportion of mentions that also included a recommendation was 7.8%. The net framing score was 0.11 (defined in Methodology).

59 mentions had no recorded recommendation. Of recorded recommendations, 0.00% were Top 3 and 0.00% were first-place.

There are insufficient usable monthly observations for a prior-period comparison.

Wells Fargo & Co. records a modest recommendation count with no top-three or first-place placements, so none of its endorsements were positioned early. Its recommendation-to-mention ratio is among the lower ones recorded.

Wording was mostly neutral, with a small positive minority and a single negative mention, the only negative recorded in this set. That single classification should not be generalized beyond these answers.

U.S. Bancorp

Questions This Section Answers

• What do the November 2026 AI answer results show about U.S. Bancorp mentions, recommendations and placement?

U.S. Bancorp ranks 9 by recommendation count. Mentions: 46 (35.94%); recommendations: 4 (3.13%). Top 3 placements: 0 (0.00%); first-place placements: 0 (0.00%).

Wording about the company: 7 positive, 39 neutral, 0 negative mentions. The proportion of mentions that also included a recommendation was 8.7%. The net framing score was 0.15 (defined in Methodology).

42 mentions had no recorded recommendation. Of recorded recommendations, 0.00% were Top 3 and 0.00% were first-place.

There are insufficient usable monthly observations for a prior-period comparison.

U.S. Bancorp records a modest recommendation count with no top-three or first-place placements, so its endorsements were never positioned early. Its recommendation-to-mention ratio is low, with most appearances carrying no recorded recommendation.

Wording was largely neutral, with positive mentions a minority and none negative. The profile shows moderate reach paired with limited affirmative endorsement in these answers.

Capital One Platinum Mastercard

Questions This Section Answers

• What do the November 2026 AI answer results show about Capital One Platinum Mastercard mentions, recommendations and placement?

Capital One Platinum Mastercard ranks 10 by recommendation count. Mentions: 2 (1.56%); recommendations: 0 (0.00%). Top 3 placements: 0 (0.00%); first-place placements: 0 (0.00%).

Wording about the company: 0 positive, 2 neutral, 0 negative mentions. The proportion of mentions that also included a recommendation was 0.0%. The net framing score was 0.00 (defined in Methodology).

2 mentions had no recorded recommendation. Of recorded recommendations, Unavailable were Top 3 and Unavailable were first-place.

There are insufficient usable monthly observations for a prior-period comparison.

Capital One Platinum Mastercard records no recommendations in this sample, and its placement counts are therefore zero as well. Its two mentions were both neutral in wording, and no ratio requiring a recommendation base is defined.

These are measured zero results, not missing observations. With so few appearances, the profile describes only these answers and supports no broader inference about the company.

Earlier ranking snapshot context

Questions This Section Answers

• How do the available Certificates of Deposits snapshots from July 2026 to November 2026 differ in recommendation coverage and measurement scope?

Only months with verified results are shown. Monthly sample coverage is listed in Methodology.

Only one reporting month with verified results is shown, so no month-to-month comparison is available. The table pairs each company's recommendation count with its rate over the included answers, and the rank column orders those counts.

A count records how many endorsements appeared, while a rate expresses that count against the full answer total; the two describe different aspects of the same recorded answers. Neither establishes rank stability across months, and monthly samples are separate rather than equivalent.

What the November Rankings Show

The November results show that reach, recommendation, placement and framing answer separate questions. A company can appear in many answers without being endorsed often, and an endorsement can sit anywhere in an answer's ordering. Reading these measures together gives a fuller picture than any single column.

The leaderboard's top is a tie, and several companies share lower counts, so rank alone compresses real differences in how often companies were mentioned and how their endorsements were positioned. Framing adds wording context but does not explain why recommendations occurred.

Methodology

Questions This Section Answers

• How were the November 2026 Certificates of Deposits AI visibility measures counted, and what do they not establish?

This benchmark has partial coverage: 1 of 3 planned question categories contributed usable observations; 2 contributed none. This describes question-category coverage, not demonstrated platform outages. Findings apply to the available answer set.

The month in the title is the reporting period. The exact dates when the original AI answers were collected have not been verified.

Each company is counted at most once in each answer that meets the benchmark rules. A recommendation requires both an affirmative endorsement and positive wording. Mention, recommendation, Top 3 and first-place rates use the full benchmark answer total. Top 3 and first-place results are included within recommendations, not added to them.

The recommendation-to-mention ratio divides recommendations by mentions. It describes AI answer wording, not customer conversion. Net framing is positive minus negative mentions, divided by all mentions, on a scale from -1 to +1. It does not measure customer satisfaction or company quality.

Market: US; 10 tracked companies. AI services represented: ChatGPT, Copilot, Gemini, Google AI Mode, Google AI Overviews, Perplexity.

Research screening totals (answer observations can include repeated questions):

The source does not provide a reader-facing definition of “reserved”; that screening label is reported without inferring a reason for exclusion. Only the included benchmark answers form the rate denominator.

One answer can mention or recommend several companies. Adding company totals would therefore count some answers more than once. The results describe the AI answers reviewed, not independently verified facts about the companies or their products.

Monthly sample coverage:

July 2026 measured a different set of companies, so it is excluded from this comparison. August 2026 measured a different set of companies, so it is excluded from this comparison. September 2026 measured a different set of companies, so it is excluded from this comparison. October 2026 measured a different set of companies, so it is excluded from this comparison.

The answer samples differ between months. These comparisons show how the recorded results changed; they do not establish why they changed.

Coverage is partial: only one of three planned question categories contributed usable observations, and the exact collection dates for the original answers are unverified. Findings apply to the included answer set, not to all AI output.

Each company is counted at most once per qualifying answer, and one answer can mention or recommend several companies, so company totals overlap. Top-three and first-place results are subsets of recommendations, not additions. The recommendation-to-mention ratio and net framing describe recorded answer wording, not customers, sales, conversion or company quality. The results are not independently verified facts about the companies.