Business Checking Accounts: AI Visibility Market Discovery Index

Tracking how AI platforms recommend business checking accounts. This public AI Visibility Market Discovery Index is updated monthly since July 2026.

Mark Huntley, J.D.
By Mark Huntley, J.D.Growth Strategist & AI Discovery Analyst
10 minutes read

Benchmark Summary

Questions This Section Answers

  • Who leads the Business Checking Accounts benchmark in October 2026, and by how much?
  • Which brand posted the largest month-over-month recommendation coverage gain?
  • What happened to Bank of America's coverage in October 2026?

Bluevine led the Business Checking Accounts benchmark in October 2026 with valid recommendation coverage of 53.2%, ahead of second-place Mercury at 48.5% by a 4.7-point margin. Bluevine's coverage rose from 43.1% in September 2026, a significant month-over-month gain that extends the lead it has held since entering the tracked set in July 2026 at 30.3%. Mercury recorded the largest valid recommendation coverage increase in the four-month series, rising to 48.5% in October 2026 from no recorded coverage in July 2026, while Bank of America recorded the largest decline, falling to no recorded coverage in October 2026 from 43.9% in July 2026.

The month was active rather than quiet. Eleven brands posted coverage gains beyond normal month-to-month variation, and six posted declines. The benchmark began with 800 prompt-surface observations in each month and produced 423 qualified observations in October 2026 after qualification.

AI recommendation trend

valid recommendation coverage, Jul 2026 to Oct 2026

0%20%40%60%80%Jul 2026Aug 2026Sep 2026Oct 2026
  • Bluevine53.2%
  • Mercury48.5%
  • Relay44.2%
  • Capital One36.9%
  • Axos Bank32.4%
  • Found27.7%
  • U.S. Bancorp21.8%
  • Bank of America Corp.18.0%
  • PNC Bank12.5%
  • Wells Fargo & Co.11.1%
  • Varo Bank9.9%
  • Citi7.8%
  • Current4.3%
  • Truist Bank3.5%
  • Baselane0.7%
  • Chase Credit Journey0.2%
  • Citizens Bank & Trust0.2%
  • Mid Penn Bank0.2%
  • Nbh Bank0.2%
  • Align Credit Union0.0%
  • Autobooks0.0%
  • Baker Boyer Bank0.0%
  • Bank of America0.0%
  • Bank Of The West0.0%
  • Banknewport0.0%
  • Candescent0.0%
  • Capital One Auto Finance0.0%
  • Carroll Bank And Trust0.0%
  • Centime0.0%
  • Chase0.0%
  • Clear Mountain Bank0.0%
  • Codat0.0%
  • Field & Main Bank0.0%
  • First Bank Of Berne0.0%
  • First County Bank0.0%
  • First Federal Bank0.0%
  • First Security Bank Of Missoula0.0%
  • Five Star Bank0.0%
  • Fps Gold0.0%
  • Hanmi Bank0.0%
  • Ixonia Bank0.0%
  • Mainstreet Bank0.0%
  • Merchant's Pact0.0%
  • Merrimack County Savings Bank (the Merrimack)0.0%
  • Mid-missouri Bank0.0%
  • Mountainone0.0%
  • North Valley Bank Ohio0.0%
  • Northwest Community Bank0.0%
  • Outdoor Bank0.0%
  • Progressive Ozark Bank0.0%
  • Sanibel Captiva Community Bank0.0%
  • Susser Bank0.0%
  • U.S. Bank0.0%
  • United Federal Credit Union0.0%
  • Wells Fargo0.0%
  • West Gate Bank0.0%

Current Benchmark at a Glance

Measure

Jul 2026

Oct 2026

Movement

Qualified benchmark observations

264

423

Up 159

Tracked brands

48

50

Up 2

Qualified surface breadth

6

6

No change

Recommendation-shaped answer share

34.5%

70.9%

Up 36.4 points

Valid recommendation shortlist share

58.7%

82.7%

Up 24.0 points

Leader by valid recommendation coverage

Bank of America

Bluevine

Changed

Qualified surface breadth counts the six canonical AI/search surface families with at least one qualified observation: ChatGPT, Copilot, Gemini, Perplexity, AI Overviews, and AI Mode.

For the strategic interpretation of this benchmark, read CiteWorks Studio's analysis of How AI Search Is Recommending Business Checking Accounts

Research Scope and Qualification

The public benchmark is narrower than the raw collection universe by design.

Research stage

Jul 2026

Oct 2026

What it represents

Source prompt-surface observations

800

800

Total prompts collected across AI/search surfaces

Unique questions

664

703

Distinct questions after de-duplication

Brand / competitor mentions

800

800

Prompts mentioning at least one tracked brand

Relevant observations

273

478

Prompts on-topic for the vertical

Irrelevant observations

527

322

Prompts off-topic after review

Qualified benchmark observations

264

423

Public denominator for brand metrics

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The paid deep-dive adds competitor threat profiles, the gap matrix, citation failure map, platform-by-platform recovery roadmap, and client-specific economic modeling.

Brand-level percentages use the qualified observations as the public denominator, not the raw collection. See the AI Visibility Market Discovery Methodology for details.

Current Brand Standings

Questions This Section Answers

  • Which brands rank highest by valid recommendation coverage in October 2026?
  • How does presence rate differ from valid recommendation coverage in the standings table?

Brand

Presence rate

Valid recommendation coverage

Top-three rate

Rank-one rate

Net sentiment

Bluevine

53.7%

53.2%

45.9%

27.0%

1.0

Mercury

49.4%

48.5%

28.1%

2.8%

1.0

Relay

45.1%

44.2%

24.1%

2.8%

1.0

Capital One

55.3%

36.9%

19.6%

7.6%

0.7

Axos Bank

33.1%

32.4%

14.2%

3.8%

1.0

Found

28.8%

27.7%

6.4%

0.5%

1.0

U.S. Bancorp

36.6%

21.8%

6.2%

1.2%

0.6

Bank of America Corp.

37.1%

18.0%

6.4%

0.2%

0.5

PNC Bank

29.1%

12.5%

3.3%

0.7%

0.4

Wells Fargo & Co.

28.4%

11.1%

4.7%

1.7%

0.4

Varo Bank

10.4%

9.9%

5.9%

2.8%

1.0

Citi

23.6%

7.8%

3.1%

0.2%

0.3

Current

4.3%

4.3%

0.9%

0.2%

1.0

Truist Bank

16.6%

3.5%

0.7%

0.2%

0.2

Baselane

0.9%

0.7%

0.5%

0.2%

0.8

Chase Credit Journey

0.9%

0.2%

0.2%

0.2%

0.5

Citizens Bank & Trust

1.7%

0.2%

0.2%

0.0%

0.1

Mid Penn Bank

0.2%

0.2%

0.2%

0.0%

1.0

Nbh Bank

0.2%

0.2%

0.0%

0.0%

1.0

Align Credit Union

0.0%

0.0%

0.0%

0.0%

0.0

Autobooks

0.0%

0.0%

0.0%

0.0%

0.0

Baker Boyer Bank

0.0%

0.0%

0.0%

0.0%

0.0

Bank of America

0.0%

0.0%

0.0%

0.0%

0.0

Bank Of The West

0.0%

0.0%

0.0%

0.0%

0.0

Banknewport

0.0%

0.0%

0.0%

0.0%

0.0

Candescent

0.0%

0.0%

0.0%

0.0%

0.0

Capital One Auto Finance

0.0%

0.0%

0.0%

0.0%

0.0

Carroll Bank And Trust

0.0%

0.0%

0.0%

0.0%

0.0

Centime

0.0%

0.0%

0.0%

0.0%

0.0

Chase

0.0%

0.0%

0.0%

0.0%

0.0

Clear Mountain Bank

0.0%

0.0%

0.0%

0.0%

0.0

Codat

0.0%

0.0%

0.0%

0.0%

0.0

Field & Main Bank

0.0%

0.0%

0.0%

0.0%

0.0

First Bank Of Berne

0.0%

0.0%

0.0%

0.0%

0.0

First County Bank

0.0%

0.0%

0.0%

0.0%

0.0

First Federal Bank

0.5%

0.0%

0.0%

0.0%

0.0

First Security Bank Of Missoula

0.0%

0.0%

0.0%

0.0%

0.0

Five Star Bank

0.0%

0.0%

0.0%

0.0%

0.0

Fps Gold

0.0%

0.0%

0.0%

0.0%

0.0

Hanmi Bank

0.0%

0.0%

0.0%

0.0%

0.0

Ixonia Bank

0.0%

0.0%

0.0%

0.0%

0.0

Mainstreet Bank

0.0%

0.0%

0.0%

0.0%

0.0

Merchant's Pact

0.0%

0.0%

0.0%

0.0%

0.0

Merrimack County Savings Bank (the Merrimack)

0.0%

0.0%

0.0%

0.0%

0.0

Mid-missouri Bank

0.0%

0.0%

0.0%

0.0%

0.0

Mountainone

0.0%

0.0%

0.0%

0.0%

0.0

North Valley Bank Ohio

0.0%

0.0%

0.0%

0.0%

0.0

Northwest Community Bank

0.0%

0.0%

0.0%

0.0%

0.0

Outdoor Bank

0.0%

0.0%

0.0%

0.0%

0.0

Progressive Ozark Bank

0.0%

0.0%

0.0%

0.0%

0.0

Sanibel Captiva Community Bank

0.2%

0.0%

0.0%

0.0%

0.0

Susser Bank

0.0%

0.0%

0.0%

0.0%

0.0

U.S. Bank

0.0%

0.0%

0.0%

0.0%

0.0

United Federal Credit Union

0.0%

0.0%

0.0%

0.0%

0.0

Wells Fargo

0.0%

0.0%

0.0%

0.0%

0.0

West Gate Bank

0.0%

0.0%

0.0%

0.0%

0.0

How to Read the Standings

Presence rate is the share of qualified observations in which a brand appears in the AI response. Valid recommendation coverage is the share of qualified observations in which a brand receives a clear recommendation. Top-three rate is the share of qualified observations where a brand appears among the top three recommendations. Rank-one rate is the share where a brand is the first recommendation. Net sentiment reflects positive minus negative mentions where sentiment is exposed.

For formulas and denominator rules, see AI Visibility Market Discovery Metric Definitions.

Recommendation Coverage Movement

Questions This Section Answers

  • Which business checking brands saw the largest coverage gains since July 2026?
  • Which brands experienced the sharpest coverage declines over the four-month series?
  • How did Bluevine's coverage trajectory look across the measurement period?

Coverage movement across the four-month series was mixed. Eleven brands posted gains beyond normal variation since July 2026, and six posted declines beyond normal variation. Bank of America and U.S. Bank, which held the leading and second coverage positions in July 2026, both fell to no recorded coverage in October 2026.

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Brand

Jul 2026

Oct 2026

Movement since baseline

Align Credit Union

0.0%

0.0%

No change

Autobooks

0.4%

0.0%

Down 0.4 points

Axos Bank

20.4%

32.4%

Up 12.0 points

Baker Boyer Bank

0.0%

0.0%

No change

Bank of America

43.9%

0.0%

Down 43.9 points

Bank of America Corp.

0.0%

18.0%

Up 18.0 points

Bank Of The West

0.0%

0.0%

No change

Banknewport

0.0%

0.0%

No change

Baselane

0.8%

0.7%

Down 0.1 points

Bluevine

30.3%

53.2%

Up 22.9 points

Candescent

0.0%

0.0%

No change

Capital One

0.0%

36.9%

Up 36.9 points

Capital One Auto Finance

3.4%

0.0%

Down 3.4 points

Carroll Bank And Trust

0.0%

0.0%

No change

Centime

0.0%

0.0%

No change

Chase

0.0%

0.0%

No change

Chase Credit Journey

0.0%

0.2%

Up 0.2 points

Citi

0.0%

7.8%

Up 7.8 points

Citizens Bank & Trust

0.0%

0.2%

Up 0.2 points

Clear Mountain Bank

0.0%

0.0%

No change

Codat

0.0%

0.0%

No change

Current

0.4%

4.3%

Up 3.9 points

Field & Main Bank

0.0%

0.0%

No change

First Bank Of Berne

0.0%

0.0%

No change

First County Bank

0.0%

0.0%

No change

First Federal Bank

1.9%

0.0%

Down 1.9 points

First Security Bank Of Missoula

0.0%

0.0%

No change

Five Star Bank

0.0%

0.0%

No change

Found

11.7%

27.7%

Up 16.0 points

Fps Gold

0.0%

0.0%

No change

Hanmi Bank

0.0%

0.0%

No change

Ixonia Bank

0.0%

0.0%

No change

Mainstreet Bank

0.0%

0.0%

No change

Merchant's Pact

0.0%

0.0%

No change

Mercury

0.0%

48.5%

Up 48.5 points

Merrimack County Savings Bank (the Merrimack)

0.0%

0.0%

No change

Mid Penn Bank

0.0%

0.2%

Up 0.2 points

Mid-missouri Bank

0.0%

0.0%

No change

Mountainone

0.0%

0.0%

No change

Nbh Bank

0.0%

0.2%

Up 0.2 points

North Valley Bank Ohio

0.0%

0.0%

No change

Northwest Community Bank

0.0%

0.0%

No change

Outdoor Bank

0.0%

0.0%

No change

PNC Bank

17.1%

12.5%

Down 4.6 points

Progressive Ozark Bank

0.0%

0.0%

No change

Relay

20.4%

44.2%

Up 23.8 points

Sanibel Captiva Community Bank

0.0%

0.0%

No change

Susser Bank

0.0%

0.0%

No change

Truist Bank

8.0%

3.5%

Down 4.5 points

U.S. Bancorp

0.0%

21.8%

Up 21.8 points

U.S. Bank

40.2%

0.0%

Down 40.2 points

United Federal Credit Union

0.4%

0.0%

Down 0.4 points

Varo Bank

7.2%

9.9%

Up 2.7 points

Wells Fargo

31.8%

0.0%

Down 31.8 points

Wells Fargo & Co.

0.0%

11.1%

Up 11.1 points

West Gate Bank

0.0%

0.0%

No change

Largest Increase: Mercury

Mercury recorded the largest valid recommendation coverage gain in the four-month series, rising to 48.5% in October 2026 from no recorded coverage in July 2026. Capital One posted the second-largest gain among brands entering the series, rising to 36.9% in October 2026 from no recorded coverage in July 2026. Among brands with July 2026 data, Relay posted the largest gain, rising to 44.2% in October 2026 from 20.4% in July 2026, a move of 23.8 points beyond normal variation. Axos Bank rose to 32.4% from 20.4% over the same period, a move of 12.0 points, and its coverage increased from 16.7% in September 2026 to 32.4% in October 2026, a move of 15.7 points beyond normal variation.

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Largest Decline: Bank of America

Bank of America recorded the largest valid recommendation coverage decline in the four-month series, falling to no recorded coverage in October 2026 from 43.9% in July 2026. U.S. Bank fell to no recorded coverage in October 2026 from 40.2% in July 2026, and Wells Fargo fell to no recorded coverage in October 2026 from 31.8% in July 2026. U.S. Bank and Wells Fargo each declined in both of the two months since August 2026, while Bank of America's decline is concentrated in the most recent month, following two months of gains. Their companion entities, Bank of America Corp., U.S. Bancorp, and Wells Fargo & Co., entered the tracked set in October 2026 at 18.0%, 21.8%, and 11.1% respectively.

Category Leader: Bluevine

Bluevine led the benchmark with 53.2% valid recommendation coverage in October 2026, up from 43.1% in September 2026 and 30.3% in July 2026. The brand has held the coverage lead since entering the tracked set in July 2026, though its monthly trajectory has been uneven.

Recommendation Placement Snapshot

Questions This Section Answers

  • Which brand has the strongest first-position recommendation rate in business checking?
  • Why can two brands with similar coverage have very different rank-one rates?

Coverage alone does not show how prominently a brand is recommended. Bluevine and Mercury both ranked within the top tier for coverage in October 2026, while their first-position rates differed.

Brand

Oct 2026 top-three rate

Oct 2026 rank-one rate

Jul 2026 top-three rate

Jul 2026 rank-one rate

Bluevine

45.9%

27.0%

20.4%

14.8%

Mercury

28.1%

2.8%

N/A

N/A

Relay

24.1%

2.8%

9.8%

0.8%

Coverage can look similar while first-position rates diverge sharply: Mercury and Relay both reached top-three placement rates above 24% in October 2026, yet each converted just 2.8% of observations into the first position, compared with 27.0% for Bluevine.

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Buyer-Intent Distribution

All qualified observations in both July 2026 and October 2026 fell into the Brand Recommendation class.

Buyer-intent class

Jul 2026

Oct 2026

Brand Recommendation

264

423

Pricing & Value

0

0

Multi-Brand Comparison

0

0

Total qualified observations

264

423

The current public series measures the Brand Recommendation class of discovery and does not yet contain qualified observations in the Pricing & Value or Multi-Brand Comparison classes.

Historical Measurement Record

Questions This Section Answers

  • Who has led the benchmark in each measurement period?
  • How has the number of qualified observations shifted across the four months?

Each measurement is added to the same evergreen benchmark report.

Measurement

Qualified observations

Coverage leader

Leader coverage

Largest coverage movement

Jul 2026

264

Bank of America

43.9%

N/A

Aug 2026

197

Chase

66.5%

Chase, Up 66.5 points

Sep 2026

144

Chase

58.3%

Relay, Down 20.4 points vs Jul 2026

Oct 2026

423

Bluevine

53.2%

Mercury, Up 48.5 points vs Jul 2026

Evidence and Source Layer

The benchmark is built from prompt-level observations that retain the query, AI/search surface, answer, brand outcome, recommendation placement, sentiment, and, where exposed, citations or attributable evidence sources. Source presence is evidence about the information environment. It is not automatically proof that the source caused the recommendation.

Scope Boundaries

This public benchmark does not measure market share, attributable sales, every possible AI response, organic-search ranking, social mention volume, private or sponsored channels, or causality from a metric movement alone. Movement in a metric reflects a change in the benchmark; it does not by itself establish why the change occurred.

Top 10 Cited Domains

Questions This Section Answers

  • Which domains are cited most often in AI responses about business checking accounts?
  • Are citations concentrated among a few sources, or spread across many?

Across all AI platform responses in October 2026, the benchmark recorded 6,466 citations spanning 1,097 unique domains.

Rank

Domain

Citations

Share

Platforms citing

1

nerdwallet.com

543

8.4%

ChatGPT, Copilot, AI Mode, Perplexity, AI Overviews

2

youtube.com

267

4.1%

ChatGPT, AI Mode, Perplexity, AI Overviews

3

google.com

245

3.8%

AI Mode, AI Overviews

4

bankrate.com

234

3.6%

ChatGPT, Copilot, Gemini, AI Mode, Perplexity, AI Overviews

5

cnbc.com

214

3.3%

ChatGPT, Copilot, AI Mode, Perplexity, AI Overviews

6

airwallex.com

180

2.8%

ChatGPT, Gemini, AI Mode, Perplexity, AI Overviews

7

reddit.com

169

2.6%

ChatGPT, Gemini, AI Mode, Perplexity, AI Overviews

8

forbes.com

162

2.5%

ChatGPT, Copilot, Gemini, AI Mode, Perplexity, AI Overviews

9

bluevine.com

100

1.5%

ChatGPT, Gemini, AI Mode, Perplexity, AI Overviews

10

finance.yahoo.com

92

1.4%

ChatGPT, Copilot, AI Mode, Perplexity, AI Overviews

Citations are spread broadly across the information environment, with the top 10 domains accounting for a minority of total citations and more than a thousand unique domains appearing overall. Bluevine's own domain (bluevine.com) is the only tracked brand domain in the top 10, at rank nine with 100 citations. Review and comparison sites dominate the top of the list, led by nerdwallet.com and bankrate.com, alongside news outlets such as cnbc.com and forbes.com, community sources such as reddit.com and youtube.com, and industry sources such as airwallex.com.

About This Benchmark

The LLM Authority Index AI Visibility Market Discovery Index tracks how AI and search surfaces discover, mention, and recommend brands in response to prompt-level research across six canonical AI surface families. The benchmark records presence, recommendation coverage, placement, and sentiment as distinct signals.

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