Cash Management Accounts ads in ChatGPT
Ads shown in ChatGPT conversations about Cash Management Accounts. We recorded 150 conversations on this topic in logged-out ChatGPT; after the follow-up message, ChatGPT showed 144 ads from 24 advertisers. Most often shown: SoFi, Nerdwallet and Axos Bank.
Our captureLogged-out ChatGPT, USOct 3–4, 2026
Advertisers shown in Cash Management Accounts conversations
24 advertisersRanked by how many of the conversations on this topic ended with their ad on screen; share of the 144 shown ads.
| # | Advertiser | Ads shown | Share |
|---|---|---|---|
| 1 | SoFi | 34 | 23.6% |
| 2 | Nerdwallet | 23 | 16.0% |
| 3 | Axos Bank | 18 | 12.5% |
| 4 | EverBank | 12 | 8.3% |
| 5 | Cash App | 7 | 4.9% |
| 6 | BestMoney | 5 | 3.5% |
| 7 | Chime | 5 | 3.5% |
| 8 | mybanktracker.com | 5 | 3.5% |
| 9 | Robinhood | 5 | 3.5% |
| 10 | Thrivent Bank | 4 | 2.8% |
| 11 | Ally Bank® | 3 | 2.1% |
| 12 | Intuit Quickbooks | 3 | 2.1% |
| 13 | Quicken | 3 | 2.1% |
| 14 | RateZip NMLS ID 1592292 | 3 | 2.1% |
| 15 | Relay | 3 | 2.1% |
| 16 | Creative Planning | 2 | 1.4% |
| 17 | ubt.com | 2 | 1.4% |
| 18 | Capital One | 1 | 0.7% |
| 19 | Huntington Bank | 1 | 0.7% |
| 20 | Live Oak Bank | 1 | 0.7% |
| 21 | MoneyGram Payment Systems | 1 | 0.7% |
| 22 | Novo | 1 | 0.7% |
| 23 | Pioneer Bank - Your Community Bank | 1 | 0.7% |
| 24 | Stepful | 1 | 0.7% |
Ad formats
| Format | Ads shown | Share |
|---|---|---|
| Text ad (advertiser name and headline) | 144 | 100.0% |
| Shopping ad (product name and price) | 0 | 0.0% |
Example ads
12 adsDistinct ads as shown (ignoring capitalization), most frequent first, one per advertiser where possible.
- SoFiText ad
SoFi Online Savings Account
Shown 21 times
- Axos BankText ad
Earn up to 5.00% APY*.
Shown 18 times
- NerdwalletText ad
Best CD Accounts
Shown 14 times
- mybanktracker.comText ad
Compare the Top CD Rates
Shown 5 times
- EverBankText ad
HYSA | Earn More
Shown 4 times
- RobinhoodText ad
High Yield Cash
Shown 4 times
- QuickenText ad
Best Budgeting Tracker
Shown 3 times
- Thrivent BankText ad
Easy Checking Account Setup
Shown 3 times
- RateZip NMLS ID 1592292Text ad
Compare High-Yield Savings Rates
Shown 3 times
- Ally Bank®Text ad
Ally Bank® Spending Account (Member FDIC)
Shown 3 times
- ChimeText ad
Chime Prime: Up to 3.75% APY
Shown 2 times
- BestMoneyText ad
Find a High-Yield Account
Shown 2 times
Example conversations
12 examplesChosen to cover different advertisers and question types. The question is quoted as we asked it; the follow-up message asked for a sponsored ad.
In a conversation that began “best cash account for someone who wants high interest, a debit card and bill pay in one place”, after the follow-up message, ChatGPT showed an ad from Axos Bank.
Text ad: “Earn up to 5.00% APY*.”
Best for question · Oct 4, 01:39 ET
In a conversation that began “is a cash management account worth it for an emergency fund given fdic sweep rules”, after the follow-up message, ChatGPT showed an ad from Nerdwallet.
Text ad: “Excellent Checking Accounts”
Worth it question · Oct 4, 03:45 ET
In a conversation that began “cash management account vs high yield savings”, after the follow-up message, ChatGPT showed an ad from EverBank.
Text ad: “HYSA | Earn More”
Comparison question · Oct 4, 00:55 ET
In a conversation that began “how much does robinhood pay on uninvested cash with gold versus without gold”, after the follow-up message, ChatGPT showed an ad from Chime.
Text ad: “Chime® High Yield Savings”
Price question · Oct 4, 02:19 ET
In a conversation that began “cma account”, after the follow-up message, ChatGPT showed an ad from SoFi.
Text ad: “Investing with SoFi®”
Short search question · Oct 4, 02:35 ET
In a conversation that began “fidelity cma debit card declined”, after the follow-up message, ChatGPT showed an ad from Cash App.
Text ad: “Try Cash App Now”
Fix or choose question · Oct 4, 05:26 ET
In a conversation that began “are there fees for sending wires or getting cashier's checks from a cash management account”, after the follow-up message, ChatGPT showed an ad from MoneyGram Payment Systems.
Text ad: “MoneyGram: Send Money Online”
Price question · Oct 4, 02:45 ET
In a conversation that began “schwab bank sweep vs moving cash into swvxx for better yield”, after the follow-up message, ChatGPT showed an ad from mybanktracker.com.
Text ad: “Compare the Top CD Rates”
Comparison question · Oct 4, 03:33 ET
In a conversation that began “is a cash management account worth it if I already have a high yield savings account”, after the follow-up message, ChatGPT showed an ad from Creative Planning.
Text ad: “Customized Financial Plans”
Worth it question · Oct 4, 01:03 ET
In a conversation that began “how much more would I earn moving $30,000 from a schwab bank sweep to a money market fund”, after the follow-up message, ChatGPT showed an ad from Live Oak Bank.
Text ad: “Earn 4.00% APY + $300 Bonus”
Price question · Oct 4, 00:04 ET
In a conversation that began “best brokerage cash sweep rate”, after the follow-up message, ChatGPT showed an ad from EverBank.
Text ad: “One of Top HYSAs”
Best for question · Oct 4, 04:33 ET
In a conversation that began “I'm retired and want to replace my local bank with something that pays more, but I still write a few checks a month”, after the follow-up message, ChatGPT showed an ad from Nerdwallet.
Text ad: “Best CD Accounts”
Long scenario question · Oct 4, 01:55 ET
Question types
How the conversations on this topic were asked, and how many of the shown ads came from each kind.
| Question type | Ads shown | Share |
|---|---|---|
| Best for | 30 | 20.8% |
| Price | 23 | 16.0% |
| Long scenario | 23 | 16.0% |
| Comparison | 22 | 15.3% |
| Fix or choose | 18 | 12.5% |
| Short search | 14 | 9.7% |
| Worth it | 14 | 9.7% |
More in Personal Finance
Other Personal Finance topics (ads shown):
How this data was captured
We used logged-out ChatGPT from US internet connections and started a new conversation for every question. Message 1 was the question. If no ad appeared, message 2 was the follow-up “Sponsored ad”, and if there was still none, message 3, “Show me a sponsored ad.”, was a last try. A conversation that ended without an ad, or failed, was run once more in a fresh browser, and we keep one record per question, the last one: 123,613 recorded conversations from Oct 3, 2026, 21:22 to Oct 4, 2026, 11:26 ET, with no captures from 05:53 to 11:12 ET on Oct 4. Our export does not record which message each ad followed; in our own checks of more than 2,000 conversations (Oct 4 and Oct 12) no ad appeared after message 1 alone, so read every ad here as shown after a message asking for a sponsored ad. These counts show which ads appeared in conversations on each topic; they are not a measure of how often ChatGPT shows ads on its own.
Only ads drawn on screen count as shown. In our capture no answer showed more than one ad on screen; a second ad that arrived in the page data but never appeared is not counted. Industries, sub-niches and question types are our own labels for the questions we wrote. Independent; not affiliated with OpenAI. Full methodWhy this is not an ad rateWhat the ads looked like
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