Checking Accounts ads in ChatGPT
Ads shown in ChatGPT conversations about Checking Accounts. We recorded 154 conversations on this topic in logged-out ChatGPT; after the follow-up message, ChatGPT showed 145 ads from 22 advertisers. Most often shown: SoFi, Nerdwallet and Thrivent Bank.
Our captureLogged-out ChatGPT, USOct 3–4, 2026
Advertisers shown in Checking Accounts conversations
22 advertisersRanked by how many of the conversations on this topic ended with their ad on screen; share of the 145 shown ads.
| # | Advertiser | Ads shown | Share |
|---|---|---|---|
| 1 | SoFi | 34 | 23.4% |
| 2 | Nerdwallet | 31 | 21.4% |
| 3 | Thrivent Bank | 24 | 16.6% |
| 4 | Ally Bank® | 21 | 14.5% |
| 5 | EverBank | 7 | 4.8% |
| 6 | Capital One | 5 | 3.4% |
| 7 | Axos Bank | 3 | 2.1% |
| 8 | Chime | 3 | 2.1% |
| 9 | Cash App | 2 | 1.4% |
| 10 | MoneyGram Payment Systems | 2 | 1.4% |
| 11 | Novo | 2 | 1.4% |
| 12 | Allianz | 1 | 0.7% |
| 13 | Fidelity Investments | 1 | 0.7% |
| 14 | Forbes | 1 | 0.7% |
| 15 | Harvest | 1 | 0.7% |
| 16 | Live Oak Bank | 1 | 0.7% |
| 17 | Pioneer Bank - Your Community Bank | 1 | 0.7% |
| 18 | Quicken | 1 | 0.7% |
| 19 | RateZip NMLS ID 1592292 | 1 | 0.7% |
| 20 | Relay | 1 | 0.7% |
| 21 | Tariq Law PC | 1 | 0.7% |
| 22 | TransUnion® | 1 | 0.7% |
Ad formats
| Format | Ads shown | Share |
|---|---|---|
| Text ad (advertiser name and headline) | 145 | 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.
- NerdwalletText ad
Excellent Checking Accounts
Shown 25 times
- SoFiText ad
SoFi Online Savings Account
Shown 23 times
- Ally Bank®Text ad
Ally Bank® Spending Account (Member FDIC)
Shown 12 times
- Thrivent BankText ad
Easy Checking Account Setup
Shown 11 times
- Capital OneText ad
Online Pre-Approval Tool
Shown 3 times
- NovoText ad
Online Business Banking | Novo
Shown 2 times
- EverBankText ad
Open Online Now
Shown 2 times
- Axos BankText ad
Earn up to 5.00% APY*.
Shown 2 times
- Live Oak BankText ad
Bad Banking Breaks Businesses
Shown 1 time
- ChimeText ad
Get Your Paycheck Early
Shown 1 time
- QuickenText ad
Quicken® Budgeting App
Shown 1 time
- HarvestText ad
Turn hours into profit
Shown 1 time
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 “is a rewards checking account worth it”, after the follow-up message, ChatGPT showed an ad from SoFi.
Text ad: “Online Banking With SoFi”
Worth it question · Oct 3, 23:04 ET
In a conversation that began “I was denied a checking account because of an old negative balance at wells fargo, where can I open one”, after the follow-up message, ChatGPT showed an ad from Capital One.
Text ad: “Online Pre-Approval Tool”
Fix or choose question · Oct 3, 23:21 ET
In a conversation that began “schwab investor checking vs fidelity cash management”, after the follow-up message, ChatGPT showed an ad from Thrivent Bank.
Text ad: “Easy Checking Account Setup”
Comparison question · Oct 4, 00:45 ET
In a conversation that began “best checking account with overdraft protection”, after the follow-up message, ChatGPT showed an ad from Nerdwallet.
Text ad: “Excellent Checking Accounts”
Best for question · Oct 3, 23:21 ET
In a conversation that began “mobile deposit rejected, what now”, after the follow-up message, ChatGPT showed an ad from Chime.
Text ad: “Get Your Paycheck Early”
Fix or choose question · Oct 4, 01:22 ET
In a conversation that began “I already invest with fidelity, should I use their cash management account as my main checking instead of my bank”, after the follow-up message, ChatGPT showed an ad from Quicken.
Text ad: “Quicken® Budgeting App”
Long scenario question · Oct 3, 23:17 ET
In a conversation that began “how much is the monthly fee on bank of america advantage relationship banking and how do I avoid it”, after the follow-up message, ChatGPT showed an ad from Ally Bank®.
Text ad: “Ally Bank® Spending Account (Member FDIC)”
Price question · Oct 4, 04:21 ET
In a conversation that began “is chase sapphire banking worth it if I keep $75,000 at chase”, after the follow-up message, ChatGPT showed an ad from EverBank.
Text ad: “Why EverBank?”
Worth it question · Oct 4, 05:47 ET
In a conversation that began “my business partner and I share a personal joint account for a side project, which bank is best for that setup”, after the follow-up message, ChatGPT showed an ad from Novo.
Text ad: “Online Business Banking | Novo”
Long scenario question · Oct 4, 11:12 ET
In a conversation that began “bank of america wire transfer fee”, after the follow-up message, ChatGPT showed an ad from MoneyGram Payment Systems.
Text ad: “MoneyGram: USA to Philippines.”
Price question · Oct 3, 23:04 ET
In a conversation that began “how much does chase charge for an overdraft and can I get it waived”, after the follow-up message, ChatGPT showed an ad from RateZip NMLS ID 1592292.
Text ad: “Compare High-Yield Savings Rates”
Price question · Oct 4, 03:30 ET
In a conversation that began “is chime worth it”, after the follow-up message, ChatGPT showed an ad from TransUnion®.
Text ad: “Get Your Free Credit Report”
Worth it question · Oct 4, 04:52 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 | 20.7% |
| Price | 24 | 16.6% |
| Comparison | 23 | 15.9% |
| Fix or choose | 16 | 11.0% |
| Long scenario | 22 | 15.2% |
| Short search | 15 | 10.3% |
| Worth it | 15 | 10.3% |
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
How does your brand show up in ChatGPT and AI search?
We look at the answers and ads shown for your category and where your brand appears in them.