Credit Union vs Bank ads in ChatGPT
Ads shown in ChatGPT conversations about Credit Union vs Bank. We recorded 151 conversations on this topic in logged-out ChatGPT; after the follow-up message, ChatGPT showed 150 ads from 29 advertisers. Most often shown: Nerdwallet, SoFi and Thrivent Bank.
Our captureLogged-out ChatGPT, USOct 3–4, 2026
Advertisers shown in Credit Union vs Bank conversations
top 25 of 29Ranked by how many of the conversations on this topic ended with their ad on screen; share of the 150 shown ads.
| # | Advertiser | Ads shown | Share |
|---|---|---|---|
| 1 | Nerdwallet | 40 | 26.7% |
| 2 | SoFi | 32 | 21.3% |
| 3 | EverBank | 11 | 7.3% |
| 4 | Thrivent Bank | 11 | 7.3% |
| 5 | Cash App | 8 | 5.3% |
| 6 | penfed.org | 7 | 4.7% |
| 7 | Ally Bank® | 5 | 3.3% |
| 8 | BestMoney | 4 | 2.7% |
| 9 | Axos Bank | 3 | 2.0% |
| 10 | Caribou Financial | 3 | 2.0% |
| 11 | Credible | 3 | 2.0% |
| 12 | Veterans United Home Loans | 3 | 2.0% |
| 13 | Jotform | 2 | 1.3% |
| 14 | Relay | 2 | 1.3% |
| 15 | Rocket Mortgage | 2 | 1.3% |
| 16 | Aura Consolidated Group | 1 | 0.7% |
| 17 | Auto Approve | 1 | 0.7% |
| 18 | Biz2Credit | 1 | 0.7% |
| 19 | CIT Bank | 1 | 0.7% |
| 20 | Driveway | 1 | 0.7% |
| 21 | Kikoff | 1 | 0.7% |
| 22 | Live Oak Bank | 1 | 0.7% |
| 23 | MoneyGram Payment Systems | 1 | 0.7% |
| 24 | Novo | 1 | 0.7% |
| 25 | StackAdapt | 1 | 0.7% |
4 more advertisers shared the other 4 shown ads.
Ad formats
| Format | Ads shown | Share |
|---|---|---|
| Text ad (advertiser name and headline) | 150 | 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 23 times
- SoFiText ad
Online Banking With SoFi
Shown 19 times
- penfed.orgText ad
Pentagon Federal Credit Union
PenFed Home Loans
Shown 7 times
- Ally Bank®Text ad
Ally Bank® Checking Account (Member FDIC)
Shown 4 times
- Axos BankText ad
Earn up to 5.00% APY*.
Shown 3 times
- EverBankText ad
Open Acct Online
Shown 3 times
- Thrivent BankText ad
Easy Checking Account Setup
Shown 3 times
- Cash AppText ad
Easy To Start Today
Shown 2 times
- RelayText ad
Small Business Checking
Shown 2 times
- CredibleText ad
Side-By-Side Offers
Shown 2 times
- Caribou FinancialText ad
Caribou Auto Refinance
Shown 2 times
- JotformText ad
Direct Deposit Authorization Form
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 “how much does alliant charge for its required donation to join”, after the follow-up message, ChatGPT showed an ad from Ally Bank®.
Text ad: “Ally Bank® Checking Account (Member FDIC)”
Price question · Oct 4, 02:37 ET
In a conversation that began “what fees do credit unions charge for out of network atms and do they refund them”, after the follow-up message, ChatGPT showed an ad from Cash App.
Text ad: “Fee-Free Atms Near You”
Price question · Oct 4, 05:39 ET
In a conversation that began “penfed vs navy federal for someone without a military connection”, after the follow-up message, ChatGPT showed an ad from SoFi.
Text ad: “Online Banking With SoFi”
Comparison question · Oct 4, 00:33 ET
In a conversation that began “is navy federal worth joining”, after the follow-up message, ChatGPT showed an ad from Thrivent Bank.
Text ad: “Your New Checking Account”
Worth it question · Oct 4, 04:43 ET
In a conversation that began “how to move direct deposit to a credit union”, after the follow-up message, ChatGPT showed an ad from Jotform.
Text ad: “Direct Deposit Authorization Form”
Fix or choose question · Oct 4, 03:48 ET
In a conversation that began “credit union vs bank for someone who needs a small business account and a personal account”, after the follow-up message, ChatGPT showed an ad from Relay.
Text ad: “Small Business Checking”
Comparison question · Oct 4, 02:04 ET
In a conversation that began “is a credit union mortgage worth it”, after the follow-up message, ChatGPT showed an ad from penfed.org.
Text ad: “PenFed Home Loans”
Worth it question · Oct 4, 01:52 ET
In a conversation that began “I'm a teacher in California, should I join schoolsfirst or stay with my big bank for checking and savings”, after the follow-up message, ChatGPT showed an ad from Nerdwallet.
Text ad: “Excellent Checking Accounts”
Long scenario question · Oct 4, 02:11 ET
In a conversation that began “best credit union for a couple in Ohio who want a joint account and a car loan”, after the follow-up message, ChatGPT showed an ad from EverBank.
Text ad: “Open Online Now”
Best for question · Oct 4, 02:51 ET
In a conversation that began “how much lower are credit union auto loan rates compared to big banks right now”, after the follow-up message, ChatGPT showed an ad from Caribou Financial.
Text ad: “50+ Lenders Checked in Minutes”
Price question · Oct 4, 02:22 ET
In a conversation that began “is joining a credit union worth it just for a better auto loan rate”, after the follow-up message, ChatGPT showed an ad from Auto Approve.
Text ad: “Refinance Your Car”
Worth it question · Oct 4, 00:44 ET
In a conversation that began “credit union money market account rates”, after the follow-up message, ChatGPT showed an ad from Nerdwallet.
Text ad: “Best CD Accounts”
Price question · Oct 4, 03:42 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 | 20.0% |
| Price | 24 | 16.0% |
| Long scenario | 23 | 15.3% |
| Comparison | 22 | 14.7% |
| Fix or choose | 22 | 14.7% |
| Short search | 15 | 10.0% |
| Worth it | 14 | 9.3% |
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
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