Business banking · October 2026 Edition
Mercury vs Bank of America
One of fourteen models named Mercury first on the direct prompt; two named Bank of America. Mercury was named by fourteen of the fourteen models and Bank of America by thirteen and Mercury carries 44 labels and Bank of America 36, so the shares are not directly comparable.
Named in seven categories this edition.
Named in two categories this edition.
First-choice share23%4%Of first choices across the direct, paraphrase, budget and scale prompts, 0 to 100.
Negative rate18%19%Negative labels as a share of the product's labels, 0 to 100.
Rank in category#1#6A position in a field of 14; printed, not drawn.
Labels4436A count; the two differ.
The two percentage rows are drawn on one 0 to 100 track, Mercury reading right to left. Rank and label count are printed, not drawn.Mercury vs Rho · Mercury vs Bluevine · Mercury vs Novo
Share is the count of first choices across the direct, paraphrase, budget and scale prompts over all fourteen models, for a mid-market B2B company; rank is within the category; every quote names the model and the prompt it came from. Both figures come from the business banking page.
By framing
How many of the fourteen models made each the first choice, per way of asking, and how many argued against it.
MercuryFirst choices, of fourteen modelsBank of America
Direct122 against Mercury
Paraphrase601 against Bank of America
Comparative12
Budget-constrained502 against Bank of America
Scale-constrained001 against Bank of America
Negative006 against Mercury · 3 against Bank of America
Bars are first choices, 0 to 14 each sideModels that argued againstA model can name both, so the two sides of a row do not sum to fourteen.
Across every category in the October 2026 Edition, Mercury and Bank of America were named in the same answer sixty-two times, of the 194 answers naming Mercury and the 109 naming Bank of America. In those answers Bank of America took the first choice six times and Mercury twelve.
Every model, every framing
The eighty-four answers behind the chart above, one cell each: where Mercury and Bank of America stood in it.
| Model | Direct | Paraphrase | Comparative | Budget-constrained | Scale-constrained | Negative |
|---|---|---|---|---|---|---|
| Claude Haiku 4.5 | | |||||
| GPT-5.4 mini | | | | | ||
| Gemini 3.5 Flash | | | | | | |
| Perplexity Sonar | | |||||
| Grok 4.1 Fast | | | | | | |
| Mistral Small | | | ||||
| DeepSeek V4 Flash | | | | | | |
| Llama 4 Maverick | ||||||
| Qwen 3.7 Flash | | | | | | |
| Kimi K2 | | | | | | |
| GLM 4.7 FlashX | | | | |||
| MiniMax M2.5 | | | | |||
| GPT-6 Luna | | | ||||
| Muse Glimmer 30B | | | |
Mercury Bank of America first choice named as an alternative argued againstblank: not namedEach cell is one answer, Mercury on the left and Bank of America on the right.The direct prompt
The plain question, one answer per model, grouped by where Mercury and Bank of America stood in it.
Mercury first, Bank of America an alternative
1 of 14 modelsBank of America was named in the answer but not as the choice, or not at all.GLM 4.7 FlashXMercury alternatives: Airwallex, Bank of America, Brex, Chase Business Banking
Bank of America first, Mercury not the choice
2 of 14 modelsMercury was named in the answer but not as the choice, or not at all.DeepSeek V4 FlashBank of America, Chase Business Banking alternatives: Capital One
Muse Glimmer 30BBank of America, Chase Business Banking
Neither was the first choice, one was named
6 of 14 modelsThe answer put something else first and named one of the two as an alternative.GPT-5.4 miniJ.P. Morgan Commercial Banking alternatives: Bank of America, Wells Fargo Commercial Banking
Gemini 3.5 FlashRho alternatives: Bank of America, Brex, Chase Business Banking, Mercury, Ramp
Grok 4.1 FastChase Business Banking alternatives: Bank of America, Capital One
Qwen 3.7 FlashRamp alternatives: Aspire, Bank of America, Chase Business Banking, Mercury, Oxygen Banking
Kimi K2Chase Performance Business Checking alternatives: Brex, Mercury, Relay
GPT-6 LunaJ.P. Morgan Commercial Banking alternatives: Bank of America, Citibank, U.S. Bank
Neither was named
5 of 14 modelsThe answer made no first choice from these two in this category.Claude Haiku 4.5Chase Business Banking alternatives: Bluevine Premier Business Checking, KeyBank, Relay
Perplexity SonarRho alternatives: Airwallex, Brex, Capital One Enhanced Checking
Mistral SmallCapital One alternatives: PNC Bank Treasury Enterprise Plan, Truist Bank, Wells Fargo
Llama 4 Maverickno first choice
MiniMax M2.5PNC Bank alternatives: Capital One, First Internet Bank, Rho, Wise Business
Bold names in an answer are the products the judge labeled a first choice; a model naming several gives each of them that label. The full answer text for every row is in the record.
By buyer segment
The same question asked on behalf of a different buyer. Each standing is computed within its segment and they are never added together. The figures above are the mid-market standing, which is the one the category orders by.
Small business
Mercury leads by thirty-five points.
Mercury35%#1 of 12Bank of America0%#11 of 12Mid-marketThe figures above
Mercury leads by nineteen points.
Mercury23%#1 of 14Bank of America4%#6 of 14Enterprise
Level: the same share of first choices.
Mercury8%#5 of 11Bank of America8%#4 of 11What the models said about Mercury
Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Six of eight in this category shown.
“Mercury, Relay, and BlueVine draw approximately four times the complaints of other business banking providers” MiniMax M2.5 · negative prompt · hard negative
“Highest rate of negative reviews among business banks (15.4/month), with ~41% citing sudden account closures” Grok 4.1 Fast · negative prompt · hard negative
“Accounts are being closed or frozen at an unusually high rate ... Highest-Caution Fintech Providers” DeepSeek V4 Flash · negative prompt · hard negative
“For a US startup with a tiny budget: Novo or Mercury (both completely free with $0 minimums and excellent features).” DeepSeek V4 Flash · budget prompt · first choice
“Bluevine or Mercury currently offer the best combination of zero fees, features, and accessibility” MiniMax M2.5 · budget prompt · first choice
“Mercury has effectively become the default operating account for mid-market B2B companies.” GLM 4.7 FlashX · direct prompt · first choice
What the models said about Bank of America
Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Six of eight in this category shown.
“Widely criticized by small businesses for high monthly fees and rigid compliance requirements.” Gemini 3.5 Flash · negative prompt · hard negative
“Long holds on business deposits (7+ days), payment issues, account freezes, poor support.” Grok 4.1 Fast · negative prompt · hard negative
“BOA sees a high volume of CFPB complaints regarding account closures.” Qwen 3.7 Flash · negative prompt · hard negative
“Bank of America Global Commercial Banking with Business Advantage checking and CashPro treasury services for dedicated commercial relationship coverage.” Muse Glimmer 30B · direct prompt · first choice
“Chase and Bank of America are the banks most cited for businesses that need branch access.” Muse Glimmer 30B · comparative prompt · first choice
“Go with JPMorgan Chase or Bank of America as your primary bank.” DeepSeek V4 Flash · direct prompt · first choice
Also compared
Mercury vs RhoMercury vs BluevineMercury vs NovoMercury vs Chase Business BankingMercury vs BrexMercury vs RelayRho vs Bank of AmericaBluevine vs Bank of AmericaNovo vs Bank of AmericaChase Business Banking vs Bank of AmericaBank of America vs BrexBank of America vs RelayAll twenty-eight head-to-head pages and the full business banking standing
Comparisons are drawn for the top eight products in each category, each against each. The output is the models' output; nothing here is a recommendation by the index.