AI Indexes
Finance AI Index
Index › Treasury and cash › Business banking › Novo vs Bank of America
Business banking · October 2026 Edition

Novo vs Bank of America

Zero of fourteen models named Novo first on the direct prompt; two named Bank of America. Novo was named by eleven of the fourteen models and Bank of America by thirteen and Novo carries 22 labels and Bank of America 36, so the shares are not directly comparable.

Novo

accepted challenger

Named in one category this edition.

Bank of America

accepted challenger

Named in two categories this edition.

First-choice share10%4%Of first choices across the direct, paraphrase, budget and scale prompts, 0 to 100.
Negative rate5%19%Negative labels as a share of the product's labels, 0 to 100.
Rank in category#4#6A position in a field of 14; printed, not drawn.
Labels2236A count; the two differ.
The two percentage rows are drawn on one 0 to 100 track, Novo reading right to left. Rank and label count are printed, not drawn.Mercury vs Novo · Mercury vs Bank of America · Rho 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.
NovoFirst choices, of fourteen modelsBank of America
Direct02
Paraphrase001 against Bank of America
Comparative02
Budget-constrained502 against Bank of America
Scale-constrained001 against Bank of America
Negative101 against Novo · 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, Novo and Bank of America were named in the same answer twenty-five times, of the 60 answers naming Novo and the 109 naming Bank of America. In those answers Bank of America took the first choice zero times and Novo six.

Every model, every framing

The eighty-four answers behind the chart above, one cell each: where Novo and Bank of America stood in it.
ModelDirectParaphraseComparativeBudget-constrainedScale-constrainedNegative
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
Novo Bank of America first choice named as an alternative argued againstblank: not namedEach cell is one answer, Novo on the left and Bank of America on the right.

The direct prompt

The plain question, one answer per model, grouped by where Novo and Bank of America stood in it.

Bank of America first, Novo not the choice

2 of 14 modelsNovo 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
GLM 4.7 FlashXMercury alternatives: Airwallex, Bank of America, Brex, Chase Business Banking
GPT-6 LunaJ.P. Morgan Commercial Banking alternatives: Bank of America, Citibank, U.S. Bank

Neither was named

6 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
Kimi K2Chase Performance Business Checking alternatives: Brex, Mercury, Relay
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
Novo leads by eleven points.
Novo11%#3 of 12
Bank of America0%#11 of 12
The full small business standing →
Mid-marketThe figures above
Novo leads by six points.
Novo10%#4 of 14
Bank of America4%#6 of 14
The full mid-market standing →
Enterprise
The order flips: Bank of America leads at enterprise.
Bank of America8%#4 of 11
Novo0%#– of 11
The full enterprise standing →

What the models said about Novo

Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Four of five in this category shown.

“Online platforms like Novo or Lili are great for lean startups, but they lack a physical branch presence.” Gemini 3.5 Flash · negative prompt · soft negative
“Zero-cost digital first: Novo or American Express Business Checking if you want 100% free with no minimums and no fees on ACH/wires.” Muse Glimmer 30B · budget prompt · first choice
“Opt for established options like Novo, Lili, or traditional banks (e.g., Wells Fargo) with fewer closure complaints.” Grok 4.1 Fast · negative prompt · first choice
“If you want a simple, fee‑free online account: Go with Novo, Bluevine, or Lili.” GLM 4.7 FlashX · budget 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

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.