Of 60 answers

The most named companies in the study, and S&P 500 financials, with how many of their 60 AI answers named them.

SWIFT47/60TRANSUNION46/60EXPERIAN42/60COINSTAR41/60NAVY FEDERAL CREDIT UNION41/60ZELLE41/60BLOOMBERG L.P.38/60TRADINGVIEW38/60BANCO POPULAR DE PUERTO RICO37/60PAYPAL37/60VENMO37/60CHEXSYSTEMS33/60EQUIFAX33/60MORNINGSTAR32/60S&P GLOBAL31/60ALPACA MARKETS30/60COINBASE30/60PINWHEEL29/60STRIPE29/60XERO29/60ACORNS28/60AFFIRM28/60PAYFAST (PAYGATE)28/60PAYONEER28/60INTERACTIVE BROKERS26/60CHARLES SCHWAB19/60THE HARTFORD9/60MOODY'S21/60CME GROUP19/60ACCENTURE11/60CHUBB10/60MORGAN STANLEY6/60AMERICAN EXPRESS14/60SYNCHRONY FINANCIAL12/60FACTSET20/60NASDAQ19/60ALLSTATE11/60WELLS FARGO18/60PAYCHEX10/60ARES MANAGEMENT3/60
Rezolve Ai
MethodDemo
Back to the study
AI visibility statementFinance AI Visibility Study 2026Issued October 14, 2026
Account holder

Chime

chime.com

Digital banks and neobanksBanking

Money20/20 attendee

Statement period
October 9, 2026
when the AI assistants were asked
Account no.
717 of 2,219
its rank by overall score
Place in its category
8th of 32 digital banks
Closing balance

Named in

15of 60 answers

by 4 of 4 assistants

Statement note

What this means for Chime

AI assistants name this digital bank in 25% of answers, while the typical company in its sector is not named at all. Its overall score is 33 out of 100, ranking 717th of 2,219 in the study. The company's website passes 0 of 14 technical checks for AI tool readiness.

We asked 15 unbranded questions about its market, so no question mentioned Chime by name. AI assistants named it in 15 of the 60 answers. Counting only how often it is named, it ranks 22nd of 394 in its sector. The typical banking company is named in 0.0% of answers.

Overall score
33Overall score
  • Visibility27
  • Citations3
  • Sentiment97
  • Site quality33
  • AI readiness0
Summary of account
Named by AI in
25.0%
15 of 60 answers
Share of mentions
32.6%
of the mentions of it and its 5 peers
AI readiness
0/14
technical checks passed. Typical for its sector: 3
Rank in its sector
107 of 394
by overall score, where the typical banking company scores 28

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Line itemsSection 01

Every question, and where the company came up

Chime came up on 5 of 15 questions. Open any window to read that answer.

  1. 01What are the main alternatives to neobanks for digital banking in the US?0/4
  2. 02Mobile banking apps vs online-only banks: which is better for managing daily finances?0/4
  3. 03How can I resolve issues with setting up early direct deposit on a mobile banking app?0/4
  4. 04Are there credit unions with features similar to mobile banking platforms?0/4
  5. 05How do mobile banking services help with budgeting and controlling spending?0/4
  6. 06Do US mobile banking accounts really offer no monthly maintenance fees?2/4
  7. 07How does a neobank compare to a traditional bank in terms of hidden fees and ease of use?0/4
  8. 08Are neobank accounts safe for direct deposit and everyday transactions?1/4
  9. 09Which mobile banking solutions offer early access to direct deposit in the US?4/4
  10. 10Which digital banks in the US offer strong financial tools for managing money on-the-go?4/4
  11. 11Is it worth opening an account with a mobile banking platform instead of a regular bank?0/4
  12. 12What fees should I watch out for with US-based mobile banking services?0/4
  13. 13Can I pay bills and transfer money easily through a neobank account?0/4
  14. 14What are the best mobile banking platforms for people who want fee-free checking accounts?4/4
  15. 15What should I do if my mobile banking app is blocked or I can’t access my account?0/4
Total namedOpenAI: 4/15Claude: 4/15Perplexity: 3/15Gemini: 4/15All assistants: 15/60
named the companyanswered without naming itdid not answer

Columns, left to right: OpenAI, Claude, Perplexity, Gemini. Across the study, on 50% of the questions where a company is named, only one AI assistant names it.

Transaction detailSection 02

What OpenAI actually said

An answer that names the company

OpenAInamed the company

“What are the best mobile banking platforms for people who want fee-free checking accounts?”

Short answer — good mobile-first, genuinely no-monthly-fee checking options to consider (and why):

1) Chime — simple, mobile-first checking with no monthly maintenance fee, no minimum balance, early direct deposit and fee-free overdraft options up to a small limit. Good if you want the easiest, most consumer-friendly app experience. (chime.com)

2) Varo Bank — fully digital bank with no monthly maintena …

The AI’s answer as we received it, shortened and not checked for accuracy.

PayeesSection 03

Where the mentions went

The companies these answers named, and how the mentions were split between this company and its peers.

Also named

CompanyTimes named
  1. 01
    Ally Bank
    16
  2. 02
    Varo
    9
  3. 03
    Current
    9

Share of mentions

CompanyShare
  1. Chime
    32.6%
  2. Ally Bank
    21.7%
  3. Varo
    19.6%
  4. Current
    15.2%
  5. SoFi Checking & Savings
    10.9%
  6. GO2bank
    0.0%
ReferrersSection 04

Websites the AI used as sources

How many times each website was listed as a source in these answers

  1. 01
    bankrate.com
    21
  2. 02
    chime.com (its own website)
    13
  3. 03
    nerdwallet.com
    9
  4. 04
    sofi.com
    8
  5. 05
    smartasset.com
    8
  6. 06
    usbank.com
    8
  7. 07
    crediful.com
    8
  8. 08
    moneylion.com
    7
  9. 09
    forbes.com
    7
  10. 10
    finder.com
    6

Chime is in the study as a digital bank.

By assistantSection 05

Which AI assistants named the company

Answers naming it, out of answers received

Gemini
4/15
Claude
4/15
OpenAI
4/15
Perplexity
3/15
Market comparisonSection 06

How Chime compares with all 2,219 companies

Every tower is a company in the study, taller for a higher overall score and lit where AI assistants named it. Its own group stays lit. Hover a tower to see it, and click to open it.

What makes up the score

Each part is scored out of 100.

Visibility
27

How often AI assistants name the company, and how that compares with its peers

Citations
3

How often AI uses the company's own website as a source

Sentiment
97

How positively AI describes the company

Site quality
33

How well built the website's own pages are

AI readiness
0

How easily AI tools can read and use the website

Visibility is calculated from the answers on this page. How the score is built.

Against its sectorSection 07

Compared with banking companies

394 companies in this sector. The gold tick on each bar is the typical company.

Overall score
33
Ranks 107 of 394. Typical company: 28
Named in answers
25.0%
Ranks 22 of 394. Typical company: 0.0%
AI readiness
0
Ranks 381 of 394. Typical company: 29
Against its categorySection 08

Compared with digital banks

32 companies in this category. The gold tick on each bar is the typical company.

Overall score
33
Ranks 8 of 32. Typical company: 28
Named in answers
25.0%
Ranks 1 of 32. Typical company: 0.0%
AI readiness
0
Ranks 32 of 32. Typical company: 29
AI agentsSection 09

Ready for AI agents

What this website publishes for an AI agent to read, use and pay through, on a scale of six levels.

This website turned most of our scan away, so it has no level. None of the checks could run. That reflects the website’s rules for automated visitors, and an AI agent arriving by itself meets the same rules.

Can an AI agent check out here?

We could not tell. The website turned away our requests for the files an agent would read. An agent arriving by itself is turned away the same way.

Agent payment protocols
  • x402Not present
  • MPPCould not check
  • AP2Not present
  • ACPCould not check
  • UCPCould not check
Interfaces for AI agents
  • MCP Server CardCould not check
  • A2A Agent CardCould not check
  • Agent SkillsCould not check
  • API CatalogCould not check
  • llms.txtCould not check
  • WebMCPCould not check
Show every check, for your technical team
Discoverability
  • robots.txtCould not check

    Publish a valid robots.txt with crawl rules and a Sitemap line.

    study: 86.1%
  • SitemapCould not check

    Serve an XML sitemap and reference it from robots.txt.

    study: 87.9%
  • Link headersCould not check

    Send Link headers such as rel="api-catalog" or rel="describedby" on the homepage.

    study: 1.5%
  • DNS for AI DiscoveryNot present

    Advertise agent endpoints with SVCB records under _agents.

    study: 4.3%
Content accessibility
  • Markdown negotiationCould not check

    Return a markdown version when asked with Accept: text/markdown, for example at the CDN.

    study: 6.2%
  • llms.txtCould not check

    Publish an llms.txt with a short summary and the key links.

    study: 31.0%
Bot access control
  • AI bot rulesCould not check

    Add explicit robots.txt groups for the main AI crawlers.

    study: 92.7%
  • Content SignalsCould not check

    Add a Content-Signal line for search, ai-input and ai-train to robots.txt.

    study: 2.3%
  • Web Bot AuthCould not check

    Only relevant if you run your own agents or crawlers: publish a signing key directory.

    study: 0.3%
APIs, auth and MCP
  • API CatalogCould not check

    List public APIs in a linkset at /.well-known/api-catalog.

    study: 1.3%
  • OAuth discoveryCould not check

    Publish OpenID Connect or OAuth server metadata under /.well-known.

    study: 6.3%
  • OAuth Protected ResourceCould not check

    Serve protected resource metadata at /.well-known/oauth-protected-resource.

    study: 5.3%
  • auth.mdCould not check

    Publish an auth.md describing how agents sign in.

    study: 0.2%
  • MCP Server CardCould not check

    Offer an MCP server and publish its server card under /.well-known.

    study: 0.8%
  • A2A Agent CardCould not check

    Publish an agent card at /.well-known/agent-card.json.

    study: 0.2%
  • Agent SkillsCould not check

    Publish a skills index with the main tasks agents can do.

    study: 1.0%
  • WebMCPCould not check

    Register key actions such as search or cart as WebMCP tools.

    study: 0.0%
  • ARD manifestCould not check

    Publish an ai-catalog.json listing every agent interface.

    study: 0.2%

0% of checks could run · checked on October 9, 2026 · chime.com · 2,200 companies scanned

See how every company did, and how this was measured.

AI readinessSection 10

The checks behind the AI readiness score

0 of 14 passed. This list is for your technical team. The percentage is how many companies in the study pass each check.

These 14 checks ran during the audit and are what the AI readiness part of the overall score counts. The scan above ran later and is stricter on Link headers and Markdown, so a check can pass here and not there.

Show the 14 checks

Discoverability

  • Not metrobots.txt publishedstudy: 85.1%
  • Not metXML sitemapstudy: 79.4%
  • Not metHTTP Link headers (RFC 8288)study: 42.5%

Content Accessibility

  • Not metMarkdown content negotiationstudy: 7.4%
  • Not metllms.txt publishedstudy: 28.1%
  • Not metToken budget (page weight)study: 97.3%

Bot Access Control

  • Not metExplicit AI bot rulesstudy: 11.5%

API / Auth / MCP

  • Not metAPI Catalog (.well-known/api-catalog)study: 1.1%
  • Not metOAuth Authorization Server discoverystudy: 5.2%
  • Not metOAuth Protected Resource discoverystudy: 4.6%
  • Not metMCP Server Cardstudy: 0.2%
  • Not metA2A Agent Cardstudy: 0.0%
  • Not metWebMCP toolsstudy: 0.3%
  • Not metAgent Skills declaredstudy: 0.1%
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ShareSection 11

Share this result

Overall score 33 of 100 badge for Chime

A badge of this result that you can show on your own website. Copy the code below.

<a href="https://aeo-audit.rezolve.com/us/finance/chime.com"><img src="https://aeo-audit.rezolve.com/finance/badges/chime.com.svg" alt="Overall score 33 of 100, Finance AI Visibility Study 2026" width="280" height="64"></a>
End of statement
All 2,219 companiesHow we measured this
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