Deposits · August 2026

An AI agent shopped for deposit accounts at 25 institutions. Here is what each site delivered.

Find the savings rate, compare two checking products, retrieve the fee schedule, find the routing number, and read the account opening page. Every run used public pages, logged out, reading exactly what each institution delivers.

Run 6 August 2026 · 25 institutions · 125 tasks · independent second pass on every score under 30

57Field average out of 100

89Highest score · State Employees' Credit Union

19/25Deliver a complete fee schedule

29Average score on the application page

Summary

Product terms are widely published. Fees, waiver conditions and fee schedules reach an automated reader as text at most institutions.
Rate values are the most common item to arrive after scripts run, so an agent often reads the rate page without the rate.
Credit unions score highest as a category, and the leading institution publishes rates, fees, routing number and membership requirements all as plain text.
The account opening page is where the field converges, and it is the most straightforward place to gain ground.

Deposits leaderboard

Every institution in the deposits study, ranked by mean score across the five tasks. Select any institution for its full scorecard.

	Institution	Rate	Compare	Fees	Routing	Apply	Mystery Agent score
1	State Employees' Credit UnionCredit union	93	91	92	95	75	89
2	SchoolsFirst Federal Credit UnionCredit union	92	90	87	93	68	86
3	Wells FargoBank	55	92	87	88	68	78
4	SoFiFintech	90	76	88	76	58	78
5	Navy Federal Credit UnionCredit union	92	90	87	95	20	77
6	WealthfrontFintech	92	78	85	80	18	71
7	VaroFintech	92	74	90	78	12	69
8	RobinhoodFintech	90	88	86	15	40	64
9	BettermentFintech	92	78	82	22	35	62
10	Bank of AmericaBank	25	85	88	78	30	61
11	USAACredit union	25	82	87	93	16	61
12	TruistBank	92	90	86	18	15	60
13	Cash AppFintech	90	87	90	18	16	60
14	CurrentFintech	90	72	87	16	27	58
15	U.S. BankBank	80	90	86	15	16	57
16	PayPalFintech	92	70	90	18	15	57
17	ChimeFintech	93	82	65	15	24	56
18	MoneyLionFintech	55	88	88	18	18	53
19	ChaseBank	25	90	85	20	15	47
20	CitiBank	22	90	86	15	17	46
21	TD BankBank	24	90	28	18	48	42
22	Capital OneBank	15	85	50	15	15	36
23	PenFed Credit UnionCredit union	12	12	10	58	40	26
24	Fifth Third BankBank	15	15	15	15	15	15
25	PNCBank	12	12	10	12	10	11

Where the field publishes

The same 25 institutions, read across the five tasks. Darker cells carry higher scores, so the vertical bands show which tasks the whole field publishes openly and which ones arrive after scripts run.

Score by task, every institution in the deposits study

Ranked by overall score. Hover any cell for the detail.

Lower scoreHigher score

Average score by task

Mean across all 25 institutions in the deposits study.

Average score by category

Mean of the institution scores within each category.

What the pattern shows

19 of 25Institutions deliver a complete fee schedule as readable text or a public document.

9 of 25Institutions publish the routing number openly. Two place it in site navigation on every page.

3 of 25Institutions state what an applicant needs before the interactive form loads.

Product terms reach an automated reader at almost every institution. Prices, waiver conditions and fee schedules are widely published as text.

Rate values are the most common item to arrive after scripts run, because rates are drawn from a pricing service while product terms sit in the page template.

The account opening page is the most consistent pattern in the study. Most institutions build that page in the browser, so an automated reader arrives before the requirements are stated.

Read the report · Download the PDF · How the study works · Mystery Agent hub