Deposits · August 2026
Robinhood publishes rates and fees but keeps its routing number in-app
An AI agent ran five ordinary deposits tasks on the public pages of Robinhood and scored what each page delivered.
Run 6 August 2026 · five tasks · public pages, logged out · Fintech
64/100
Mystery Agent score
Deposits · rank 8 of 25
Savings rate
90Served as text
Checking comparison
88Served as PDF
Fee schedule
86Served as PDF
Routing number
15Arrives after scripts
Application page
40Partly served
Summary
- Robinhood states its exact checking and savings APY as plain text on its banking page, with a clear effective date.
- An agent read a complete fee schedule broken out by account tier inside the linked Deposit Account Agreement PDF.
- robots.txt and sitemap.xml stay open, leading an agent straight to a full support-article map without any guessing.
- Publishing the routing number as static text inside the Deposit Account Agreement PDF would answer a question only the app answers today.
Robinhood also appears in the Credit Cards study, where it scores 73 and ranks 12 of 25.
See that scorecard.
Task by task
Each task is scored out of 100 on completion, answer quality and how directly the answer was reached. Each note describes what the page delivered, with a link to the page the answer was found on.
Task 01Savings rateServed as text90 out of 100
The banking page states High-yield checking pays 3.50% APY with no cap, and a table row confirms Savings APY at 3.50% too, dated accurate as of 7/27/2026, all as plain visible text.
Task 02Checking comparisonServed as PDF88 out of 100
Robinhood maps its Standard and Premier relationship tiers side by side in a linked PDF, showing no monthly maintenance fee for either and Premier waiving the $25 wire fee and $2.50 out-of-network ATM fee that Standard still pays.
Task 03Fee scheduleServed as PDF86 out of 100
The Deposit Account Agreement PDF holds a complete Schedule B fee section with two tables covering wire, ATM, debit card, checkbook, overdraft, NSF, and foreign currency exchange fees, all extracted cleanly as text.
Task 04Routing numberArrives after scripts15 out of 100
The routing number lives inside the app after login; the Wire Transfers and Direct Deposit support articles both point to on-screen instructions generated there for each account.
Task 05Application pagePartly served40 out of 100
The 'Request access' button leads to an early-access page with a single email-capture field, reflecting honestly that Robinhood Banking checking and savings accounts stay in a waitlist stage rather than open enrollment.
Robinhood states High-yield checking pays 3.50% APY with no cap, effective as of 7/27/2026.
The application page
What the account opening page states to a reader that runs no scripts.
107,611Bytes delivered
1,696Characters of visible text
1Form fields in the first response
After scripts runWhat an applicant needs
Strengths and opportunities
What is working
- Robinhood publishes the exact savings and checking APY as plain visible text on its banking page, complete with an effective date, with no login or script execution required to read it.
- The linked Deposit Account Agreement PDF contains a complete, well-organized fee schedule broken out by relationship tier that pdftotext reads cleanly, so the full fee picture is available without a browser.
- robots.txt and sitemap.xml are open and lead an agent straight to a full support-article sitemap, making page discovery fast and predictable rather than a guessing game.
Opportunities
- Publish the routing number for the spending, checking, and savings accounts as static text, for example inside the Deposit Account Agreement PDF, since today it only appears on an authenticated in-app screen and no delivered page can answer that question.
- Serve /llms.txt with real content instead of a raw S3 AccessDenied error, so agent-facing traffic gets a defined channel rather than a permissions fault.
- Add the actual account-opening requirements (SSN, ID, funding source, eligibility) to the Robinhood Banking early-access page, even ahead of general availability, so an agent reading the application page today learns what will be required rather than only capturing an email.
- Give the Standard and Premier relationship tiers a clearer side-by-side product page, since right now the full tier-by-tier comparison lives only inside a legal PDF rather than the marketing page itself.
Access
Every page the agent requested was delivered on the first attempt. Publishing an llms.txt file would give agent traffic a documented entry point.
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