JPMorgan Chase & Co. AI Visibility Market Strategy Report - Certificates of Deposits

Answer Capsule

JPMorgan Chase & Co. is the most-mentioned brand in the October 2026 certificates of deposits benchmark, with a raw mention presence rate of 79.50%, yet it converts that presence into valid recommendation coverage of only 5.59%. The benchmark shows a clear presence-to-recommendation gap: the brand is referenced constantly but shortlisted far less often than Capital One (27.33%) or American Express (24.84%). Its clearest win is rank-one placement efficiency, where it converts a small number of recommendations into the highest rank-one rate among the tracked set at 3.11%. Its clearest weakness is recommendation conversion, and its clearest opportunity is closing the gap between being named and being chosen in the consideration-stage prompt cluster that carries the entire qualified benchmark.

Who This Report Is For

This report is written for JPMorgan Chase & Co. marketing, brand, and digital strategy leaders who need to understand how the bank is represented in AI-generated certificate of deposit recommendations, and for category analysts tracking how large U.S. banks compete at the recommendation stage of AI-led discovery.

Report Card

Executive Summary

JPMorgan Chase & Co. holds the highest raw mention presence rate in the October 2026 certificates of deposits benchmark at 79.50%, ahead of Capital One and Goldman Sachs Group at 77.64% and Bank of America Corp. at 75.16%. That presence does not convert into recommendation-stage strength. The bank recorded 9 valid recommendations across 161 qualified observations, a valid recommendation coverage rate of 5.59%, placing it seventh of ten tracked brands.

The gap between presence and recommendation is the central finding. JPMorgan Chase appears in roughly four of every five qualified observations but is recommended in roughly one of every eighteen. Capital One, by comparison, appears in 77.64% of observations and is recommended in 27.33%. The benchmark therefore shows a brand that AI systems reference frequently as context, comparison anchor, or category example, but do not consistently place on the buyer shortlist.

The strongest signal for JPMorgan Chase is placement quality when it does earn a recommendation. Its rank-one rate of 3.11% is the highest among all tracked brands, and its average recommended rank of 1.75 is the best in the category. When AI systems do recommend the bank, they tend to recommend it first. The weakness is volume: only 7 top-three placements and 5 rank-one placements were recorded across the qualified set.

The strongest platform signal is Google AI Overviews, where the bank recorded an 8.89% valid recommendation coverage rate and 4 valid recommendations, the largest single-platform contribution to its total. Google AI Mode also produced a 5.00% coverage rate with 1 valid recommendation and 1 rank-one placement. Perplexity produced an 11.76% coverage rate with 2 valid recommendations and 1 rank-one placement, the highest coverage rate the bank achieved on any single platform.

The clearest platform gap is Gemini and ChatGPT. On Gemini, JPMorgan Chase recorded 31 mentions and zero valid recommendations. On ChatGPT, it recorded 12 mentions and zero valid recommendations. Both platforms returned neutral or negative framing without recommendation credit, which means the bank is present in those answers without being shortlisted.

The benchmark also surfaced seven high-severity factual inconsistencies involving JPMorgan Chase across six AI platforms, concentrated on total asset figures and one headquarters location claim. These inconsistencies do not directly measure recommendation behavior, but they indicate that the public evidence layer feeding AI answers about the bank is not producing a stable factual baseline.

What JPMorgan Chase & Co. Is Winning

Questions This Section Answers

• Where does JPMorgan Chase actually outperform competitors in the certificates of deposits benchmark?
• How strong is JPMorgan Chase's placement quality when AI systems do recommend it?

JPMorgan Chase & Co. holds the highest raw mention presence rate in the certificates of deposits benchmark at 79.50%, ahead of every other tracked brand. That is a genuine visibility position and it reflects the bank's standing as the largest U.S. bank by assets.

The bank also holds the best average recommended rank in the category at 1.75, ahead of Morgan Stanley at 2.33 and Wells Fargo & Co. at 1.67 on a much smaller sample. Its rank-one rate of 3.11% is the highest among all tracked brands, and its 5 rank-one placements are the most recorded by any brand in the qualified set.

Placement efficiency is the clearest evidence-backed win. When AI systems do place JPMorgan Chase on a shortlist, they place it at or near the top. The bank is not being recommended often, but it is being recommended prominently.

The bank also recorded the highest captured share of AI opportunity among the non-leaders at 6.65%, behind Capital One at 8.63% and ahead of Wells Fargo & Co. at 6.03%. That figure reflects the combination of its rank-one placements and its substantial visibility assist contribution.

Where JPMorgan Chase & Co. Has the Clearest AI Visibility Gaps

Questions This Section Answers

• Why does JPMorgan Chase's 79.50% mention presence convert into only 5.59% recommendation coverage?
• Which platforms show the bank as visible but not shortlisted at all?
• What does the cluster concentration in Brand Recommendation alone mean for JPMorgan Chase's deposit decision prompts?

The clearest gap is recommendation conversion. JPMorgan Chase appears in 79.50% of qualified observations but earns valid recommendation credit in only 5.59%. Capital One converts 77.64% presence into 27.33% coverage. American Express converts 44.72% presence into 24.84% coverage. The benchmark shows that JPMorgan Chase is being used as a reference point far more often than it is being recommended as a choice.

The second gap is platform-level absence of recommendation credit. On Gemini, the bank recorded 31 mentions, 30 of them neutral and 1 negative, with zero valid recommendations and zero top-three placements. On ChatGPT, it recorded 12 mentions, 11 neutral and 1 negative, with zero valid recommendations. These are platforms where the bank is visible but not shortlisted at all.

The third gap is negative framing concentration. JPMorgan Chase recorded 5 negative mentions, the highest count among tracked brands, alongside 112 neutral mentions and 11 positive mentions. Its net sentiment score of 0.0469 is the second lowest in the tracked set after Bank of America Corp. at 0.0083 and Wells Fargo & Co. at 0.0000. The bank is not being framed negatively at scale, but its framing is overwhelmingly neutral, which does not support recommendation conversion.

The fourth gap is cluster concentration. All 161 qualified observations fell into the Brand Recommendation cluster. The Pricing & Value and Multi-Brand Comparison clusters recorded zero qualified observations in October 2026. JPMorgan Chase therefore has no measured recommendation position in rate comparison or head-to-head evaluation prompts, which are the prompt types most likely to precede a deposit decision.

Biggest Opportunity

Questions This Section Answers

• Where is JPMorgan Chase losing recommendation credit despite already winning on placement quality?
• How many additional valid recommendations would closing the coverage gap to American Express's level produce?

The single biggest opportunity is converting JPMorgan Chase's dominant mention presence into recommendation credit inside the Brand Recommendation cluster, specifically on Gemini and ChatGPT, where the bank currently records zero valid recommendations despite substantial mention volume.

The benchmark shows that the bank already wins when it is placed. Its average recommended rank of 1.75 and rank-one rate of 3.11% are the best in the category. The problem is not placement quality, it is placement frequency. If the bank moved from 9 valid recommendations to a coverage rate comparable to American Express at 24.84%, it would add roughly 31 additional valid recommendations across the qualified set without changing its presence rate at all.

The prompt evidence points to where that conversion is failing. Prompts such as "What is the highest CD rate right now?" and "Which bank is offering the highest CD rates right now?" produced recommendations for competitors while JPMorgan Chase appeared as context. The bank's own rate and product pages are not surfacing as the recommendation-shaping source in those answers. Closing that gap is the clearest path from reference to recommendation.

Competitive Landscape

Questions This Section Answers

• How does JPMorgan Chase's recommendation coverage compare to Capital One and American Express?
• Why does JPMorgan Chase rank seventh in coverage despite having the highest presence in the set?

Capital One holds the strongest recommendation-stage position in the certificates of deposits category at 27.33% valid recommendation coverage, followed by American Express at 24.84% and Bread Savings at 16.15%. JPMorgan Chase & Co. sits seventh of ten tracked brands at 5.59% coverage, despite holding the highest raw mention presence rate in the set.

Average recommended rank covers rank-eligible recommendations only.

JPMorgan Chase & Co. ties Goldman Sachs Group on top-three rate at 4.35% but holds a materially higher rank-one rate at 3.11% against Goldman Sachs Group's 0.62%. Its average recommended rank of 1.75 is the strongest in the table, which means the bank's placements are fewer but higher. The table shows a brand with elite placement quality and limited placement volume relative to the category leaders.

AI Response Inconsistency Alerts

Questions This Section Answers

• What kinds of factual inconsistencies about JPMorgan Chase appeared across AI platforms?
• Where did AI platforms disagree on JPMorgan Chase's total assets or headquarters location?

Seven high-severity factual inconsistencies involving JPMorgan Chase & Co. were detected across six AI platforms: ChatGPT, Copilot, Gemini, Google AI Mode, Google AI Mode keywords, and Google AI Overviews keywords. All seven were classified as high severity with confidence scores between 0.90 and 0.95.

Five of the seven conflicts concern JPMorgan Chase's total assets, and the reported figures span a range of more than $1.4 trillion. When asked "What are the top 10 banks?", Google AI Mode stated that JPMorgan Chase has "$3.46+ trillion in assets," citing Investopedia and an AlphaSense page on the largest banks by market cap, while Gemini stated approximately "$4.90 trillion" in assets. The two figures cannot both be accurate. A flagged source on the Google AI Mode side, an MX.com page on the biggest U.S. banks by asset size, listed JPMorgan Chase at $3,643,099,000 in total assets, while a flagged source on the Gemini side, a Visual Capitalist ranking of the world's 50 largest banks by assets, listed the bank at $4,400.

A second conflict on the same topic appeared when ChatGPT and Gemini were asked "What are the 25 largest banks in the United States?" ChatGPT stated approximately "$4.0 trillion," citing the Federal Reserve Board's list of U.S. domestically chartered commercial banks and the FFIEC's large holding companies page, while Gemini stated "$4.90 trillion." The two answers describe the same bank at the same point in time with figures that differ by roughly $900 billion.

A third conflict appeared when Google AI Mode and Gemini were asked "What are the top 10 banks in the US?" Google AI Mode stated approximately "$4.01 trillion," citing an eMarketer data drop on the top 10 biggest U.S. banks by assets, a SmartAsset page on the top 10 banks in America by assets held, and a U.S. News & World Report article, while Gemini stated "$4.90 trillion," citing the FFIEC's large holding companies page. A flagged source on the Google AI Mode side, an eMarketer page, stated that JPMorgan Chase holds close to $4.01 trillion in assets.

A fourth conflict appeared when Gemini and Copilot were asked the same question. Gemini stated "$4.90 trillion," citing the FFIEC large holding companies page, while Copilot stated "$5,015 billion (approximately $5.02 trillion)," citing Wikipedia's list of largest banks in the United States and a Wealthvieu comparison page. A flagged source on the Copilot side, the Wikipedia list, listed JPMorgan Chase at $5,015.

A fifth conflict appeared when Google AI Mode and Copilot were asked "What are the top 10 banks in the US?" Google AI Mode stated approximately "$4.01 trillion," citing the same eMarketer, SmartAsset, and U.S. News sources, while Copilot stated "$5,015 billion (approximately $5.02 trillion)," citing the Wikipedia list and the Wealthvieu page. Flagged sources on both sides included the Wikipedia list at $5,015, the eMarketer page at close to $4.01 trillion, and a Wealthvieu excerpt stating that JPMorgan Chase's assets are $4.02 trillion.

One conflict concerned stock price. When asked "bank stocks today," Google AI Overviews keywords stated "$363.25 (+0.63%)," citing Yahoo Finance, while Google AI Mode keywords stated "around $334.47 (+0.12%)," citing Yahoo Finance, Morningstar's best bank stocks page, and Trading Economics. The same stock cannot trade at both prices at the same time.

One conflict concerned headquarters location. When asked "largest us banks," Google AI Overviews keywords stated that JPMorgan Chase is "Headquartered in Columbus, Ohio," citing the Federal Reserve's list of U.S. domestically chartered commercial banks, the Wikipedia list of largest banks in the United States, and a Bankrate article on the largest banks in America. Google AI Mode keywords did not state Columbus, Ohio and implied a New York headquarters. Flagged sources on the New York side included an Experian article stating that Chase Bank is headquartered in New York City, the Wikipedia list showing New York, New York, and a DepositAccounts page listing Chase Bank at New York, NY.

These inconsistencies do not measure recommendation behavior directly, but they indicate that the public evidence layer AI systems are retrieving for JPMorgan Chase is producing unstable factual outputs on basic attributes. That instability is relevant to recommendation conversion because AI systems that cannot agree on the bank's asset size or headquarters are unlikely to present it as a stable, confidently recommended option.

Prompt Evidence

Questions This Section Answers

• Which prompts produced recommendation credit for competitors while JPMorgan Chase appeared only as context?
• On which platform and prompt type did JPMorgan Chase achieve its strongest single-platform coverage?

Google AI Overviews / Brand Recommendation Prompt: "What is the highest CD rate right now?" Result: JPMorgan Chase appeared in the answer as a large-bank reference point, but the recommendation credit went to competitors with higher valid recommendation coverage in the qualified set.

Gemini / Brand Recommendation Prompt: "What are the top 10 banks in the US?" Result: Gemini returned JPMorgan Chase with a total asset figure of approximately $4.90 trillion, which conflicted with the Google AI Mode answer of approximately $4.01 trillion for the same question.

ChatGPT / Brand Recommendation Prompt: "What are the 25 largest banks in the United States?" Result: ChatGPT returned JPMorgan Chase at approximately $4.0 trillion in assets, citing Federal Reserve and FFIEC sources, while Gemini returned $4.90 trillion for the same question.

Perplexity / Brand Recommendation Prompt: "Which bank is offering the highest CD rates right now?" Result: Perplexity produced the bank's strongest single-platform coverage rate at 11.76%, with 2 valid recommendations and 1 rank-one placement, indicating that recommendation credit is achievable on this platform when the prompt is rate-focused.

What CiteWorks Studio Would Do Next

Phase 1: AI Market Discovery Audit Map every qualified prompt where JPMorgan Chase appears without recommendation credit, and separate the prompts where the bank is a comparison anchor from the prompts where it is a genuine shortlist candidate.

Phase 2: Recommendation Readiness Plan Prioritize the Gemini and ChatGPT gaps, where the bank records 43 combined mentions and zero valid recommendations, and define the specific product and rate attributes that should trigger a recommendation.

Phase 3: Owned Answer Layer Buildout Build owned pages that answer the exact high-intent prompts in the Brand Recommendation cluster, including direct rate, term, and product-eligibility answers that AI systems can retrieve and cite.

Phase 4: Citation / Authority Layer Development Address the source instability surfaced in the inconsistency data by strengthening the bank's own factual pages and the third-party sources AI systems are retrieving for asset, headquarters, and rate figures.

Phase 5: Monthly AI Visibility and Recommendation Tracking Track valid recommendation coverage, top-three rate, rank-one rate, and sentiment by platform each month to confirm whether presence is converting into shortlist placement.

Why This Matters

Questions This Section Answers

• Why is JPMorgan Chase's presence-to-recommendation gap the central finding of this benchmark?
• What should JPMorgan Chase correct to convert mentions into shortlist placement?

JPMorgan Chase & Co. is the most-mentioned brand in the certificates of deposits benchmark and the seventh most recommended. That gap is the entire story. AI systems are treating the bank as the reference point for the category while recommending other brands as the choice. Presence without recommendation conversion does not put a brand on the buyer shortlist, and the benchmark shows that the two metrics are moving independently for this bank.

The next move is not more visibility. The bank already has the highest presence rate in the set. The next move is targeted correction of the prompt, page, and citation layers that determine whether a mention becomes a recommendation. That means fixing the factual instability in the public evidence layer, building owned answers for the rate and product prompts where competitors are currently winning recommendation credit, and tracking whether those changes move valid recommendation coverage on Gemini and ChatGPT.

Core Metrics

Sentiment Score

Questions This Section Answers

• Why do 112 neutral mentions distort JPMorgan Chase's apparent dominance in AI visibility?
• How does the net sentiment score of 0.0469 reflect a brand that is named but rarely endorsed?

Sentiment Score = (positive mentions × 1 + neutral mentions × 0 + negative mentions × -1) / total mentions

For JPMorgan Chase & Co. in October 2026: (11 × 1 + 112 × 0 + 5 × -1) / 128 = 6 / 128 = 0.0469.

This score matters because unclassified mention counts are misleading. JPMorgan Chase recorded 128 mentions, which looks like dominance, but 112 of those mentions were neutral references rather than positive recommendations. A neutral mention means the bank was named as context, comparison anchor, or category example. It does not mean the bank was recommended.

Share of voice is a diagnostic metric, not a business KPI. A positive recommendation, a neutral reference, a cautionary mention, and a competitor-displaced mention are not equal in value. Counting all mentions as wins is bad measurement. JPMorgan Chase's 79.50% presence rate and its 5.59% recommendation coverage rate describe two very different positions, and only the second one reflects shortlist eligibility.

Classified sentiment is required before interpreting AI visibility. The bank's net sentiment score of 0.0469 is near neutral, which is consistent with a brand that is frequently named but rarely endorsed. The 5 negative mentions are a small share of total mentions but the highest negative count in the tracked set, and they contribute directly to the low net score.

Sentiment by Platform

Methodology

1. This report is a benchmark-based AI Visibility Company Market Strategy Report for JPMorgan Chase & Co. in the certificates of deposits category. It is not a client implementation case study and does not describe work performed by CiteWorks Studio.
2. The reporting month is October 2026, with the July 2026 measurement used as the baseline for movement comparisons where the industry benchmark provides it.
3. Six AI and search platforms were tracked: ChatGPT, Copilot, Gemini, Google AI Mode, Google AI Overviews, and Perplexity.
4. The October 2026 run began with 800 prompt-surface observations covering 602 unique questions. All 800 mentioned a tracked brand or competitor. 182 were relevant to the certificates of deposits category and 618 were irrelevant.
5. The public metrics use the 161 qualified observations that survived both qualification stages. Brand-level percentages use this qualified set as the denominator.
6. Ten brands were tracked: Bread Savings, American Express, Bank of America Corp., Capital One, Citigroup Inc., Goldman Sachs Group, JPMorgan Chase & Co., Morgan Stanley, U.S. Bancorp, and Wells Fargo & Co.
7. One buyer-intent cluster carried all qualified observations in October 2026: Brand Recommendation, covering prompts that name or recommend specific CD issuers. The Pricing & Value and Multi-Brand Comparison clusters recorded zero qualified observations this month.
8. A mention is counted when a tracked brand appears in a qualified AI response in any form, including neutral reference, comparison anchor, or category example.
9. A valid recommendation is counted only when the dataset marks the brand as appearing in a valid recommendation context. Neutral, cautionary, comparison-anchor, and listed-only mentions are not counted as valid recommendations.
10. Top-three rate is the share of qualified observations where the brand appears among the top three recommended options. Rank-one rate is the share where the brand is the single top recommendation. Average recommended rank covers rank-eligible recommendations only.
11. The tracked entity list has alternated between common and formal brand names across the series. This affects how month-over-month movement is attributed for some brands and is a known limitation of the public benchmark.
12. The qualified denominator fell to 161 observations in October 2026 from 211 in September 2026, which changes the weight each observation carries in the percentages. Several brand-level figures, including JPMorgan Chase & Co.'s 9 valid recommendations, come from small absolute counts and should be read alongside their underlying counts.
13. Source presence in the benchmark is evidence about the information environment. It is not proof that a source caused a recommendation.

See How AI Is Recommending Your Brand

The public benchmark shows where JPMorgan Chase & Co. stands in AI-generated certificate of deposit recommendations. A company-level AI visibility audit maps the specific prompts, platforms, competitor displacements, and evidence sources behind that position, and turns the benchmark signal into a prioritized plan for converting presence into shortlist placement.