Relay Appears in 77.9% of AI Answers. Here's Our Five-Step Plan to Improve Its AI Visibility.

Mark HuntleyBy Mark HuntleyFounder and CEO
10 minutes read

Key Takeaways

  • Relay appears in 77.93% of benchmark answers and is recommended in 55.26%, but it is rarely the first-ranked option.
  • The main priority is to verify conflicting claims about interest and cash deposit availability before proposing any corrections.
  • Priority work includes reviewing Relay’s own pages and cited third-party pages that appear alongside conflicting claims.
  • Buyer questions center on choosing the best business account for small businesses, LLCs, and online banking, which supports targeted content briefs.

Answer Capsule

In November 2026, Relay appeared in 519 of 666 AI answers included in the Small Business Banking benchmark (77.93%). It received 368 recommendations (55.26%), with 245 Top 3 placements and 22 first-place recommendations. A mention means the company appeared in an answer; a recommendation means the answer affirmatively endorsed it.

Our plan compares the company with its competitors, checks conflicting AI claims against reliable sources, and identifies website pages, third-party sources and buyer questions to address. The historical results show how the figures changed across available months. Different monthly samples limit those comparisons, and conflicting AI claims require verification before corrections are proposed.

Current AI visibility

Questions This Section Answers

  • How do Relay mentions, recommendations and placements compare with its Small Business Banking peers?

Relay recorded 519 mentions (77.93%) and 368 recommendations (55.26%) across 666 answers included in the benchmark. Top 3 placements numbered 245; first-place recommendations numbered 22. Framing among its mentions was 396 positive, 123 neutral and 0 negative.

Rank

Company

Mentions

Mention rate

Recommendations

Recommendation rate

Top 3

Top 3 rate

#1

#1 rate

1

Bluevine

590

88.59%

478

71.77%

369

55.41%

298

44.74%

2

Relay

519

77.93%

368

55.26%

245

36.79%

22

3.30%

3

Axos Bank

287

43.09%

213

31.98%

144

21.62%

50

7.51%

4

Live Oak Bank

140

21.02%

79

11.86%

58

8.71%

15

2.25%

5

Regions Bank

24

3.60%

17

2.55%

9

1.35%

1

0.15%

6

Always.bank

49

7.36%

0

0.00%

0

0.00%

0

0.00%

Relay is named in most of the answers reviewed and is recommended in a clear majority of them, which puts it firmly in the consideration set for small business banking questions. The gap between being mentioned and being recommended is modest, so the brand is usually treated as a credible option rather than a passing reference.

The weaker signal is position. Relay appears among the leading options far more often than it takes the top spot, and its first-place count is small next to its recommendation count. For a business reader, that means Relay is on the shortlist but rarely the answer's headline pick. The agency would treat closing that position gap as the central visibility goal, not chasing more mentions.

Framing is almost entirely positive or neutral, with no negative wording recorded. That is a healthy base, but positive wording alone does not equal endorsement, so the recommendation rate remains the measure to watch.

What changed since last month

Questions This Section Answers

  • How did Relay counts and coverage differ across the available monthly snapshots?

Metric

Oct 2026

Nov 2026

Mentions

1324 / 1861 (71.14%)

519 / 666 (77.93%)

Recommendations

1239 / 1861 (66.58%)

368 / 666 (55.26%)

Top 3 recommendations

795 / 1861 (42.72%)

245 / 666 (36.79%)

#1 recommendations

36 / 1861 (1.93%)

22 / 666 (3.30%)

From October 2026 to November 2026, Relay's mention count fell from 1324 to 519, while its recommendation count fell from 1239 to 368. The recommendation rate was 66.58% and 55.26% respectively.

Between the two reporting months, Relay's recorded mentions and recommendations both fell, and the recommendation rate moved down as well. The share of answers placing Relay in the top three also declined, while the first-place rate rose. These are separate observations from different answer samples.

The samples differ in size and composition between months, so the two months are not directly comparable and the movement should not be read as a trend or given a cause. What matters for planning is the direction of the recommendation rate, which the agency would confirm against a fresh sample before drawing conclusions.

A practical next step is to keep the monthly scorecard running so the client can see whether the pattern holds across comparable samples rather than reacting to a single month.

AI recommendation trend

Observed recommendation rate (%), Oct 2026 to Nov 2026

  • Relay-11.32 pp
    Oct 202666.58%
    Nov 202655.26%

Separate selected monthly samples. Missing points are unavailable, not zero. Provider/prompt equivalence is unverified; rate movement does not demonstrate causation.

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Step 1. Measure

Questions This Section Answers

  • What should the agency measure and verify first for Relay?

AI answers contained 3 conflicting claims about Relay: 0 critical, 0 high, 3 medium, 0 low. Of these, 0 were rated critical or high priority; the critical claims are included in that total. These ratings help prioritize fact-checking. They do not establish that a company or publisher made an error.

The benchmark surfaced a small set of conflicting claims about Relay, all rated medium priority, with none critical or high. That rating is a triage signal for fact-checking, not a finding that Relay or any publisher got something wrong. The agency would build a scoped fact-review register listing each disputed topic, the competing AI statements and the evidence needed to settle it.

Alongside that, a visibility comparison would show where Relay stands against the named competitors on mentions, recommendations and position, so the client can decide which gaps are worth resources. Pairing the two gives a priority order: settle the claims that could mislead buyers first, then work on the visibility gaps that matter most.

Step 2. Make the website consistent

Questions This Section Answers

  • Which recorded claim differences about Relay should be verified before proposed page edits?

Review topic

Severity

Recorded AI claim A

Recorded AI claim B

interest/APY

medium

No interest earned

Earns interest

interest/APY

medium

No interest earned

Earns interest

cash deposit availability

medium

cash deposits supported (via Allpoint+)

cash deposits difficult/limited with online-only banks

Both columns quote AI answers, not verified company facts. Resolve the entity, date and source before deciding whether a correction is warranted; different dates can explain an apparent conflict.

The disputed topics concern interest and deposit availability, where AI answers give opposing statements. The agency would not decide which version is correct; instead it would verify the entity, the date and the primary source behind each claim before any correction is considered. Different dates or product versions can explain an apparent conflict.

Where verification confirms a gap or ambiguity on Relay's own pages, the agency would prepare conditional page briefs using approved facts, so the site states its position clearly and consistently. Briefs would be drafted only after the facts are confirmed, and any change would be reviewed internally before publication.

Step 3. Align the external narrative

Questions This Section Answers

  • Which cited third-party pages are relevant to fact review for Relay?

Cited page selected for review

Citation appearances in all captured answers

Answers mentioning the company

Conflicting claims linked to this page

https://mercury.com/business-banking

33

31

2

https://nerdwallet.com/business/banking/best/online-business-checking-accounts

32

31

2

https://nerdwallet.com/business/banking/best/types

90

82

1

https://bluevine.com/business-checking

81

67

1

https://forbes.com/financial-services/best-business-checking-accounts/

76

64

1

https://beancount.io/blog/2025/08/26/7-best-small-business-banking-options-in-2025

34

33

1

These pages were selected because they relate to the company in the captured answers. Their current contents still need checking before any correction request. A page linked to a conflicting claim is not necessarily its cause, and the same answer may contribute to more than one row.

Several third-party pages were selected for review because they appear alongside Relay in captured answers and are linked to conflicting claims. A citation does not show that a page influenced an answer, and a page tied to a conflict is not necessarily its cause, so the agency would check current contents before proposing anything.

The proposed work is a source review: confirm what each page currently says, identify where it diverges from verified Relay facts, and prepare evidence-backed requests only where a genuine discrepancy exists. Publishers control their own content, so requests would be framed as corrections supported by primary sources, with no assumption of error or obligation to change.

Step 4. Optimize priority company pages

Questions This Section Answers

  • Which observed Relay website pages should receive review briefs?

Company website page

Citation appearances in all captured answers

Benchmark answers citing the page

Recommending answers citing the page

https://relayfi.com/

21

20

15

https://relayfi.com/blog/best-online-business-bank-accounts-2026-guide/

15

15

9

https://relayfi.com/hc/en-us/articles/35672368525972-Overview-of-the-Starter-Plan/

8

7

2

https://relayfi.com/pricing/

8

7

4

https://relayfi.com/hc/en-us/articles/360054705132-Relay-pricing/

7

7

6

https://relayfi.com/blog/best-small-business-savings-accounts/

5

5

1

https://relayfi.com/product/

5

5

2

https://relayfi.com/blog/free-business-checking/

4

3

3

The company's website was cited 110 times across 32 distinct page addresses; the table shows 8 pages selected for review. Zeros in the answer columns mean no matching answers were recorded. A cited page is not automatically a page that accompanied a recommendation.

Relay's own site is cited across many distinct pages, and the selected pages span the homepage, pricing, product and blog content. Citation frequency varies widely, with the homepage and a comparison-style blog post appearing most often. Being cited is not the same as accompanying a recommendation, so the agency would read these as signals of which pages answers draw on, not as proof of influence.

Page briefs would focus on the priority pages, using approved facts and the questions buyers actually ask. Each brief would state the audience question, the confirmed facts to include and the claims to avoid until verified, giving writers a clear, reviewable specification.

Step 5. Publish around buyer questions

Questions This Section Answers

  • Which observed buyer questions support content briefs for Relay?

Question observed in the research

Benchmark answers to this question

Company mentions

Company recommendations

What's the best business account for a small business?

5

5

5

What is the best business bank account for a new small business?

5

5

4

Which bank is the best for LLC?

5

5

4

Which bank is the best for an LLC?

5

5

4

Which is the best online business bank?

5

5

4

What are the best online business checking accounts?

4

4

4

What bank account is best for LLC?

4

4

4

Which is the best small business account?

4

4

4

These are recorded answer observations, not search volume, verified demand, or proof of missing website content.

The recorded questions cluster around choosing a business bank account, particularly for new businesses, LLCs and online banking. Relay is mentioned in nearly all of these answers and recommended in most, which suggests the brand already surfaces for the core buyer questions. That is an opportunity to strengthen content rather than assume a gap.

The agency would check existing coverage before proposing anything new, then draft buyer-question briefs for the questions where Relay is recommended less consistently. Each brief would answer the question directly with approved facts, so the content is useful to buyers and consistent with what the site already says.

Our 90-day action plan

Questions This Section Answers

  • How should the agency sequence the proposed Relay work and judge completion?

Period

Deliverable

Completion criterion

Days 1–30

Baseline scorecard, scoped fact-review register and page/source shortlist

Each record has an owner, evidence requirement and review status

Days 31–60

Approved page briefs and justified publisher requests

Separate confirmed edits, no-change decisions, requests and responses

Days 61–90

Buyer-content briefs and a fresh scorecard

Record work completed separately from measured answer outcomes and comparability limits

The first month establishes the baseline: a scorecard, a scoped fact-review register and a shortlist of pages and sources, each with an owner, an evidence requirement and a review status. This gives the client a clear record of what is being checked and why.

The second month turns verified facts into approved page briefs and justified publisher requests, with confirmed edits, no-change decisions, requests and responses recorded separately. The third month adds buyer-content briefs and a fresh scorecard. Completed work would be reported separately from measured answer outcomes, and no visibility gain would be promised, since the samples and outside factors limit what can be claimed.

Methodology

Questions This Section Answers

  • How are Relay answer metrics and citation populations defined?

This report covers 2026-11. The exact dates when the original AI answers were collected have not been verified. The visibility rates use 666 answers that met the benchmark's inclusion rules. A company is recommended only when the answer both endorses it and uses positive wording. Top 3 and first-place counts are part of those recommendations, not extra recommendations.

An answer can mention or recommend several companies, so company counts cannot be added to find the number of distinct answers. The net sentiment score is positive minus negative mentions, divided by all company mentions; it describes answer wording, not customer satisfaction.

The wider citation analysis covers 800 captured answers and 5374 appearances of cited URLs. Citation appearances across all captured answers differ from the number of benchmark answers citing a page and the number that also recommend a company. The current contents of cited pages and disputed company claims still need independent verification.

Monthly sample coverage:

Reporting month

Answers included

AI services covered

Services

Oct 2026

1861

6

ChatGPT, Copilot, Gemini, Google AI Mode, Google AI Overviews, Perplexity

Nov 2026

666

6

ChatGPT, Copilot, Gemini, Google AI Mode, Google AI Overviews, Perplexity

The answer samples differ between months. These comparisons show how the recorded results changed; they do not establish why they changed.

The report covers a single month, and the exact dates the answers were collected have not been verified. A company counts as recommended only when an answer endorses it with positive wording, and top-three and first-place counts sit inside those recommendations rather than adding to them. Answers can mention several companies, so company counts do not sum to a number of distinct answers.

Monthly samples differ, so comparisons show how recorded results changed, not why. Cited pages and disputed claims still need independent verification before any correction is proposed.

Our first three priorities

The first priority is verification. The disputed interest and deposit claims should be checked against primary sources, with the entity and date confirmed, before any page or publisher request is drafted. Ambiguous matches stay out of the correction queue until the facts are clear.

The second is the position gap. Relay is recommended often but rarely ranked first, so page briefs for the priority pages should make the strongest verified case for Relay as a leading choice, using approved facts and buyer questions.

The third is buyer content. Briefs for the core account-selection questions, checked against existing coverage first, would keep Relay visible where buyers are already asking. Progress would be tracked on the scorecard, with completed work reported separately from answer outcomes.

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Understanding AI search visibility.

AI search experiences create answers by pulling information from many places online and summarizing it into a single response.

What Is AI Citation Intelligence?
AI citation intelligence is the process of measuring where AI platforms source their information and how frequently a brand is mentioned or referenced in AI-generated responses. Because LLMs synthesize across multiple sources, the sites and brands that appear repeatedly tend to influence how a topic or company is framed. This practice focuses on identifying which sources shape AI outputs and tracking brand visibility across different AI systems.
What Is Citation Architecture?
Citation architecture describes the set of sources that consistently inform how AI systems talk about a brand, product, or topic. LLMs draw from websites, articles, forums, and public discussion, and the sources they rely on most often become the backbone of their answers. Building strong citation architecture means ensuring that accurate, credible, high authority sources are the ones most likely to shape the way AI tools summarize and recommend a brand.
What Is Generative Engine Optimization?
Generative engine optimization (GEO) is the practice of improving the chances that AI systems use and cite your brand or content when generating answers. While traditional SEO is centered on ranking pages in search results, GEO focuses on how LLMs retrieve, interpret, and combine information when responding to a question. The objective is to strengthen the content and sources AI systems rely on, so your brand is treated as a trusted reference in AI responses.
What Is AI Share of Voice?
AI share of voice tracks how often a brand appears in AI-generated answers compared with competitors in the same category. It reflects visibility across AI platforms such as ChatGPT, Gemini, Claude, and Perplexity. Monitoring AI share of voice helps organizations see whether AI systems consistently include and recommend their brand for key queries or whether competitor brands are showing up more often.

About The Author

Mark Huntley

Mark Huntley

Founder and CEO

Mark Huntley, J.D. is founder of CiteWorks Studio, a strategic advisory focused on visibility, authority, and recommendation presence in AI-shaped search environments. His work centers on embedding-level GEO, vector optimization, and cosine gap engineering — helping brands align their digital presence with the retrieval systems that increasingly shape discovery, interpretation, and choice.

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