ChatGPT prompts for banking

I need help evaluating this banking decision: [BANKING QUESTION]. My situation and priorities are: [FINANCIAL CONTEXT]. The options or institutions I am considering are: [OPTIONS]. Use these known terms, balances, rates, fees, and dates: [KNOWN TERMS]. My country or state, tax considerations, and timing constraints are: [LOCATION AND TIMELINE].

Act as an analytical banking researcher, not as my financial adviser. First distinguish facts I supplied, standard banking concepts, and assumptions you must make. Do not assume that a quoted APY, introductory rate, overdraft policy, deposit-insurance limit, credit limit, or early-withdrawal penalty applies unless I supplied it or you clearly label it for verification.

Produce a decision memo with:
1. A one-sentence recommendation conditional on the facts available.
2. A comparison table covering yield or borrowing cost, monthly and one-time fees, access to cash, key restrictions, insurance or protection questions to verify, and best-fit use case.
3. A 12-month dollar estimate for each option. Show the formula, inputs, compounding assumption, and taxes only if I supplied a tax rate. For loans, show total interest and payment assumptions; for deposit accounts, show estimated interest after stated fees.
4. The top risks, including teaser-rate expiry, minimum-balance rules, liquidity limits, variable rates, transfer holds, and coverage limits where relevant.
5. A short verification checklist naming the exact disclosures, fee schedules, or account terms I should read before acting.

Do not invent current rates, bank policies, eligibility, credit approval, tax treatment, or legal protections. Flag any conclusion that changes materially if an unverified term is different. This is educational analysis; tell me when a licensed financial or tax professional is appropriate. Ask up to 3 clarifying questions only if a required input is missing.

Before answering, check that every dollar figure is traceable to a shown input or formula, and that no recommendation treats an assumption as a confirmed bank term.

Compare these savings or money-market accounts for my cash reserve: [ACCOUNTS]. I expect an average balance of [AVERAGE BALANCE] for [TIME PERIOD], and my priorities are [PRIORITIES]. Make a table with APY, compounding assumption, monthly fees, minimum balance, transfer limits, withdrawal limits, and insurance status to verify. Calculate estimated gross interest and net interest after stated fees using shown formulas. Do not invent rates or protections. End with the exact account disclosures I should verify. Ask up to 3 questions only if a required input is missing. Check that each calculation uses only supplied terms.

Compare these borrowing offers: [LOAN OFFERS]. I need [LOAN AMOUNT] for [PURPOSE], and can pay up to [MONTHLY PAYMENT] per month. Build an amortization summary for each offer showing assumed payment, total interest, origination fees, APR versus interest rate, prepayment rules, and total paid. Identify which terms need confirmation, especially variable-rate triggers and late-payment penalties. Do not assume approval or invent credit terms. End with questions to ask each lender. Ask up to 3 questions only if needed. Check that every payment calculation states its term and rate.

Review these account transactions and account terms for avoidable banking fees: [TRANSACTIONS] and [ACCOUNT TERMS]. My normal banking pattern is [USAGE PATTERN]. Categorize each fee as confirmed, likely, or unclear; link it to the supplied rule where possible; and estimate its annual cost if the pattern continues. Give a prioritized action list that preserves the services I use. Do not claim a fee can be reversed or waived without evidence. Flag terms that require calling the bank. Ask up to 3 questions only if a necessary statement period or term is missing. Check that no transaction is counted twice.