Predictika · Business banking quotes

An AI sales agent's business checking quote, checked before it goes out

An AI sales agent prepares a business checking proposal for a small business: the account, the monthly total it will tell the customer to expect, and what it says about extra fees. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of the published account fees and returns a verdict, every reason and the figures it computed.

Scope: Wells Fargo Initiate Business Checking and Navigate Business Checking proposals: monthly service fee and how it is waived, transaction fees, cash deposit processing fees and the stated monthly total. See everything this validator covers

This validator models proposals for two Wells Fargo business checking accounts as published in the account fee summaries (effective July 28, 2026), not just the scenarios shown below.

  • Monthly service fee — $15 for Initiate and $25 for Navigate, and whether it is waived. Initiate: $2,000 minimum daily balance, $5,000 average combined business deposit balance, or ownership of a Premier or Private Bank Checking account. Navigate: $10,000 minimum daily balance, $15,000 average combined business deposit balances, or ownership of a Premier Checking, Private Bank Checking or Private Bank Interest Checking account.
  • Transaction fees — the first 100 transactions in a fee period are free on Initiate and the first 250 on Navigate; each transaction beyond that costs $0.50.
  • Cash deposit processing — the first $5,000 deposited in a fee period is free on Initiate and the first $20,000 on Navigate; beyond that the fee is $0.30 per $100 deposited. The validator takes cash deposits in units of $100.
  • Stated total and promises — the monthly total in the proposal must equal the service fee plus transaction fees plus cash deposit fees, and a proposal that promises no extra fees while expecting more usage than the account includes is blocked.

Any proposal for these two accounts that touches these rules is in scope — not only the scenarios pictured here. Not covered: Optimize Business Checking (its published fee details were not consistent across the pages read), other accounts, coin and currency orders, ATM, overdraft, wire and other fees, interest, and promotions. Assumptions: cash deposits are entered in whole units of $100; the fee period is treated as the monthly period shown on the fee summaries; which transactions count toward the allowance follows the fee summaries and is not itemized here.

The AI sales agentBuilds the business checking proposal from the conversation and says it is ready.
Predictika validatorChecks every rule at once and returns the verdict, each finding, and the computed figures.

7 scenarios in 3 groups · each group runs from the agent’s first attempt to the outcome · click one to switch

What the agent proposes

The AI sales agent says

Illustrative agent statement. The validator receives the structured request below.

Proposing agent: AI sales agent (scripted)

Before sending, the agent must call Recorded run

Predictika validator


      

        
        
        
      

      
Waiting for the call.

      
    

  

  
  

    
Where rules-based CPQ gets it wrong
Click to expand
    
Our assessment of what a typical rules-based CPQ (product rules, price rules and validation rules, as in Salesforce CPQ) does with the same cases. It is a judgment about effort and reliability, not a claim that nothing can be built.

    
What the validator caughtTypical rules-based CPQPredictika
A fee that is waived by any one of several conditionsOnly with care
A rule per waiver path and per account; it works, but the thresholds differ between the two accounts and must be kept in step with the fee summaries.		Every path is evaluated together and the service fee the proposal should show is computed from them.
A total built from a fixed fee plus usage-based feesOnly with care
A price rule for each fee, with the transaction and cash allowances looked up per account. The rep's stated total then has to be compared with the computed one separately.		The service fee, transaction fees and cash deposit fees are computed and the stated total is compared in the same pass.
Allowances that differ by account and a promise made in the proposal textOnly with workarounds
A promise of no extra fees lives in free text; a rule can only catch it if it has been captured as a field first.		The promise is one of the inputs and is checked against the account's included transactions and cash deposits.
Every problem returned in one answerOnly with workarounds
Rules tend to fire as the quote is saved or a step is completed, so a rep often fixes one error and meets the next.		All findings come back together, whatever order the choices arrived in.

  

  

    
What this validator catches: findings from its test cases
Click to expand
    
Every rule is checked on every call, in any order the choices arrive; one problem never hides another. Blocking findings stop the quote; approval findings need a person to sign off; everything else is computed.

    
1The quote states a monthly total of $15; the published fees give $28.
2The quote promises no extra fees but the customer expects 101 transactions in a fee period; the account includes 100.
3The quote promises no extra fees but the customer expects $20,100 of cash deposits in a fee period; the account includes $20,000.
4The quote states a monthly total of $0; the published fees give $190.
5The quote promises no extra fees but the customer expects 300 transactions in a fee period; the account includes 100.
6The quote promises no extra fees but the customer expects $30,000 of cash deposits in a fee period; the account includes $5,000.

  

  

    
Scenarios and results
Click to expand
    
The recorded result of the validator for each scenario on this page: the request the AI agent sent, the verdict, and every finding, in the order they appear above.

    
1. No-extra-fees promise: Initiate Business Checking with 140 transactions and $8,000 in cash deposits, a no-extra-fees promise and a total of zero

    
The agent's request. Please set up Wells Fargo Initiate Business Checking for a business with a minimum daily balance of $3,000. It expects 140 transactions and $8,000 in cash deposits each fee period. The quote tells the customer there will be no extra fees. The quote states a monthly total of $0. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Stated monthly total does not match. The quote states a monthly total of $0; the published fees give $29.
    • 
      
  • Included transactions exceeded. The quote promises no extra fees but the customer expects 140 transactions in a fee period; the account includes 100.
    • 
      
  • Included cash deposits exceeded. The quote promises no extra fees but the customer expects $8,000 of cash deposits in a fee period; the account includes $5,000.
    • 
    

    
2. No-extra-fees promise: The agent resubmits after fixing the errors

    
The agent's request. Please set up Wells Fargo Initiate Business Checking for a business with a minimum daily balance of $3,000. It expects 140 transactions and $8,000 in cash deposits each fee period. The quote states a monthly total of $0. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Stated monthly total does not match. The quote states a monthly total of $0; the published fees give $29.
    • 
    

    
3. No-extra-fees promise: The agent resubmits after fixing the errors

    
The agent's request. Please set up Wells Fargo Initiate Business Checking for a business with a minimum daily balance of $3,000. It expects 140 transactions and $8,000 in cash deposits each fee period. The quote states a monthly total of $29. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Fee summary. Monthly total $29: service fee $0, transaction fees $20, cash deposit fees $9.
    • 
    

    
4. Stated total: Navigate Business Checking with 300 transactions and $22,000 in cash deposits, with the total stated as the monthly fee only

    
The agent's request. Please set up Wells Fargo Navigate Business Checking for a business with a minimum daily balance of $9,000, $12,000 in average combined business deposit balances. It expects 300 transactions and $22,000 in cash deposits each fee period. The quote states a monthly total of $25. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Stated monthly total does not match. The quote states a monthly total of $25; the published fees give $56.
    • 
    

    
5. Stated total: The agent resubmits after fixing the errors

    
The agent's request. Please set up Wells Fargo Navigate Business Checking for a business with a minimum daily balance of $9,000, $12,000 in average combined business deposit balances. It expects 300 transactions and $22,000 in cash deposits each fee period. The quote states a monthly total of $56. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Fee summary. Monthly total $56: service fee $25, transaction fees $25, cash deposit fees $6.
    • 
    

    
6. Waiver assumed: Initiate Business Checking with $1,500 minimum daily balance and $4,500 in average combined balances, with the monthly fee assumed waived

    
The agent's request. Please set up Wells Fargo Initiate Business Checking for a business with a minimum daily balance of $1,500, $4,500 in average combined business deposit balances. It expects 60 transactions and $3,000 in cash deposits each fee period. The quote states a monthly total of $0. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Stated monthly total does not match. The quote states a monthly total of $0; the published fees give $15.
    • 
    

    
7. Waiver assumed: The agent resubmits after fixing the errors

    
The agent's request. Please set up Wells Fargo Initiate Business Checking for a business with a minimum daily balance of $1,500, $4,500 in average combined business deposit balances. It expects 60 transactions and $3,000 in cash deposits each fee period. The quote states a monthly total of $15. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Fee summary. Monthly total $15: service fee $15, transaction fees $0, cash deposit fees $0.
    • 
    

  

  

    
Narration transcript
Click to expand
    
The text of the narrated walkthrough, step by step.

    
    
      
  1. Welcome to a demo of Predictika's Validator. An AI sales agent prepares a business checking proposal for a small business: the account, the monthly total it will tell the customer to expect, what it says about extra fees. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of the published account fees and returns a verdict, every reason and the figures it computed.
    2. 
      
  2. I will start with the first request by the agent.
    3. 
      
  3. The agent says. Please set up Wells Fargo Initiate Business Checking for a business with a minimum daily balance of $3,000. It expects 140 transactions and $8,000 in cash deposits each fee period. The rest of the request is on screen. The quote states a monthly total of $0.
    4. 
      
  4. Before it goes out, the agent calls the validator.
    5. 
      
  5. Blocked, with three findings, all in one answer. The quote states a monthly total of $0; the published fees give $29. The quote promises no extra fees but the customer expects 140 transactions in a fee period; the account includes 100. The quote promises no extra fees but the customer expects $8,000 of cash deposits in a fee period; the account includes $5,000.
    6. 
      
  6. The validator returned three blocking findings in one answer. A check that reads one field at a time would pass most of this; it shows only when the choices in the quote are checked against each other and against the stated total.
    7. 
      
  7. What this shows: for a total built from a fixed fee plus usage-based fees, a rules-based CPQ is error-prone for this.
    8. 
      
  8. Now the agent resubmits.
    9. 
      
  9. The corrected request. It changes the promise of no extra fees to no.
    10. 
      
  10. It calls the validator again.
    11. 
      
  11. Still blocked, with one finding, all in one answer. The quote states a monthly total of $0; the published fees give $29.
    12. 
      
  12. Two findings cleared; still blocked on stated monthly total does not match.
    13. 
      
  13. The agent resubmits once more.
    14. 
      
  14. The revised request. It changes the stated monthly total to $29.
    15. 
      
  15. It calls the validator once more.
    16. 
      
  16. This time the validator clears it.
    17. 
      
  17. The validator also returns the line-item quote. It starts with Initiate Business Checking monthly service fee (waived) and Transactions over 100 in the fee period; the other line is on screen.
    18. 
      
  18. The earlier finding is cleared, and the validator's total, $29, matches the quote.
    19. 
      
  19. Three problems caught in one call, fixed in two passes, and a clean $29 quote. That is the value of Predictika's validator: catching mistakes before they reach the customer.
    20.