Google Ads Campaign Manager for PickYourBank

--- # Daily Campaign Performance Review — pickyourbank.com **Account:** Z2A // Saving account (CID: 952-332-4548) | **Data as of:** Sep 10, 2026 *(most recent available; Sep 11–12 not yet processed)* --- ## Executive Summary Sep 10 marks a critical inflection point. The suspension of both Earny campaigns — which had been generating 160+ conversions/day at $2–16 CPA — left the account in savings-only mode. The result: **4 conversions on $5,633 in spend, a blended CPA of $1,408, and an estimated net P&L of -$4,383.** Meanwhile, five open P0 actions remain unexecuted (several now 17+ days overdue), continuing to compound losses. The account cannot sustain current conditions without immediate intervention on Earny's status and the outstanding structural fixes. --- ## Active Campaign Status (ENABLED only) | Campaign | Budget/day | Sep 10 Conv | Sep 10 Spend | CPA | Status | |---|---|---|---|---|---| | SP Direct \| Mobile \| Broad | $2,500 | ~2–3 | ~$3,100 est. | ~$1,200 est. | Active — degraded | | Desktop Exact \| AI MAX | $1,800 | 1–2 | ~$2,200 est. | $1,035 (per note) | Active — degrading | | SP Mobile Bonus | Uncapped | **0** | **$1,285** | ∞ | **P0 — burn with zero ROI** | | SP Desktop Bonus | Uncapped | **0** | **$316** | ∞ | Wasteful — P0 review | | Experiment Campaign | $1,400 | 0 | $0 | — | **DORMANT 32+ days — P0 PAUSE** | | Amir \| search \| mobile \| bc \| DE | — | 0 | $0 | — | Zero activity — P2 review | > Earny P-Max and Earny Search are both **PAUSED** and excluded from this analysis. --- ## Daily Performance Trend (Account-Wide) | Date | Spend | Conv | CPA | Notes | |---|---|---|---|---| | Sep 6 (Sat) | $1,263 | 100 | $12.64 | Earny P-Max: 89 conv at $1.77 | | Sep 7 (Sun) | $976 | 110 | $8.87 | Earny: 108 conv | | Sep 8 (Mon) | $11,154 | 182 | $61.29 | Spend spike 4–6× prior week avg | | Sep 9 (Tue) | $9,973 | 180 | $55.40 | Earny paused end of day | | **Sep 10 (Wed)** | **$5,633** | **4** | **$1,408** | **Earny fully paused — savings only** | The Sep 10 collapse is entirely attributable to Earny's removal. The savings campaigns delivered only 4 conversions at a CPA far exceeding revenue value. --- ## Revenue-to-CPA Contextualization (Deals & Payouts) | Brand | Payout | Breakeven CPA | Sep 10 Account CPA | P&L per Conv | |---|---|---|---|---| | SoFi | **$475** | $475 | $1,408 | **-$933** | | U.S. Bank (Savings) | **$350** | $350 | $1,408 | **-$1,058** | | CIT Bank | **$200** | $200 | $1,408 | **-$1,208** | | AmEx (Savings, best-only) | **$225** | $225 | $1,408 | **-$1,183** | Even the highest-paying brand (SoFi at $475) covered only 34 cents of every dollar spent on Sep 10. The 4 conversions generated at most ~$1,400–$1,900 in gross revenue against $5,633 in spend — confirming the -$4,383 estimated net loss. **Break-even math for the savings campaigns:** To be profitable at the current spend rate (~$5,600/day), the account needs a minimum of 12 conversions/day assuming a SoFi-weighted mix, or ~28/day at a CIT-heavy mix. --- ## Campaign Deep Dives ### 1. SP Direct | Mobile | Broad — *Steady performer, but bid-constrained* - **IS:** 9.99% | **Rank-lost IS:** 88.9% — severely under-bidding relative to competitors - **Weekly CPA:** $209 (current week) vs $176 (prior week) — +19% degradation WoW - **CTR:** 20.9% (strong for broad match) - **Top brands:** SoFi $475 / CIT $200 / U.S. Bank $350 - **Issue:** Rank-lost IS at 88.9% signals substantial volume being left on the table. The campaign is capped by competitive bidding pressure, not budget. ### 2. Desktop Exact | AI MAX — *Deteriorating rapidly* - **Sep 8 CPA:** $397 → **Sep 9:** $590 → **Sep 10:** $1,035 — **+161% in 3 days** - **Rank-lost IS:** 67.6% (jumped +19.5pp WoW) — confirmed competitor bid surge - **Weekly CPA:** $417.55 (current) vs $411.96 (prior) — nominally flat but masking intraday deterioration - **Active waste:** Ad 808777333897 remains live at 0% CVR for **17+ days** — cumulative estimated waste **$634+** - **Critical low-QS keywords still active:** - `marcus goldman sachs high yield savings` [EXACT] — QS 1/10, IS 44%, wasting ~$146/day - `marcus hysa` [EXACT] — QS 2/10 - **Trajectory:** Without immediate negative keyword action and ad pause, this campaign will continue degrading. Do NOT raise tCPA bid in current state (previously listed P1 action to raise by 25% should be **held** until QS issues and earny resolution). ### 3. SP Mobile Bonus & SP Desktop Bonus — *Zero-ROI burn* - **Mobile Bonus:** $1,285 spend, **0 conversions** Sep 10 - **Desktop Bonus:** $316 spend, **0 conversions** Sep 10 - **Root cause:** Keyword intent mismatch — "no deposit," "free money," "instant cash" queries have no HYSA conversion intent and no matching payout offer - **Top wasteful search terms driving spend:** - *"banks that pay you to open an account with no deposit"* — 548 clicks, $2,181 spend - *"instant cash for opening bank account"* — 514 clicks, $2,230 spend - *"start a bank account online with no deposit $1000 on opening"* — 348 clicks, $1,857 spend - **These three terms alone represent $6,268 in spend with zero recorded conversions** ### 4. Experiment Campaign (B | Savings | Leads | Desktop | tCPA) — *Budget black hole* - **Status:** ENABLED | **Impressions:** 0 for 32+ consecutive days | **Spend:** $0 - **Budget reserved:** $1,400/day — this budget could be reallocated to the SP Broad or a new Marcus brand campaign - **Overdue for pause:** 17+ days --- ## Keyword Performance Highlights ### Top by Impression Share (with issues flagged) | Keyword | Match | IS | Rank-Lost IS | QS | Action | |---|---|---|---|---|---| | marcus goldman sachs hysa | EXACT | 44% | 36.3% | **1/10** | **P0 PAUSE** | | marcus high yield savings | EXACT | 42.2% | 12% | 2/10 | P0 PAUSE | | ally high yield savings | EXACT | 33.3% | 45.5% | 3/10 | P0 PAUSE (broad) | | discover high yield savings | EXACT | 36% | 48.2% | 3/10 | Monitor | | best hysa | EXACT | 13.6% | 67.3% | 7/10 | Bid increase needed | | highest yielding savings account | EXACT | 10.1% | 70.8% | 7/10 | Bid increase needed | | open bank account get cash bonus | BROAD | 9.99% | 89.4% | No data | Review — bonus intent | | free money for opening bank account | BROAD | 9.99% | 90% | No data | **Pause or negate** | ### Emerging Opportunity Keywords (uncaptured) - `vio bank` — 342 impressions, only 1 click ($2.40) — severely under-bid - `bask bank` — 264 impressions, 3 clicks ($21.89) — underserved - `marcus by goldman sachs` — 1,060 impressions, 40 clicks, $469 spend — **+74% WoW surge, zero dedicated campaign** --- ## Landing Page Issues (Active Campaigns) Both active campaigns point to `pickyourbank.com/savings`: | Issue | Impact | Priority | |---|---|---| | **9 broken images** (CDN failure: `/assets/*.webp/.jpg`) | Reduces trust, harms CVR | P1 — 15 days overdue | | **Page load: 4.3s desktop / 3.6s mobile** (Google threshold: 3.0s) | Quality Score suppression, ad rank penalty | P1 | | **APY mismatch** — page title says "Up to 4.10% APY" but best live rate is SoFi at 4.00% | Google editorial risk; misleads users | P1 | | **Bonus campaign mismatch** — /savings shows HYSA content, not bonus offers | Zero conversions on bonus campaigns | P0 — structural | --- ## Competitor & Market Signals - **Rank-lost IS on AI MAX jumped from 48.1% → 67.6% WoW** — a competitor (likely NerdWallet, Bankrate, or a direct bank) significantly raised bids - **Marcus brand search volume +74% WoW** — a major demand wave with no dedicated campaign to capture it; currently bleeding through to AI MAX keywords with QS 1–2 - **New brands surfacing:** Vio Bank and Bask Bank showing increasing search volume with almost no PPC competition — low-cost entry opportunity --- ## Open Actions — Priority Matrix ### P0 — Resolve Today | # | Action | Est. Daily Impact | |---|---|---| | 1 | **Confirm Earny payout per conversion — reactivate or formally close** | +160 conv/day or strategic closure | | 2 | **Pause ad 808777333897** (AI MAX / HY ad group) | Stop ~$634 cumulative waste | | 3 | **Pause `marcus goldman sachs hysa` EXACT keyword** | Save ~$146/day | | 4 | **Add marcus/goldman sachs as campaign-level negatives in AI MAX** | Halt QS-1 query matching | | 5 | **Pause Experiment campaign** (ID: 22379242215) | Free $1,400/day budget | | 6 | **Pause or restructure SP Mobile Bonus** | Stop $1,285+/day zero-ROI spend | ### P1 — This Week | # | Action | Rationale | |---|---|---| | 7 | Pause `ally bank high yield savings` BROAD keyword | $89/day waste, 12 days overdue | | 8 | Fix 9 broken images on `/savings` (CDN pipeline) | Conversion rate recovery | | 9 | Resolve APY copy discrepancy across ads and landing page | Google policy and user trust | | 10 | **Hold AI MAX tCPA bid increase** until QS/earny resolved | CPA already at $1,035 on Sep 10 | | 11 | Lazy-load below-fold images; audit GTM/pixel load order | Page speed → QS improvement | ### P2 — Next Sprint | # | Action | |---|---| | 12 | Build dedicated Marcus brand query campaign (capture +74% volume surge) | | 13 | Add vio bank + bask bank keywords to AI MAX | | 14 | Review and document "Amir \| search \| mobile \| bc \| DE" campaign purpose | | 15 | Affiliate CVR attribution audit for Earny (pending payout resolution) | --- ## Key Anomalies vs Prior Periods | Metric | Sep 7 | Sep 8 | Sep 9 | Sep 10 | Signal | |---|---|---|---|---|---| | Conversions | 110 | 182 | 180 | **4** | Earny pause = -176 conv overnight | | CPA | $8.87 | $61.29 | $55.40 | **$1,408** | 25× deterioration in one day | | Spend | $976 | $11,154 | $9,973 | **$5,633** | Spend down 44% but conv down 98% | | Est. Net P&L | ~+$700 | ~+$1,700 | ~+$530 | **~-$4,383** | Savings campaigns alone are loss-making | --- ## Bottom Line The account is currently unprofitable in savings-only mode. Every dollar spent on Sep 10 generated roughly 25 cents of revenue. The structural fix is binary: **either the Earny payout is confirmed and both campaigns reactivated, or the budget must be drastically cut on savings campaigns until CPA is brought below $300–350 (the blended payout ceiling).** The five overdue P0 actions are adding incremental losses on top of the structural issue and must be cleared regardless of which path is chosen on Earny.

I now have everything I need. Let me compile the full analysis. --- # Landing Page Alignment Report — pickyourbank.com **Analysis Date:** September 11, 2026 | **Scope:** Active (ENABLED) campaigns only --- ## Active Campaigns + Landing Page Map | Campaign | Status | Daily Budget | Landing Page | Conversion Sep 10 | |---|---|---|---|---| | Savings \| SP \| Direct \| New Site \| Mobile \| Broad | ENABLED | $2,500 | `/savings` | Unknown (not in P10 data) | | savings \| direct \| Search \| Desktop \| Exact \| AI MAX | ENABLED | $1,800 | `/savings` | Degrading — CPA $1,035 | | B \| Savings \| Leads \| tCPA \| General \| Broad \| Experiment | ENABLED | $1,400 | None (0 impressions) | 0 — Dormant 32+ days | | Savings \| SP \| Direct \| New Site \| Mobile \| **Bonus** | ENABLED | Unset | `/savings` | **0 conv / $1,285 spend** | | Savings \| SP \| Direct \| New Site \| Desktop \| **Bonus** | ENABLED | Unset | `/savings` | **0 conv / $316 spend** | | Amir \| search \| mobile \| bc \| DE | ENABLED | Unset | Unknown | 0 impressions | > **Earny campaigns excluded** — both are PAUSED as of Sep 10. --- ## 1. Ad Copy vs. Landing Page Alignment ### Critical: Rate Claim Mismatch The `/savings` landing page title reads **"Up to 4.10% APY"** but the live rates shown on the page are **SoFi 3.80%, CIT 3.75%, Ivy 3.75%** — a 35 bp gap between the headline promise and what users actually see. Previously logged ad copy claimed **"Up To 5.70% APY"** against this same page, a 130 bp discrepancy. Even if that ad is now paused, any remaining active ads referencing rates above 3.80% are misaligned and create both a Quality Score penalty and a compliance/consumer protection risk. **Status:** P1 — 15+ days unresolved. ### Critical: Bonus Campaign → Savings Landing Page Mismatch Both active Bonus campaigns are routing users to `/savings`, which carries a logged `bonus_intent_mismatch` issue. The `/savings` page is structured around **rate comparison**, not signup bonuses. Users searching "no deposit bank bonus," "free money for opening bank account," or "bank account bonus" (three high-volume, zero-QS keywords flagged in the account) arrive at a page that doesn't answer their query. **Sep 10 result: $1,601 combined spend, 0 conversions.** This is a direct consequence of landing page-intent mismatch, not bid or budget failure. ### Competitor Keyword Misalignment Marcus-related keywords (`marcus hysa`, `marcus goldman sachs high yield savings`) have QS 1–2, explicitly logged as **below-average landing page experience**. These queries go to `/savings`, which has no dedicated Marcus content. Google is penalizing the account on these terms because the landing page cannot match user intent. --- ## 2. Landing Page Load Performance **Primary landing page: `pickyourbank.com/savings`** | Metric | Actual | Google Threshold | Delta | |---|---|---|---| | Desktop load time | **4,268ms** | ~3,000ms | **+1.3s over** | | Mobile load time | **3,566ms** | ~3,000ms | **+566ms over** | | Mobile resource count | 70 resources | — | 12 more than desktop | | Broken images | **9 assets** | 0 | P1 issue, 15 days overdue | Both desktop and mobile exceed Google's recommended threshold. The mobile page is particularly heavy (70 resources vs. 58 on desktop), likely driven by unoptimized image delivery and analytics/tracking script load order (GTM, Facebook Pixel, affiliate trackers). The 9 broken images — including the AI bot mascot, celebrity/CEO social proof assets, and geographic imagery — mean large portions of the page render broken for all users on all active campaigns. **Key drivers to fix:** - CDN/deployment pipeline issue in `/assets/` path (all 9 broken images are in this directory) - Lazy-load below-fold images (most of the 9 broken images appear to be below fold based on paths) - Audit GTM/affiliate tracker load order — likely blocking render --- ## 3. On-Page Conversion Signals by Quality Score | Keyword | QS | LP Experience | Notes | |---|---|---|---| | best savings interest rates | 10 | Above average | Strong alignment | | best online banking | 8 | Above average | Strong | | best savings accounts | 8 | Average | Room to improve | | best hysa | 7 | Average | — | | highest yielding savings account | 7 | Above average | — | | savings account with high interest | 7 | Above average | — | | chase hysa | 7 | Average | Competitor — no dedicated section | | savings account bonus | 5 | Average | **Misaligned — bonus intent, rate page** | | marcus hysa | 2 | **Below average** | No Marcus content on LP | | marcus goldman sachs high yield savings | 1 | **Below average** | Worst in account | The QS pattern is clear: generic savings/rate queries perform well; bonus-intent and competitor-brand queries get penalized. The landing page is well-matched to "best savings account" intent but fails for anything else routed to it. **Bonus-intent keywords with no QS data** (high spend exposure): - "free money for opening bank account" — ~$43K in implied traffic - "bank account bonus" — ~$24K - "open bank account get cash bonus" — ~$13K These have no QS logged because landing page experience is unscored/poor, and the Bonus campaigns routing to `/savings` for these terms generated $1,601 spend / 0 conversions on Sep 10 alone. --- ## 4. High-Payout Brand Landing Page Analysis Cross-referencing deals/payouts against landing page treatment: | Brand | Payout | Shown on `/savings`? | Rate Shown | LP Prominence Assessment | |---|---|---|---|---| | **SoFi** | **$475** | Yes | 3.80% | Featured in live rate table — good. Verify CTA links directly to SoFi affiliate and is not buried. | | **U.S. Bank** | **$350 (savings)** | Listed as top brand in campaigns | Not in live rate table data | **Not confirmed shown** — if absent from rate table, this is a high-value missed conversion. | | **AmEx Savings** | **$225** (best-only) | Not in live rate data | — | **Not confirmed shown** — "best only" condition suggests it needs prominent placement near top of list. | | **CIT Bank** | **$200** | Yes | 3.75% | In live rate table. | The two highest-revenue brands — **SoFi ($475)** and **U.S. Bank ($350)** — need audit priority. SoFi is confirmed visible. U.S. Bank is listed as a "top brand" in campaign metadata but does not appear in the `/savings` live rate table as currently logged. If U.S. Bank's card/tile is broken, hidden, or low in the list, every click on Broad and AI MAX campaigns is leaving significant revenue on the table. AmEx at $225 has a "best only" payout condition — meaning pickyourbank.com only earns the commission if the user is sent to AmEx's best available offer. If AmEx is not on the page or is outdated, this payout is forfeit entirely. --- ## 5. Prioritized Recommendations ### P0 — Fix Immediately (Active spend bleeding with no return) **1. Build a dedicated Bonus landing page and redirect active Bonus campaigns to it** Both Bonus campaigns (Mobile + Desktop) are ENABLED, spending ~$1,600/day, and converting at 0%. The `/savings` rate-comparison page cannot convert bonus-intent traffic. A dedicated `/bonus` or `/bank-bonus` page focused on signup bonus offers, eligibility, and CTAs is required before these campaigns should run another day. Until the page is live: **pause both Bonus campaigns** to stop hemorrhaging spend. **2. Fix 9 broken images on `/savings` (CDN path issue)** The `/assets/` directory is broken for all 9 flagged files. This affects every user on every active campaign. Fix the CDN deployment pipeline immediately — this has been open 15 days. Broken trust/social-proof imagery directly suppresses CTR on CTAs. **3. Audit and correct APY claims across all active ad copy** Confirm no live ads reference APY above 3.80% (the actual best rate on `/savings`). The page title claims 4.10%, which itself is 30bp above what's shown. Either update the page to show a product at 4.10%+ or update the title to 3.80%. Any ad copy claiming above the page's displayed rate is a Google policy violation and Quality Score liability. ### P1 — Fix Within 1 Week **4. Reduce page load to under 3s on both desktop and mobile** - Enable lazy loading for all below-fold images (the 9 broken images + other below-fold assets) - Move GTM, Facebook Pixel, and affiliate tracking scripts to async/defer loading - Audit the mobile resource count gap (70 vs. 58 desktop) — the 12 additional mobile resources are unexplained and likely duplicate tracker loads - Target: desktop < 2,800ms, mobile < 2,500ms **5. Verify U.S. Bank ($350) and AmEx ($225) are prominently displayed on `/savings`** Given these are the #2 and #3 payout brands, their position and CTA on the page should be validated. U.S. Bank should appear in the top 3–5 positions on the rate comparison list. AmEx should be present and linked to its best available product to satisfy the "best only" payout condition. **6. Create a dedicated Marcus competitor landing page (or section)** `marcus hysa` (QS:2) and `marcus goldman sachs high yield savings` (QS:1) are the worst-performing keywords in the account on landing page experience. A dedicated `/vs/marcus` page or an on-page Marcus comparison section with direct rate comparison and a CTA toward SoFi ($475) or CIT ($200) would address the QS penalty and capture the +74% WoW Marcus search volume surge currently going unconverted. ### P2 — Within 2 Weeks **7. Add SoFi above-fold CTA on `/savings`** SoFi at $475 is the highest-payout partner. Confirm it is not just in the rate table but has a prominent above-fold or sticky CTA. A "Best Pick" or "Editor's Choice" callout for SoFi with a direct conversion button could meaningfully lift revenue per visitor given the payout differential. **8. Add rate-freshness indicator to `/savings`** The title says "2026" but specific rates (3.80%, 3.75%) will drift. An explicit "Rates updated daily" or timestamp-based freshness signal near the rate table reduces user trust friction and reduces bounce from users who suspect stale data — which is a likely bounce driver given the 4.10% title vs. 3.80% table gap. **9. Validate Amir | search | mobile | bc | DE campaign before it scales** This ENABLED campaign has zero impressions and no documented landing page. Its purpose is undocumented. If it begins spending, it has no known alignment with any verified landing page. Review and either document or pause. --- ## Summary The single landing page (`/savings`) is handling all traffic from active campaigns but is mismatched to 40%+ of the intent signals being routed to it — specifically bonus-intent keywords and competitor-brand queries. The page also has 9 broken images and load times 20–40% above Google's threshold, both of which suppress conversion rate and Quality Score account-wide. The two highest-payout brands (SoFi $475, U.S. Bank $350) need verified placement confirmation. Fixing the Bonus campaign → landing page mismatch and the broken CDN assets are the two actions with the fastest impact on the current $1,600+/day zero-conversion waste.

No fresh Sep 11 data has been ingested into the pipeline yet. I'll produce today's review based on the most recent available data (Sep 10 snapshot) with full trend context, noting the data limitation. --- # Daily Campaign Performance Review — pickyourbank.com **Date:** Thursday, September 11, 2026 | **Account:** Z2A // Saving account (CID: 9523324548) **Data source:** Most recent available snapshot — Sep 10, 2026 (intra-day capture). No Sep 11 API pull is present in today's inputs. The account state described below is the live baseline entering today unless campaigns have been manually changed overnight. --- ## Account-Level Snapshot | Metric | Sep 10 (snapshot) | Sep 9 (full day) | DoD Change | |---|---|---|---| | Impressions | 10,521 | 23,074 | **–54%** | | Clicks | 872 | 2,228 | **–61%** | | CTR | 8.29% | 9.66% | –1.37pp | | Avg CPC | $6.46 | $4.48 | **+44%** | | Conversions | 4 | 180 | **–98%** | | CVR | 0.46% | 8.08% | –7.62pp | | Total Spend | $5,632.78 | $9,972.71 | –44% | | Blended CPA | $1,408.20 | $55.40 | **+2,443%** | > **Single-sentence account diagnosis:** The conversion collapse is not a performance deterioration — it is the complete removal of earny campaigns, which on Sep 9 generated 167 of 180 total conversions at a $2.33 CPA on ~$390 spend. Without earny, the remaining savings campaigns alone produce 4 conversions at $1,408 CPA while spending $5,600+/day. --- ## CRITICAL ALERT — Earny Campaigns PAUSED (Day 2) Both earny campaigns confirmed **PAUSED** as of Sep 10. No activity, no conversions. This is now entering a second day. | Campaign | Status | Sep 9 Conv | Sep 9 CPA | Sep 9 Spend | |---|---|---|---|---| | earny \| direct \| p-max \| mobile \| bonus | **PAUSED** | 158 | $1.56 | $247.09 | | earny \| direct \| search \| mobile \| bonus | **PAUSED** | 9 | $15.72 | $141.46 | **Impact of inaction (per day earny remains paused):** - ~160 conversions lost - ~$390 earny spend recovered, but $5,600+ savings spend continues unanchored - Smart Bidding on AI MAX is degrading without earny's conversion signals feeding the model - Each additional day off further erodes the bidding model's performance baseline **Root cause (unchanged from Sep 10):** Earny payout per conversion has not been confirmed. The P1 action first flagged Sep 7 remains unresolved. No entry exists for earny in the fixed-payout config — payout would need to be confirmed and entered, or campaigns formally closed. --- ## Campaign Performance (Sep 10 Snapshot — ENABLED only) | Campaign | Impr | Clicks | CTR | CPC | Conv | CVR | Spend | CPA | |---|---|---|---|---|---|---|---|---| | AI MAX (Desktop Exact) | 2,488 | 177 | 7.11% | $17.54 | 3 | 1.69% | $3,105.40 | $1,035.13 | | SP Mobile Broad | 5,105 | 310 | 6.07% | $2.99 | 1 | 0.32% | $925.37 | $925.37 | | SP Mobile Bonus | 1,416 | 315 | 22.25% | $4.08 | 0 | 0.00% | $1,285.76 | — | | SP Desktop Bonus | 1,512 | 70 | 4.63% | $4.52 | 0 | 0.00% | $316.25 | — | | Amir DE (ghost) | 0 | 0 | — | — | 0 | — | $0 | — | | Experiment (dormant) | 0 | 0 | — | — | 0 | — | $0 | — | | **TOTAL (active spend)** | **10,521** | **872** | **8.29%** | **$6.46** | **4** | **0.46%** | **$5,632.78** | **$1,408.20** | ### Campaign-level findings **AI MAX (Desktop Exact) — $3,105 spend / 55% of budget:** CPA has degraded three days in a row: $397 (Sep 8) → $590 (Sep 9) → $1,035 (Sep 10). The Smart Bidding model was calibrated on earny's volume; with that signal removed, tCPA bids are now chasing targets the model can no longer achieve. Continuing at current bid levels will worsen the CPA trend further on Sep 11. **SP Mobile Bonus — $1,285 spend / 0 conversions:** Highest CTR in the account (22.25%) driven by zero-intent keywords — "free money," "no deposit," "bank account bonus." These users are not savings account converters. Every dollar here is wasted. This campaign is the most immediately addressable budget drain. **SP Mobile Broad — $925 spend / 1 conversion ($925 CPA):** Broad match against savings keywords is generating volume but not at a payout-positive CPA. At $925 CPA against the highest payout in the account (SoFi at $475), this campaign loses $450+ per conversion. **SP Desktop Bonus — $316 spend / 0 conversions:** Lower scale version of the Bonus waste. Compound issue with SP Mobile Bonus. --- ## Keyword Performance ### Top Spenders (Sep 10) | Keyword | Campaign | Match | QS | Spend | Conv | CPA | Action | |---|---|---|---|---|---|---|---| | highest yielding savings account | AI MAX | EXACT | 7 | $1,086.54 | 2 | $543.27 | Monitor — above all payouts | | best hysa | AI MAX | EXACT | 7 | $900.10 | 0 | — | **PAUSE** — $900 at 0 conv | | best savings accounts | AI MAX | EXACT | 8 | $502.56 | 1 | $502.56 | Borderline — watch | | free bank account with no deposit | SP Mob Bonus | BROAD | — | $304.26 | 0 | — | **PAUSE** — wrong intent | | bank account bonus | SP Mob Bonus/Broad | BROAD | — | $293.23 | 0 | — | **PAUSE** — wrong intent | | open a bank account online free no deposit | SP Mob Bonus | BROAD | — | $264.54 | 0 | — | **PAUSE** — wrong intent | | free money for opening bank account | SP Mob Broad | BROAD | — | $262.30 | 0 | — | **PAUSE** — wrong intent | | marcus goldman sachs hysa | AI MAX | EXACT | 3 | $146.40 | 0 | — | **P0 — PAUSE NOW (18 days overdue)** | | open a bank account with no deposit required | SP Mob Bonus | BROAD | — | $173.52 | 0 | — | **PAUSE** | | ally bank high yield savings | AI MAX | BROAD | 3 | $88.59 | 0 | — | **P1 — PAUSE (13 days overdue)** | ### Best Performers (Sep 10) | Keyword | Match | QS | Spend | Conv | CPA | vs. Payouts | |---|---|---|---|---|---|---| | savings accounts high interest | BROAD | — | $84.24 | 1 | $84.24 | Profitable vs. all 4 brands | | highest yielding savings account | EXACT | 7 | $1,086.54 | 2 | $543.27 | Profitable vs. SoFi only ($475) | | best savings accounts | EXACT | 8 | $502.56 | 1 | $502.56 | Borderline vs. SoFi only | **Only 1 keyword today was profitable against any deal on the chart:** "savings accounts high interest" at $84 CPA, profitable against SoFi ($475), U.S. Bank Savings ($350), AmEx ($225), and CIT Bank ($200). --- ## Revenue vs. Payouts Analysis ### Fixed-Payout Brands (from deals document) | Brand | Payout | Sep 10 Savings CPA Range | Profitable? | Est. Net/Conv | |---|---|---|---|---| | SoFi | $475 flat | $925–$1,408 | **No** | –$450 to –$933 | | U.S. Bank Savings | $350 | $925–$1,408 | **No** | –$575 to –$1,058 | | American Express HYSA | $225 | $925–$1,408 | **No** | –$700 to –$1,183 | | CIT Bank Platinum Savings | $200 | $925–$1,408 | **No** | –$725 to –$1,208 | | U.S. Bank Checking | $120 | $925–$1,408 | **No** | –$805 to –$1,288 | ### CSV-Revenue Brands (no fixed payout configured) Ivy Bank, Barclays, KeyBank, Consumers CU, Alliant, HSBC, Capital One 360, Cash App — all on network CSV import. With no fixed payout, profitability cannot be confirmed in real time. These are additional downside risk for savings campaigns if CSV revenue is lower than the fixed-payout benchmarks. ### P&L Estimate (Sep 10) | | Sep 10 | |---|---| | Blended payout (4 fixed brands, equal weight) | $312.50 | | Conversions | 4 | | Estimated Revenue | **$1,250.00** | | Total Spend | **$5,632.78** | | **Estimated Net P&L** | **–$4,382.78** | | Revenue-to-spend ratio | **$0.22 per $1 spent** | For every dollar spent on Sep 10, the account returned approximately **22 cents** in estimated revenue. --- ## Performance Trend — Last 14 Days | Date | Spend | Conv | CPA | Key Driver | Notes | |---|---|---|---|---|---| | Aug 18 | $8,253 | 40 | $206 | Savings only | | | Aug 22 | $5,776 | 15 | $385 | Savings only | | | Aug 24 | $1,865 | 6 | $311 | Throttled | Budget cap hit | | Aug 26 | $1,493 | 1 | $1,493 | Throttled | Worst CPA | | Sep 1 | $3,616 | 17 | $213 | Restart + earny | | | Sep 3 | $2,927 | 171 | $17 | Earny at scale | P-Max: 158 conv | | Sep 6 | $1,263 | 100 | $13 | Earny at scale | P-Max: 89 conv | | Sep 8 | $11,143 | 183 | $61 | Monday spike | Investigate cause | | Sep 9 | $9,973 | 180 | $55 | Earny + savings | earny: 167 conv at $2.33 CPA | | **Sep 10** | **$5,633** | **4** | **$1,408** | **Savings only** | **Earny PAUSED — Day 1** | | **Sep 11** | **TBD** | **TBD** | **~$1,400+** | **Savings only** | **Earny PAUSED — Day 2 (expected)** | **Trajectory without earny resolution:** The AI MAX CPA has degraded 3 days running as Smart Bidding loses conversion signal. Sep 11 CPA is likely to worsen further, not improve. --- ## Open Actions — Priority Status & Escalation | Priority | Action | Days Overdue | Yesterday's Cost | Cumulative Waste | Status | |---|---|---|---|---|---| | **P0 🔴** | Confirm earny payout → reactivate or formally close | 4+ days | 160+ conv dark | Unknown | **UNRESOLVED — Day 2** | | **P0 🔴** | Pause `marcus goldman sachs hysa` keyword | **18 days** | ~$146 | ~$2,600+ | **UNRESOLVED** | | **P0 🔴** | Add marcus/goldman sachs neg KWs to AI MAX | **18 days** | Included above | ~$2,600+ | **UNRESOLVED** | | **P0 🔴** | Pause Experiment campaign (Budget ID 14151937593) | **18 days** | $0 (dormant) | Zero spend risk | **UNRESOLVED** | | **P1 🟡** | Pause / restructure SP Mobile Bonus Bonus KWs | Escalated | $1,286 | Multi-day waste | **UNRESOLVED** | | **P1 🟡** | Pause `ally bank high yield savings` (QS:3) | **13 days** | $89 | ~$1,100+ | **UNRESOLVED** | | **P1 🟡** | Reduce AI MAX tCPA bid / add audience signals | Urgent today | CPA $1,035 | Degrading | **UNRESOLVED** | | **P1 🟡** | Fix 9 broken images on /savings (CDN issue) | **16 days** | CVR drag | Unknown CVR loss | **UNRESOLVED** | | **P2 🟢** | Build Marcus brand query campaign | Open | Opportunity | — | Not started | | **P2 🟢** | Add Vio Bank, Bask Bank to AI MAX | Open | Opportunity | — | Not started | --- ## Today's Recommended Actions (September 11) ### Immediate — Do Before 10 AM **1. Resolve earny campaign status** *(highest urgency, highest impact)* This is now Day 2 of earny being dark. The longer this stays unresolved, the more the AI MAX Smart Bidding model degrades. Contact earny today to confirm payout per conversion. If payout is confirmed: reactivate both campaigns immediately. If unconfirmed or rejected: formally pause with notes and reallocate the freed budget signal to savings. A decision today costs nothing. Another day of inaction costs 160+ conversions and continues to erode the bidding model. **2. Pause `marcus goldman sachs hysa` keyword** *(30 seconds, 18 days overdue)* No deal with Marcus/Goldman Sachs. QS:3. Zero revenue potential. Has burned an estimated $2,600+ over 18 days. This is the most overdue and easiest fix in the account. Pause now. **3. Pause `best hysa` keyword temporarily** *(high-spend, zero conversions on Sep 10)* $900 in a single day with 0 conversions. Even at QS:7, with earny's conversion signal removed from Smart Bidding, this keyword is driving high CPCs with no return. Pause until earny is resolved and the model re-calibrates. **4. Pause `ally bank high yield savings` BROAD match** *(13 days overdue, QS:3)* Low Quality Score + broad match + zero revenue deal alignment = pure waste at ~$89/day. ### Today — Within Business Hours **5. Reduce AI MAX tCPA bid target** CPA has deteriorated $397 → $590 → $1,035 over three days. The root cause is Smart Bidding chasing a target without earny's volume to anchor it. Lower the tCPA to reduce overspending until conversion signal is restored. A 30–40% reduction in tCPA target is warranted given current conditions. **6. Pause or overhaul SP Mobile Bonus campaign** $1,285 spend on Sep 10, 0 conversions. Keywords like "free money for opening bank account" and "open a bank account with no deposit" are attracting users with no savings account intent. Either pause the campaign entirely or immediately add "no deposit," "free money," "no minimum" as negative keywords and tighten to savings-specific intent only. **7. Pause SP Desktop Bonus campaign** Lower scale ($316/day) but same problem as SP Mobile Bonus — zero conversions, wrong-intent keywords. ### This Week **8. Fix broken CDN images on /savings** *(16 days outstanding)* 9 broken product images suppressing CVR on the primary savings landing page. Every dollar spent on savings campaigns is converting at a rate depressed by this issue. **9. Pause Experiment campaign** *(Budget ID 14151937593)* 18+ days dormant. Zero impressions, zero spend. Holding budget allocation with no return and no path to activation. --- ## Summary The account is in a structural crisis driven by one unresolved question: **is earny's payout confirmed?** When earny was live (Sep 3–9), the account ran at $13–$55 CPA with 100–183 daily conversions. Without it (Sep 10, and almost certainly Sep 11), savings campaigns alone run at $1,400 CPA — burning $5,600+/day to generate an estimated $1,250 in revenue, a net loss of ~$4,400/day. Against the deals document, no savings campaign is profitable at current CPAs. The highest fixed payout is SoFi at $475; the lowest savings CPA on Sep 10 was $925. The gap is structural, not marginal — bids would need to fall by ~50% or conversion rates double for savings campaigns to break even on known payouts. The four most critical actions today — **earny resolution, marcus keyword pause, best hysa pause, and AI MAX bid reduction** — require less than 30 minutes of execution time combined and directly address the primary sources of daily cash burn.

Now I have everything I need. Let me synthesize all data into a full analysis. --- # Budget & Bid Optimization Report — pickyourbank.com **Analysis Date:** September 10, 2026 | **Scope:** ENABLED/ACTIVE campaigns only --- ## Executive Summary The account is in a critical state today: **4 conversions at $1,408 CPA / $5,633 spend / estimated net P&L -$4,383.** The core problem is structural — roughly **$3,001/day is being wasted** on three non-performing enabled campaigns while the two productive savings campaigns are underfunded, over-budgeted relative to their QS, and bidding on brand keywords that actively harm performance. Separately, resolving the Earny payout hold is the single biggest ROI lever in the account (lost opportunity: ~160 conversions/day). --- ## Brand Payout Reference All CPA targets and budget recommendations below are anchored to confirmed payouts: | Brand | Payout/Conv | Min Profitable CPA (50% margin) | Max Allowable CPA (breakeven) | |---|---|---|---| | SoFi | $475 | $237 | $475 | | U.S. Bank Savings | $350 | $175 | $350 | | AmEx Savings (best only) | $225 | $112 | $225 | | CIT Bank | $200 | $100 | $200 | | U.S. Bank Checking | $120 | $60 | $120 | | **Blended estimate** | **~$340** | **~$170** | **~$340** | A conservative blended payout of ~$340 (weighted toward SoFi/U.S. Bank Savings which are the top brands in both active campaigns) sets a **hard ceiling of $340 CPA** for any savings campaign to break even, and **$170 CPA target to hit 50% margin.** --- ## Campaign-by-Campaign Analysis ### 1. Savings | SP | Direct | New Site | Mobile | Broad **Status: ENABLED | Budget: $2,500/day | Strategy: MAXIMIZE_CONVERSIONS** **Performance:** - Week of Aug 18–24: 183 conv, $38,256 spend, **CPA $209** — profitable within payout range - Rank-lost IS: **88.9%** (the most alarming signal) - Budget-lost IS: **7.5%** — budget is NOT the bottleneck; bid rank is - Avg CPC: $4.98 **Diagnosis:** The 88.9% rank-lost IS means the campaign is losing nearly 9 out of 10 available impressions due to bid rank, not budget. Meanwhile, top search terms show this campaign is spending heavily on **zero-ROI bonus-intent queries** — "banks that pay you to open an account with no deposit" ($2,181), "instant cash for opening bank account" ($2,230), "start a bank account online with no deposit $1,000 on opening" ($1,857) — totaling **$6,268 from these three terms alone with zero confirmed conversions.** The broad match targeting is capturing these queries because there's no campaign-level negative keyword list blocking bonus intent. **Recommendations:** | Action | Priority | Impact | |---|---|---| | Add campaign-level negatives: "no deposit," "free money," "instant cash," "cash bonus," "no minimum deposit," "free cash" | **Immediate** | Stop $3,000–$4,000/day in wasted spend on bonus-intent traffic | | After negatives are live, increase budget from $2,500 → $3,500/day | **This week** | Recapture rank on high-QS savings terms; funded from paused campaigns below | | Do NOT raise bids before adding negatives | — | Raising bids now rewards the wrong traffic | --- ### 2. savings | direct | Search | Desktop | Exact | AI MAX **Status: ENABLED | Budget: $1,800/day | Strategy: MAXIMIZE_CONVERSIONS | Shared bidding: HQ** **Performance:** - CPA trajectory: Sep 8 $397 → Sep 9 $590 → Sep 10 $1,035 (rapidly degrading) - Rank-lost IS: **67.6%** (jumped +19.5pp WoW — aggressive competitor bid surge confirmed) - Budget-lost IS: 18.9% - Avg CPC last week: $9.34 **Diagnosis:** Three compounding problems are destroying CPA: 1. **Marcus keywords are poisoning QS.** `marcus goldman sachs high yield savings` has **QS 1** (the floor) and `marcus hysa` has **QS 2.** These keywords are bleeding ~$146/day in spend with no realistic path to conversion — pickyourbank.com cannot match the relevance score of marcus.com for marcus branded queries. Low QS inflates CPCs across the entire campaign. 2. **No negative keyword fence.** Marcus-branded search terms ("marcus by goldman sachs" — 40 clicks/$469, "marcus hysa" — 19 clicks/$314) are flowing through despite these being 17 days overdue for blocking. These terms are paying $12–$17 CPC to send traffic to a comparison page that isn't optimized for the comparison. 3. **Bid is too high post-competitor surge.** The Maximize Conversions algorithm is bidding aggressively into a market where competitors just raised bids +19.5pp on impression share. The campaign is overpaying for rank on keywords it's losing anyway (67.6% rank-lost IS). **Recommendations:** | Action | Priority | Impact | |---|---|---| | Pause `marcus goldman sachs hysa` EXACT keyword immediately | **P0 — 17 days overdue** | Save $146/day; remove QS 1 anchor dragging campaign | | Add `marcus`, `goldman sachs` as campaign-level negatives | **P0 — 17 days overdue** | Block branded queries bleeding through broad/AI expansion | | Reduce tCPA target to **$175–$200** (from implied current target driving $590–$1,035 CPA) | **This week** | Align with blended payout breakeven ($170); cap downside | | Pause `ally bank high yield savings` BROAD keyword (QS 3, 45.5% rank-lost IS, $89/day waste) | **P1 — 12 days overdue** | Remove another low-QS anchor | | Hold budget at $1,800 until CPA stabilizes after above fixes | — | Don't feed a degrading algorithm | | Reassess and consider tCPA increase toward $225 if CPA normalizes by Sep 17 | **Next week** | Optimize toward 50% margin on blended payout | **Overbidding diagnosis confirmed:** At the current CPA of $1,035 against a max payout of $475 (SoFi), the campaign is generating **-$560 net loss per conversion.** Even against historical CPA of $397–$417, margin is razor thin ($58–$78/conv on SoFi only). The tCPA needs to come down to $175–$200 to be durably profitable across the brand mix. --- ### 3. B | Savings | Leads | Search | Desktop | tCPA | General | Broad | Experiment **Status: ENABLED | Budget: $1,400/day | Budget ID: 14151937593** **Performance:** - 32+ consecutive days: **zero impressions, zero spend, zero conversions** - 17+ days since P0 pause action was first flagged **Diagnosis:** This campaign is consuming a $1,400/day budget allocation while delivering nothing. Whether Google is not entering it into auctions due to QS/targeting issues or the campaign has exhausted its audience, the outcome is identical: the money is budgeted but producing zero return. **Recommendations:** | Action | Priority | Impact | |---|---|---| | **Pause immediately** | **P0 — 17 days overdue** | Free $1,400/day for reallocation | | Reallocate $1,000/day to Mobile SP Broad (after negatives added) | Simultaneous | Fund rank improvement on highest-volume campaign | | Reallocate $400/day to new Marcus Brand Campaign (see Section 6) | Simultaneous | Capture +74% WoW Marcus query surge | --- ### 4. Savings | SP | Direct | New Site | Mobile | Bonus **Status: ENABLED | Budget: unknown (est. ~$1,285/day based on Sep 10 actual)** **Performance:** - Sep 10: **$1,285 spend, 0 conversions, 0 revenue** - Top search terms feeding this campaign: bonus-intent, no-deposit queries with no QS data (no conversion history) **Diagnosis:** This campaign is targeting queries like "free money for opening bank account" (rank-lost IS 89.9%, QS: no data) and "open bank account get cash bonus" (rank-lost IS 89.4%). These searchers are looking for no-cost cash handouts — they are structurally unlikely to click through to a rate comparison page and convert for an affiliate payout. The zero conversion result on $1,285 spend confirms this. There is no path to profitability here without a dedicated bonus/cash-back landing page and a brand that actually offers a cash bonus to new depositors. pickyourbank.com as a comparison site doesn't match this intent. **Recommendations:** | Action | Priority | Impact | |---|---|---| | **Pause immediately** | **P0 — escalated from P1** | Stop $1,285+/day in confirmed zero-ROI spend | | Do not rebuild until a bonus-specific landing page exists | — | Structural intent mismatch can't be solved with bid changes | --- ### 5. Savings | SP | Direct | New Site | Desktop | Bonus **Status: ENABLED | Budget: unknown (est. ~$316/day based on Sep 10 actual)** **Performance:** - Sep 10: **$316 spend, 0 conversions** - Same structural issue as Mobile Bonus above **Recommendations:** | Action | Priority | Impact | |---|---|---| | **Pause immediately** | **P0** | Stop $316+/day in zero-ROI spend | --- ### 6. Amir | search | mobile | bc | DE **Status: ENABLED | Budget: unknown | Sep 10 spend: $0** **Performance:** - Zero impressions, zero spend on Sep 10 - No documentation on purpose, targeting, or owner **Recommendations:** | Action | Priority | | |---|---|---| | Review targeting/purpose with team | **P2** | If no owner or rationale identified within 7 days, pause | --- ## Budget Reallocation Plan **Current state (ENABLED campaigns only):** | Campaign | Daily Budget | Sep 10 Spend | Sep 10 Conv | Assessment | |---|---|---|---|---| | Mobile SP Broad | $2,500 | ~$2,747* | ~4 | Keep — fix negatives first | | Desktop Exact AI MAX | $1,800 | ~$1,285* | ~4 (shared) | Keep — fix bids/QS | | Experiment (Dormant) | $1,400 | $0 | 0 | **PAUSE → redeploy** | | Mobile Bonus | ~$1,285 | $1,285 | 0 | **PAUSE → redeploy** | | Desktop Bonus | ~$316 | $316 | 0 | **PAUSE → redeploy** | | Amir | unknown | $0 | 0 | Hold/review | | **Total waste** | **~$3,001/day** | — | — | — | *Estimated from total Sep 10 spend of $5,633 minus $1,285 and $316 confirmed bonus spend. **Proposed reallocation:** | Destination | From | Daily Budget Change | Rationale | |---|---|---|---| | Mobile SP Broad | Experiment campaign | +$1,000 → new total $3,500 | Highest volume, CPA within payout range; rank-lost IS 88.9% means room to scale with better bids | | Desktop Exact AI MAX | Hold | $1,800 (no change) | Fix QS/negatives first; don't scale a degrading campaign | | Marcus Brand Campaign (new) | Experiment campaign | +$400 → new total $400 | Capture +74% WoW Marcus query surge with purpose-built campaign | | Earny reserve | Mobile/Desktop Bonus | +$1,201 → hold for reactivation | Stage budget for earny restart once payout is confirmed | --- ## New Campaign: Marcus Brand Queries **Priority: P2 | Proposed budget: $400/day** Marcus brand queries are up +74% WoW and generating significant search volume. Currently these queries are being captured by AI MAX with QS 1–2 keywords at $13–$16 CPC with terrible relevance scores. A dedicated brand comparison campaign would: - Achieve better QS through dedicated ad copy ("Marcus vs. SoFi" comparisons, specific APY callouts) - Lower effective CPC vs. the current QS 1 penalty in AI MAX - Convert comparison-minded searchers toward SoFi ($475) or CIT ($200) alternatives - Target tCPA: $150–$175 (below breakeven on CIT $200 payout, profitable on SoFi/U.S. Bank) **Required before launch:** A dedicated landing page or section comparing Marcus HYSA vs. alternatives. The current /savings page has no marcus-specific content, which is why QS is 1. --- ## Bid Strategy Summary | Campaign | Current Implied tCPA | Recommended tCPA | Rationale | |---|---|---|---| | Mobile SP Broad | ~$209 (within range) | $170–$200 | Already profitable; target 50% margin on blended payout; clean negatives before adjusting | | Desktop Exact AI MAX | ~$1,035 (today) / $400 (historical) | **$175–$200** | Hard ceiling = lowest payout tier ($200 CIT). Fix marcus kw first, then set target | | Marcus Brand (new) | — | $150–$175 | Profitable on CIT $200; scales if SoFi conversions develop | | Earny P-Max (paused) | $1.56 historical CPA | TBD | Confirm payout first — if $10+/conv, this was a gold mine | | Earny Search (paused) | $15.72 historical CPA | TBD | Profitable only if payout >$25/conv | --- ## Top Priority Actions (Ranked by $ Impact) | # | Action | Daily $ Impact | Days Overdue | |---|---|---|---| | 1 | Confirm Earny payout + reactivate P-Max | +160 conv/day recovered | — | | 2 | Pause Experiment campaign | $1,400/day freed | **17 days** | | 3 | Pause Mobile Bonus campaign | $1,285/day saved | — | | 4 | Add bonus-intent negatives to Mobile SP Broad | $3,000–$4,000/day misallocated spend corrected | — | | 5 | Pause Desktop Bonus campaign | $316/day saved | — | | 6 | Pause marcus EXACT kw in AI MAX + add negatives | $146/day saved + QS recovery | **17 days** | | 7 | Reduce AI MAX tCPA to $175–$200 | Stops -$560/conv losses at current CPA | — | | 8 | Pause ally bank BROAD keyword | $89/day saved | **12 days** | | 9 | Increase Mobile SP Broad budget to $3,500 | Scale what's working | After items 4 & 5 done | | 10 | Launch Marcus Brand campaign | Capture +74% WoW query surge | — | --- ## Key Risks - **Earny resolution is the critical path.** Sep 2–9 the account averaged 110–182 conv/day largely driven by Earny (160 conv/day). Sep 10 without Earny: 4 conv. Every day without resolution costs ~156 conversions. - **Do not increase AI MAX budget** while CPA is $1,035. The Maximize Conversions algorithm needs a tCPA ceiling constraint before receiving more money. - **Bonus campaigns have a structural intent problem** — budget increases will not fix zero conversion rates on "free money" queries. These must be paused, not optimized. - **Landing page QS issues** (9 broken images, 4.2–4.6 second load times) are suppressing QS across all campaigns. Fixing the CDN issue is a force multiplier for every bid adjustment above.

--- # Daily Campaign Performance Review — pickyourbank.com **Wednesday, September 10, 2026** | Google Ads API v24 | CID: 9523324548 (Z2A // Saving account) --- ## Account-Level Snapshot | Metric | Sep 10 (today) | Sep 9 (full day) | DoD Change | |---|---|---|---| | Impressions | 10,521 | 23,074 | **–54%** | | Clicks | 872 | 2,228 | **–61%** | | CTR | 8.29% | 9.66% | –1.4pp | | Avg CPC | $6.46 | $4.48 | +44% | | Conversions | **4** | **180** | **–98%** | | CVR | 0.46% | 8.08% | –7.6pp | | Total Spend | $5,632.78 | $9,972.71 | –44% | | **Blended CPA** | **$1,408.20** | **$55.40** | **+2,443%** | The 98% drop in conversions has a single cause: **both earny campaigns are now PAUSED.** --- ## CRITICAL ALERT: Earny Campaigns Paused — Account in Freefall Both earny campaigns show zero activity today. They were the account's dominant conversion engine: | Campaign | Sep 9 Conv | Sep 9 CPA | Sep 9 Spend | Current Status | |---|---|---|---|---| | earny \| direct \| p-max \| mobile \| bonus | 158 | $1.56 | $247.09 | **PAUSED** | | earny \| direct \| search \| mobile \| bonus | 9 | $15.72 | $141.46 | **PAUSED** | On $389/day earny was delivering 167 conversions. Without it, the account spends $5,633 today and gets 4 conversions — all savings, all loss-making. **Likely cause:** The P1 "confirm earny payout" action was never resolved. Campaigns were likely manually paused pending payout confirmation. This must be answered today. --- ## Campaign Performance (ENABLED only, Sep 10) | Campaign | Impr | Clicks | CTR | CPC | Conv | CVR | Spend | CPA | |---|---|---|---|---|---|---|---|---| | AI MAX (Desktop Exact) | 2,488 | 177 | 7.11% | $17.54 | 3 | 1.69% | $3,105.40 | $1,035.13 | | SP Mobile Broad | 5,105 | 310 | 6.07% | $2.99 | 1 | 0.32% | $925.37 | $925.37 | | SP Mobile Bonus | 1,416 | 315 | 22.25% | $4.08 | 0 | 0.00% | $1,285.76 | — | | SP Desktop Bonus | 1,512 | 70 | 4.63% | $4.52 | 0 | 0.00% | $316.25 | — | | Experiment (dormant) | 0 | 0 | — | — | 0 | — | $0 | — | | Amir DE (ghost) | 0 | 0 | — | — | 0 | — | $0 | — | AI MAX CPA is deteriorating rapidly: **$397 (Sep 8) → $590 (Sep 9) → $1,035 (Sep 10).** Smart Bidding has lost its earny-era conversion signals and is over-bidding into a loss. --- ## Keyword Highlights (Sep 10) ### Biggest Wasters — Action Required Today | Keyword | Match | QS | Spend | Conv | Overdue | |---|---|---|---|---|---| | best hysa | EXACT | 7 | $900.10 | 0 | — Pause today | | free bank account with no deposit | BROAD | — | $304.26 | 0 | — Pause today | | open a bank account online free no deposit | BROAD | — | $264.54 | 0 | — Pause today | | bank account bonus (combined) | BROAD | — | $293.23 | 0 | — Pause today | | **marcus goldman sachs hysa** | EXACT | 3 | $146.40 | 0 | **17 days overdue** | | ally bank high yield savings | BROAD | 3 | $88.59 | 0 | **12 days overdue** | ### Only Profitable Keyword Today | Keyword | Match | Spend | Conv | CPA | Note | |---|---|---|---|---|---| | savings accounts high interest | BROAD | $84.24 | 1 | **$84.24** | Only KW below any payout threshold | --- ## Revenue vs. Payouts | Brand | Payout | Today's Savings CPA | Est. Net/Conv | |---|---|---|---| | SoFi | $475 | $925–$1,035 | **–$450 to –$560** | | U.S. Bank Savings | $350 | $925–$1,035 | **–$575 to –$685** | | AmEx Savings | $225 | $925–$1,035 | **–$700 to –$810** | | CIT Bank | $200 | $925–$1,035 | **–$725 to –$835** | | Marcus/Goldman | No deal | $146 wasted | –$146 | | earny | **Unconfirmed** | PAUSED | Unknown | **Today's Estimated P&L:** - Revenue: 4 conv × $312.50 blended payout = **$1,250** - Spend: **$5,632.78** - **Net: –$4,382.78** Every active savings campaign is loss-making against all known payout rates. --- ## Open Actions — Updated | Priority | Action | Days Overdue | Est. Daily Waste | |---|---|---|---| | **P0** | **Confirm earny payout — reactivate or close campaigns** | — | **160+ conv/day offline** | | P0 | Pause `marcus goldman sachs hysa` EXACT keyword | **17** | $146 | | P0 | Add marcus/Goldman neg KWs to AI MAX | **17** | Included above | | P0 | Pause Experiment campaign (ID: 22379242215) | **17** | $0 (dormant, risk) | | **P0** | **Pause or rebuild SP Mobile Bonus campaign** | — (escalated) | **$1,285** | | P1 | Pause `ally bank high yield savings` BROAD | **12** | $89 | | P1 | Fix 9 broken images on /savings (CDN issue) | **15** | CVR suppression | | P1 | Review AI MAX tCPA bid — CPA degrading without earny signals | — | — | --- ## Recommended Actions — Priority Order **Do immediately:** 1. **Resolve earny payout and reactivate** — Every hour they're paused costs ~7 conversions at ~$2 CPA. If payout is confirmed, reactivate now. If rejected, close formally and reallocate budget. This is the most high-value action in the account. 2. **Pause `marcus goldman sachs hysa`** — 30-second action, 17 days overdue, $146 wasted today. No deal with Marcus, no possible revenue. 3. **Pause `ally bank high yield savings` BROAD (QS:3)** — 12 days overdue, $89 today. 4. **Pause `best hysa`** — $900 spent today with 0 conversions. Pause pending earny resolution. **This week:** 5. **Pause or restructure SP Mobile Bonus** — $1,285/day at 0 conversions is not a bonus campaign, it's an intent mismatch. Keywords like "free bank account no deposit" and "free money for opening bank account" have no affinity with high-yield savings comparison. Pause all keywords except savings-specific bonus terms. 6. **Hold AI MAX tCPA bid** — Do not raise bids while earny is paused. Smart Bidding has lost its conversion history anchor; raising bids now will worsen CPA further. 7. **Pause Experiment campaign** — 17+ days of zero impressions. 30 seconds to action. --- *Report generated: Sep 10, 2026 | Full report saved to `artifacts/daily_campaign_performance_review_2026-09-10.md`*

Here is the full analysis based on all active (ENABLED) campaigns, ads, deals/payouts data, and search term intelligence. --- # Ad Copy & Creative Insights — PickYourBank.com **Analysis date: September 9, 2026 | Active entities only** --- ## 1. Active Ad Inventory & Strength Ratings Only four ads across the active campaigns have tracked creative data: | Ad ID | Campaign | Ad Group | Ad Strength | Status | |---|---|---|---|---| | 816515302719 | AI MAX (Desktop Exact) | HY | **EXCELLENT** | ENABLED | | 746774120764 | SP Direct (Mobile Broad) | Depositing Search Terms \| Broad | **GOOD** | ENABLED | | 817457594304 | SP Direct (Mobile Broad) | Bonus \| Broad | **GOOD** | ENABLED | | 808777333897 | AI MAX (Desktop Exact) | HY | **AVERAGE** | ENABLED — **P0 waste** | The earny P-Max and earny Search campaigns are ENABLED but lack individual ad-level creative records in the current data pull, meaning Google is auto-generating assets — a gap addressed in Section 9. Three additional ENABLED campaigns have **zero active creative delivery**: the tCPA experiment (32+ days dormant), the Amir campaign (zero impressions, unknown purpose), and all ads within those campaigns are effectively non-serving. --- ## 2. Active Ad Copy Themes Based on ad group names, search term data, and landing page assignments, four distinct creative themes are currently in the market: ### Theme A — High-Yield Rate Comparison (HY) **Campaigns:** AI MAX Desktop Exact | **Ad groups:** HY **Targeting:** "best hysa," "highest yielding savings account," "best savings interest rates," etc. **Core message hook:** Best live APY rates, comparison of top banks. The **EXCELLENT** ad (816515302719) owns this theme and is the account's primary converting creative. On Aug 25 it delivered 5 conversions at $157 CPA with 7.6% CVR — well below the account-wide CPA of $209–$417. This is the benchmark creative. The **AVERAGE** ad (808777333897) competes in the same HY ad group. It has delivered **0% CVR across five consecutive flagged days** with $634 in cumulative waste since first flagged Aug 22 — over two weeks unpaused. The contrast between these two ads in the same ad group tells a clear story: one variation's messaging converts; the other does not. **Quality Score support for this theme is strong:** "best savings interest rates" = QS 10, "best savings accounts" = QS 8, "best online banking" = QS 8, "savings account with high interest" = QS 7. Google considers the ad copy well-matched to these queries. ### Theme B — Bonus / Incentive (Depositing + Bonus) **Campaigns:** SP Direct Mobile Broad | **Ad groups:** Depositing Search Terms \| Broad, Bonus \| Broad **Targeting:** "banks that pay you to open an account," "instant cash for opening bank account," "start a bank account online with no deposit $1000 on opening," etc. **Core message hook:** Cash bonuses and incentives for opening a new bank account. This theme is the **highest volume driver** in the account. The three top bonus search terms alone account for 1,410 clicks and $6,268 in cost this week. CTRs on these terms are remarkably high: 26.7% on "instant cash for opening bank account" and 37.7% on "start a bank account online with no deposit $1000 on opening," indicating the ad copy resonates strongly with intent. However, **these three terms have no Quality Score data**, which is a yellow flag — either the match type is too broad for QS to stabilize, or the ads have not been live long enough. Given $43K in historical spend on "free money for opening bank account" alone (QS absent), this is an urgent gap. ### Theme C — Competitor Brand Comparison **Campaigns:** AI MAX Desktop Exact | **Targeting:** Marcus, Ally, Capital One, Chase, Discover **Core message hook:** Compare named competitors to the site's top-rated picks. This theme is in **serious trouble from an ad copy standpoint.** Quality Scores on competitor terms are extremely low: | Keyword | QS | LP Experience | |---|---|---| | marcus goldman sachs high yield savings | **1** | Below average | | marcus hysa | **2** | Below average | | ally bank high yield savings | **3** | — | | discover high yield savings | 3 | — | A QS of 1–2 on "marcus hysa" means Google has judged the ad copy essentially irrelevant to that query. The user is looking for Marcus content; the ad is apparently serving a generic HYSA rate comparison headline. CPCs reflect this: "marcus hysa" costs $16.47/click and "marcus by goldman sachs" $11.73/click — premium prices for poor-quality placements. Yet marcus brand search volume surged **+74% WoW**, making this theme a significant missed opportunity. ### Theme D — Earny Bonus (New September 2026) **Campaigns:** earny P-Max + earny Search | **Core hook:** App-driven bonus/cashback angle **Status:** 133–160 conversions/day at $1.77–$2.91 CPA — dominant volume driver since Sep 1. Earny payout is **unconfirmed**, which creates a revenue risk hidden behind strong conversion metrics. The ad copy and assets for these campaigns are unreviewed because individual creative records are absent from the data. This is the most important blind spot in the account. --- ## 3. Performance Comparison: Rate Theme vs. Bonus Theme | Metric | HY Rate Theme (AI MAX) | Bonus Theme (SP Direct Mobile) | |---|---|---| | Weekly clicks | 1,073 | 7,686 | | Weekly conversions | 24 | 183 | | CTR | 4.4% | **20.9%** | | CPA | $417.55 | $209.05 | | WoW CPA change | +1.4% | **+18.7% degradation** | | Impression share | 13.4% | 10.0% | | Rank-lost IS | **67.6%** | **88.9%** | The bonus theme wins on volume and CTR by a wide margin. The rate theme wins on CPA and brand safety (verified partner payouts). The alarming number on both is rank-lost impression share — 67.6% and 88.9% respectively — meaning ad copy quality/bids are insufficient to compete for the bulk of eligible auctions. Both themes need stronger creative signals to justify higher bids and regain position. --- ## 4. Messaging Alignment with High-Value Brand Deals Cross-referencing active ad themes against the deals/payouts document: | Partner | Fixed Payout | Landing Pages | Theme Match | Gap? | |---|---|---|---|---| | **SoFi** | **$475** | /savings, /savings-best, /checking | Partially featured | Should be #1 named brand in every ad | | **U.S. Bank** | **$350** (savings) | /savings, /savings-best, /savings-bonus | Present in campaign `top_brands` | Underutilized in copy | | **AmEx** | **$225** | **/savings-best only** | Not mentioned | **Gap: ads driving to /savings cannot convert AmEx** | | **CIT Bank** | **$200** | /savings, /savings-best | Mentioned in top brands | Adequate | | Ivy Bank | CSV only | /savings, /savings-bonus | Not in fixed payout | Low priority for copy | | Barclays | CSV only | /savings-best | Not in fixed payout | Low priority for copy | **SoFi ($475) is the highest-payout partner by a significant margin** and should appear by name in every ad group's headline rotation. The site shows SoFi offering 4.00% APY + up to a $400 sign-up bonus — this is a ready-made, factually grounded ad copy hook that aligns the user's bonus intent (Theme B) with the account's highest-revenue conversion event. **The AmEx gap is a structural revenue loss.** AmEx at $225 is only live on `/savings-best`. Ads running to `/savings` (the primary landing page for the two main savings campaigns) cannot trigger an AmEx conversion regardless of user interest. Either create an ad variation pointing high-intent users to `/savings-best`, or expand AmEx's page visibility to `/savings`. **U.S. Bank ($350 savings) is underused.** It is live on `/savings-bonus` — the earny campaigns' likely destination — yet there is no evidence U.S. Bank is featured in earny ad copy. A user clicking on an earny "bonus" ad would benefit from seeing "U.S. Bank up to $350 bonus" as a named option. --- ## 5. Underperforming Ads — Flagged ### P0: Ad 808777333897 — Pause Immediately - **Campaign:** AI MAX Desktop Exact | **Ad Group:** HY | **Strength:** AVERAGE - **Problem:** Zero conversions across five consecutive days confirmed, estimated $634+ in cumulative waste. First flagged Aug 22 — 18 days without action as of today. - **Impact:** Competing in the same ad group as the EXCELLENT ad (816515302719), splitting budget and potentially suppressing the better creative's delivery share. - **Action:** Pause this ad today. The AI MAX campaign is already under extreme rank-lost IS pressure (67.6%) — concentrating budget and signals on the EXCELLENT ad is the highest-leverage copy action in the account. ### P1: Marcus Competitor Ads — Rewrite - **Keywords:** marcus hysa (QS:2), marcus goldman sachs high yield savings (QS:1) - **Problem:** QS 1–2 with $16.47 CPC means near-maximum Cost-of-Click for near-minimum relevance. Ad copy is almost certainly a generic HYSA headline on a query where the user expects a Marcus-specific comparison. - **Action:** Write dedicated competitor ad variations (see Section 7 below). ### P1: Earny Creative Audit (Blind Spot) - **Campaigns:** earny P-Max and earny Search - **Problem:** No individual ad creative records pulled. P-Max auto-generates assets; Search campaign copy is unknown. With 133–160 conversions/day and unconfirmed payout, the creative driving that volume needs to be reviewed for accuracy and compliance. - **Action:** Pull asset report from P-Max campaign and full RSA asset details from earny search. Verify no bonus amounts or APY claims in earny assets conflict with live page rates. ### P2: tCPA Experiment & Amir Campaigns - Both ENABLED but zero serving. Any ads within them are wasted budget allocation ($1,550/day combined). - **Action:** Pause campaigns. If there is a reason to keep them ENABLED, document it. --- ## 6. Landing Page Issues Directly Degrading Ad Copy Performance Ad copy sets an expectation; the landing page either fulfills or breaks it. Three active P1 landing page issues undermine current copy: **APY Claim Discrepancy — Compliance and Quality Score risk** - Ads reportedly reference "Up to 5.70% APY" while the /savings page title says "Up to 4.10% APY" and live rates show SoFi at 3.80%. - The banking subdomain title says "4.85% APY" vs. actual 3.80%. - Google's ad policy and FTC guidelines prohibit misleading rate claims. A disapproval or manual review here would kill the AI MAX campaign. Every rate claim in ad copy must exactly match or be conservative relative to the live page value. **Use 4.00% APY (SoFi's documented rate on site) as the ceiling for any rate claim in headlines.** **9 Broken Images on /savings** - Trust imagery (AI mascot, CEO photos, social proof collages) fails to load. If ad copy mentions "50,000+ Savers" or "120+ Banks Reviewed," the page should visually validate that claim — broken images do the opposite. **Page Load: 4.3s Desktop / 3.6s Mobile (Google threshold: 3.0s)** - Slow load directly reduces Google's Landing Page Experience score, contributing to the already-low QS on key terms. Faster page = better QS = lower CPC = more impression share without raising bids. This is a force multiplier for every ad in the account. --- ## 7. New Ad Copy Tests & Recommended Variations ### Test 1: SoFi Bonus-First vs. Rate-First (HY Ad Group, AI MAX) Goal: Determine whether bonus or APY is the stronger conversion signal for desktop exact users. **Variant A — Rate-first (current winning theme, extend):** - H1: `Best High-Yield Savings — Sep 2026` - H2: `SoFi Earns 4.00% APY — See All Rates` - H3: `Compare 120+ Banks. 100% FDIC Insured` - D1: `Live rates from SoFi, CIT, U.S. Bank & more. $0 fees, $0 minimums. All picks FDIC insured.` - D2: `Updated daily. Helped 50,000+ savers unlock $18M+ in interest. See today's top rates.` **Variant B — Bonus-first:** - H1: `SoFi: 4.00% APY + Up to $400 Bonus` - H2: `Compare Bank Bonuses for Sep 2026` - H3: `CIT, U.S. Bank, SoFi — Side-by-Side` - D1: `SoFi pays up to $400 to switch. See how CIT and U.S. Bank stack up — live rates and bonuses compared.` - D2: `$0 fees, $0 minimum. All picks FDIC insured. 120+ banks reviewed. Find the best bonus for you.` ### Test 2: Dedicated Marcus Competitor Ad (AI MAX, new ad group or existing HY) The +74% WoW surge in Marcus brand queries is a real-time opportunity window. A dedicated Marcus comparison ad with a tailored headline will resolve the QS:1–2 collapse and reduce CPC significantly. - H1: `Comparing Marcus by Goldman Sachs?` - H2: `SoFi Offers 4.00% APY + $400 Bonus` - H3: `See How Marcus Stacks Up — Free` - D1: `Marcus earns 3.7%. SoFi offers 4.00% APY plus up to a $400 sign-up bonus. See the full comparison at PickYourBank.` - D2: `Compare Marcus to 120+ banks in 60 seconds. FDIC insured. No fees, no minimums.` **Key mechanic:** H1 must contain "Marcus" or "Goldman Sachs" to signal ad relevance and lift QS from 1–2 toward 6–8, potentially cutting CPC by 50–70%. ### Test 3: U.S. Bank Feature Ad (Bonus | Broad, SP Direct — targeting /savings-bonus) U.S. Bank at $350 is live on `/savings-bonus` and is a strong co-anchor with SoFi for bonus-intent traffic. - H1: `U.S. Bank: $350 Sign-Up Bonus` - H2: `SoFi: $400 Bonus + 4.00% APY` - H3: `Compare Bank Bonuses — Get Paid to Switch` - D1: `U.S. Bank Smartly® Savings and SoFi top our Sep 2026 bonus rankings. $0 fees, FDIC insured.` - D2: `See which bank pays you the most to open today. Compare live bonuses from top-rated banks.` ### Test 4: Social Proof + Freshness Headline Rotation Add to all RSA pools as additional headline assets: - `Rated by 50,000+ Savers — Sep 2026` - `$18M+ in Interest Unlocked — Compare Now` - `120+ Banks Reviewed. 0 Hidden Fees.` - `Rates Updated Daily — See Today's Best` ### Test 5: FDIC Trust Anchor (Desktop Exact) Desktop users converting at $157–$417 CPA are high-consideration buyers. Trust signals may close the gap between click and conversion. - H3 rotation: `100% FDIC Insured — All Picks` - Description addition: `Every bank on our list is FDIC insured up to $250,000. Compare with confidence.` ### Test 6: /savings-best Landing Page Ad Variation (AmEx unlock) To monetize the $225 AmEx payout currently inaccessible from `/savings` traffic, create an ad variant pointing to `/savings-best`: - H1: `Best High-Yield Savings Accounts 2026` - H2: `SoFi · AmEx · CIT — Top Picks Only` - H3: `Expert-Curated. FDIC Insured.` - D1: `Our editors' top picks: SoFi (4.00% APY + bonus), American Express HYSA, CIT Platinum. Compared side-by-side.` - URL path: `/savings-best` This is the only route to AmEx conversions from paid search given current page configuration. --- ## 8. Summary Priority Matrix | Priority | Action | Revenue Impact | Effort | |---|---|---|---| | **P0** | Pause ad 808777333897 (0% CVR, $634 waste) | Stops bleed today | 2 min | | **P0** | Fix APY claims — align ad copy to 4.00% max | Compliance/disapproval risk | 1 hour | | **P1** | Write Marcus competitor ad with "Marcus" in H1 | Reduces CPC 50–70% on +74% volume surge | 30 min | | **P1** | Audit earny P-Max asset report for claim accuracy | Protects dominant conversion source | 1 hour | | **P1** | Create /savings-best ad variation to unlock AmEx $225 | New revenue stream, no budget increase | 1 hour | | **P2** | Add SoFi bonus-first variant to HY ad group (Test 1) | CPA improvement on primary conversion campaign | 2 hours | | **P2** | Add U.S. Bank $350 to Bonus \| Broad ad copy | Aligns highest-value messaging with earny destination | 1 hour | | **P2** | Fix broken images + page speed on /savings | Improves QS account-wide → lower CPA on all campaigns | Engineering | | **P3** | Social proof + freshness headline rotation | Marginal CTR lift | 30 min | | **P3** | Pause tCPA experiment + Amir campaigns | Frees $1,550/day budget allocation | 5 min | --- **Bottom line:** The EXCELLENT ad (816515302719) in the HY ad group is the only fully validated creative in the account and should be studied closely — its asset mix should be the template for new variations. The single highest-leverage copy action is pausing its AVERAGE companion in the same ad group, followed immediately by a Marcus-specific competitor ad to capture the +74% brand query surge at a fraction of the current $16.47 CPC. Every rate claim in every ad must be reconciled to the 4.00% SoFi APY ceiling before any new ads go live.

The review is complete. Here's the executive summary of what the live data shows: --- ## Executive Summary — Sep 9, 2026 (Partial Day) **The account is generating 140 conversions at $42.89 CPA on $6,004 spend — but the headline masks a deeply split picture.** **Savings campaigns are losing money on every conversion.** The 4 savings/HYSA campaigns (AI MAX, SP Mobile Broad, SP Mobile Bonus, SP Desktop Bonus) have spent $5,617 today for just 7 conversions at an average CPA of $802 — exceeding every payout in the deals document, including SoFi's $475 top rate. Estimated net loss on savings campaigns today: **–$3,429**. **Earny campaigns are volume-efficient but revenue-unknown.** The earny P-Max and Search campaigns produced 133 of the 140 day's conversions at $2.91 CPA — but the earny payout has still not been confirmed after 9 days of running. At 133 conversions/day, this is the most important single unknown in the account. **Three critical issues remain unresolved for 11–16 days:** - The `marcus goldman sachs hysa` keyword is still live in AI MAX with no payout and spent $176 today alone - No marcus/goldman negatives have been added to AI MAX - The Experiment campaign is still ENABLED despite 32+ days of zero impressions **The Sep 8 Monday spike to $11,154** (4–6× prior week daily average) is a new anomaly — driven by the Bonus campaigns and AI MAX running at full weekday volume simultaneously. This needs investigation before it repeats today.

Now I have all the data I need. Let me compile the full report. --- # Quality Score & Auction Insights Report **Account:** Z2A // Saving account (CID: 9523324548) | **pickyourbank.com** | **Date:** September 8, 2026 --- ## Active Campaigns in Scope | Campaign | Daily Budget | Strategy | Status Note | |---|---|---|---| | Savings \| SP \| Direct \| New Site \| Mobile \| Broad | $2,500 | Maximize Conversions | Primary volume driver | | savings \| direct \| Search \| Desktop \| Exact \| AI MAX | $1,800 | Maximize Conversions | 67.6% rank-lost IS | | earny \| direct \| p-max \| mobile \| bonus | $250 | Performance Max | New Sep 2026 | | earny \| direct \| search \| mobile \| bonus | $200 | Maximize Conversions | New Sep 2026 | > **Excluded from QS analysis (ENABLED but zero-impression):** `B | Savings | Leads | Search | Desktop | tCPA | General | Broad | Experiment` (32+ days dormant) and `Amir | search | mobile | bc | DE` (zero impressions, unknown purpose). These contribute no QS signal and should be paused. --- ## Part 1: Quality Score Analysis ### Full Keyword QS Inventory (Active Keywords) | Keyword | QS | Expected CTR | Ad Relevance | LP Experience | Imp. Share | Rank-Lost IS | |---|---|---|---|---|---|---| | best savings interest rates | **10** | Above Avg | Above Avg | Above Avg | — | — | | best online banking | **8** | Above Avg | Above Avg | Above Avg | — | — | | best savings accounts | **8** | Above Avg | Above Avg | Average | — | — | | high interest checking accounts | **8** | Above Avg | Above Avg | Above Avg | — | — | | best hysa | **7** | Average | Above Avg | Average | 13.6% | 67.3% | | best savings account | **7** | Average | Above Avg | Average | — | — | | chase high yield savings | **7** | Average | Average | Average | — | — | | chase hysa | **7** | Average | Average | Average | — | — | | highest yielding savings account | **7** | Average | Above Avg | Above Avg | 10.1% | 70.8% | | savings account with high interest | **7** | Average | Above Avg | Above Avg | — | — | | vanguard high yield savings | **7** | Average | Average | Average | — | — | | savings account bonus | **5** | Below Avg | Average | Average | — | — | | ally bank high yield savings | **3** | Below Avg | Below Avg | Below Avg | 33.3% | 45.5% | | bank of america high yield savings | **3** | Below Avg | Below Avg | Below Avg | — | — | | discover high yield savings | **3** | Below Avg | Below Avg | Below Avg | 36.0% | 48.2% | | marcus hysa | **2** | Below Avg | Below Avg | Below Avg | 42.2% | 12.0% | | marcus goldman sachs high yield savings | **1** | Below Avg | Below Avg | Below Avg | 44.0% | 36.3% | | free money for opening bank account | **N/A** | — | — | — | ~10% | ~90% | | bank account bonus | **N/A** | — | — | — | ~10% | ~89% | | open bank account get cash bonus | **N/A** | — | — | — | ~10% | ~89% | --- ### Keyword Clusters & Root Cause Diagnosis #### Cluster 1 — Generic Savings (QS 7–10) ✅ Healthy **Keywords:** best savings interest rates, best online banking, best savings accounts, high interest checking accounts, savings account with high interest, highest yielding savings account These are the account's strongest keywords. However, two of the highest-spend keywords in this cluster — `best hysa` (QS 7, IS 13.6%) and `highest yielding savings account` (QS 7, IS 10.1%) — have alarming rank-lost IS despite solid scores. **Diagnosis:** QS is not the constraint here. Rank-lost IS of 67–71% is driven by bid inadequacy against surging competitor bids on these high-value terms, not by QS deficiency. The QS 7 provides a reasonable Ad Rank multiplier but bids have not kept pace with the auction's competitive escalation. --- #### Cluster 2 — Competitor Brand Keywords (QS 3) — Root Cause: LP Relevance + Ad Relevance **Keywords:** ally bank high yield savings, discover high yield savings, bank of america high yield savings All three score QS 3, with every sub-component (expected CTR, ad relevance, landing page experience) rated Below Average. The root cause is structural: - **Ad relevance is Below Average** because the ad copy served to these keywords (which targets users researching a specific bank) is generic savings-focused copy, not brand-comparative messaging. - **Landing page experience is Below Average** because all active campaigns point to `pickyourbank.com/savings`, whose H1 is "Best High-Yield Savings Accounts for 2026" with no content directly addressing Ally, Discover, or Bank of America by name in a way Google's crawler interprets as relevant to the search. - **Expected CTR is Below Average** because searchers looking for "Ally high yield savings" are at a specific-bank research stage. A generic ad headline doesn't match their intent signal, depressing click probability. - The landing page also carries **9 broken images** and a **4.27s desktop / 3.57s mobile load time** (Google's threshold: 3s), which independently drags LP experience scores. --- #### Cluster 3 — Marcus Brand Keywords (QS 1–2) — Critical, Compounded Root Cause **Keywords:** marcus goldman sachs high yield savings (QS 1), marcus hysa (QS 2) These are the lowest QS keywords in the account and represent the most acute QS problem, particularly given Marcus search volume is up **+74% WoW** — a major uncaptured opportunity. - **Ad relevance is Below Average.** The ads being served to these queries almost certainly don't feature "Marcus by Goldman Sachs" or competitive positioning against Marcus prominently in headlines, making them irrelevant to a user specifically investigating Marcus. - **Landing page experience is explicitly flagged as Below Average** (confirmed in `quality_score_summary: below_average_lp`). The /savings page has no Marcus-specific content, no rate comparison vs. Marcus, and no messaging tailored to why a Marcus-considering user should visit pickyourbank.com. - **Expected CTR is Below Average.** A user typing "marcus hysa" and seeing a generic savings ad has no reason to click; CTR will reflect this. - Additionally, the APY claim discrepancy (ads claim "Up To 5.70% APY"; page shows 4.10% max) is a direct signal to Google's systems that the ad experience is misleading, materially harming LP experience scoring. Despite QS 1–2, these keywords actually show moderately functional IS (44% and 42.2%) with rank-lost IS of 36.3% and 12%. This means bids are partially compensating for the QS handicap, but at enormous cost-per-click waste and well below what they could achieve with QS 6–8. --- #### Cluster 4 — Bonus Intent Keywords (QS N/A) — Root Cause: Intent-LP Mismatch **Keywords:** free money for opening bank account ($43K spend), bank account bonus ($24K spend), open bank account get cash bonus ($13K spend) These three keywords collectively represent ~$80K in spend with **no Quality Score data**, **~10% IS**, and **~89–90% rank-lost IS** — the worst IS profile in the account. - **No QS score** assigned likely indicates the keywords are new or that match type breadth (BROAD) is diffusing signal across too many query variants for a stable score to form. - **Landing page mismatch** is flagged explicitly (`bonus_intent_mismatch`) in the /savings page audit. The page headline is "Best High-Yield Savings Accounts" with content about APY rates — but users searching "free money for opening bank account" are looking for cash bonus offers. The page does list some bonus offers (SoFi $50/$400, U.S. Bank $350 CIT $200) but they're not prominently featured above the fold in a way that matches the high urgency of these queries. - The 89–90% rank-lost IS means these keywords almost never win auction placement. Combined with no QS signal to validate them, these keywords are effectively burning budget in a cycle where low CTR → no QS improvement → continued poor Ad Rank. --- ## Part 2: Auction Insights & Competitive Positioning ### Impression Share Summary (Active Keywords with Data) | Keyword | IS | Budget-Lost IS | Rank-Lost IS | Primary Constraint | |---|---|---|---|---| | marcus goldman sachs high yield savings | 44.0% | — | 36.3% | QS + Bid | | marcus high yield savings | 42.2% | — | 12.0% | QS | | discover high yield savings | 36.0% | — | 48.2% | QS + Bid | | ally high yield savings | 33.3% | — | 45.5% | QS + Bid | | best hysa | 13.6% | — | 67.3% | Bid | | highest yielding savings account | 10.1% | — | 70.8% | Bid | | open bank account get cash bonus | ~10% | — | ~89.4% | QS + Bid | | free money for opening bank account | ~10% | — | ~90.0% | QS + Bid | ### Campaign-Level IS (Current Week: Aug 18–24, 2026) | Campaign | IS | Abs. Top IS | Budget-Lost IS | Rank-Lost IS | WoW Change (Rank-Lost) | |---|---|---|---|---|---| | Desktop Exact AI MAX | 13.4% | 10.0% | 18.9% | **67.6%** | +19.5pp ▲ CRITICAL | | Mobile SP Broad | 10.0% | 10.0% | 7.5% | **88.9%** | — | ### Competitive Environment **Confirmed competitor domains competing in auction:** - **Direct banks:** marcus.com, ally.com, chase.com, capitalone.com, discover.com - **Comparison sites:** nerdwallet.com, bankrate.com, lendingtree.com **Critical alert — Active:** The Desktop Exact AI MAX campaign saw rank-lost IS surge from 48.1% to 67.6% (+19.5pp WoW). This is an aggressive competitor bid surge, most likely nerdwallet.com and/or bankrate.com escalating on high-value exact-match savings keywords, plus the banks themselves (Marcus, Ally, Discover) defending their brand terms. pickyourbank.com is competing with a QS disadvantage on brand terms and a bid disadvantage on generics — a compounding problem. **Emerging competitors to watch:** vio bank and bask bank are appearing in search terms data (264 and 342 impressions respectively) — indicating user-driven discovery of new HYSA brands that pickyourbank.com is not yet targeting. **Marcus opportunity window:** +74% WoW Marcus query volume with IS of only 42–44% and QS 1–2 means there is significant uncaptured demand from comparison-shopping users. Every point of QS improvement here translates directly to more auctions won without bidding higher. --- ## Part 3: Prioritized Recommendations ### P0 — Fix Immediately (QS & IS Bleeding) **1. Correct the APY Claim Discrepancy in All Active Ads** - Ads claiming "Up To 5.70% APY" when the landing page shows 4.10% max triggers Google's misleading ad policy, directly penalizing landing page experience scores across the entire account. Update all active ad copy to reflect the actual best available rate (currently SoFi at 4.00% per the website). This is also a policy violation risk. **2. Fix 9 Broken Images on pickyourbank.com/savings (CDN Issue)** - This landing page serves all active savings campaigns. Broken images signal a degraded user experience to both users and Google's LP crawlers. The CDN deployment pipeline for `/assets/` paths needs immediate repair. This is 14 days overdue and is suppressing LP experience scores on every keyword pointing to /savings. **3. Resolve Page Load Speed: Desktop 4.27s → Under 3s** - Current: 4.27s desktop / 3.57s mobile. Google's quality threshold is 3s. This alone can push LP experience from Average to Above Average across the entire keyword set. - Immediate actions: lazy-load below-fold images, audit and defer GTM/Facebook Pixel/affiliate tracking scripts, reduce mobile resource count (70 vs 58 on desktop). --- ### P1 — Within This Week (QS Score Recovery) **4. Build a Marcus-Specific Ad Group and Landing Page** - Create a dedicated ad group for `marcus hysa`, `marcus goldman sachs high yield savings`, `marcus high yield savings` with ad headlines explicitly naming Marcus and positioning pickyourbank.com as a rate-comparison resource (e.g., "Compare Marcus HYSA Rates," "Marcus vs. SoFi: Which Pays More?"). - Build a landing page at `/vs-marcus` or `/marcus-high-yield-savings` that features Marcus's current rate, compares it to alternatives listed on pickyourbank.com, and has a clear CTA. This will move QS from 1–2 toward 6–8, recovering IS from the 42–44% range toward 60–70%+ at the same bid. - Given the +74% WoW surge in Marcus query volume, this is also the single highest-revenue opportunity in the account right now. **5. Build Competitor Brand-Specific Landing Pages for Ally and Discover** - Keywords: `ally bank high yield savings`, `discover high yield savings` - Current QS 3 with 33–36% IS and 45–48% rank-lost IS. Same pattern as Marcus but less acute. - Create `/vs-ally` and `/vs-discover` pages (or at minimum ad group-specific landing page variants) with brand-comparative headlines. Pair with ad copy that speaks directly to users researching those brands. - Expected QS lift: from 3 to 6–7, which would lower effective CPC by ~30–40% at the same Ad Rank. **6. Create a Dedicated Bonus Landing Page for the Bonus Keyword Cluster** - Keywords: `free money for opening bank account`, `bank account bonus`, `open bank account get cash bonus` - These keywords carry the worst IS in the account (~10%, rank-lost IS ~90%) and $80K+ in spend. - The existing /savings page has an explicit `bonus_intent_mismatch` flag. Build a page (e.g., `/bank-bonuses`) where the H1 matches bonus intent, the above-fold content leads with cash bonus offers (U.S. Bank $350, SoFi $400, CIT $200), and the CTA is "Claim Your Bonus." - This will unblock QS score assignment (currently N/A) and improve LP experience, which is likely the primary bottleneck for these keywords given their broad match nature. --- ### P2 — Within Two Weeks (Competitive Positioning) **7. Raise tCPA Bid on Desktop Exact AI MAX by 25%** - Rank-lost IS at 67.6% is the primary IS constraint for the AI MAX campaign. A 25% tCPA increase directly raises the effective bid in the auction, recovering IS on `best hysa` (IS 13.6%) and `highest yielding savings account` (IS 10.1%) — both QS 7 keywords where QS is not the problem. - Also directly addresses the +19.5pp rank-lost IS surge from the competitor bid escalation. **8. Add vio bank and bask bank to Keyword Targeting** - Both brands are appearing in search queries (264 and 342 impressions) with near-zero clicks. Add `vio bank high yield savings` and `bask bank savings` as exact-match keywords in AI MAX. - These emerging brands will grow in search volume and can be captured cheaply now before competitor bids escalate on them. **9. Build a Marcus Brand Search Campaign** - The +74% WoW surge in Marcus search volume represents a discrete opportunity that the existing AI MAX campaign cannot fully exploit at QS 1. A dedicated Marcus brand query campaign (separate from the main savings campaigns) with brand-comparative landing pages would allow independent bid control and faster QS accumulation. - Add as exact-match negatives in AI MAX to prevent the campaigns from competing against each other. **10. Improve savings_account_bonus from QS 5 → 7+** - This keyword has average LP experience and below-average expected CTR. Once the bonus landing page is built (Recommendation 6), redirect this keyword's traffic there and refresh ad copy with explicit bonus messaging. Expected QS lift of 2–3 points. --- ## Summary: QS Improvement Impact Model | Action | Keywords Affected | Expected QS Lift | IS Benefit | |---|---|---|---| | Fix APY claim discrepancy | All active keywords | LP experience: Avg → Above Avg | Broad account-wide | | Fix broken images + page speed | All /savings keywords | LP experience: Avg → Above Avg | Broad account-wide | | Marcus dedicated ad group + LP | marcus hysa, marcus GS HYSA | QS 1–2 → 6–8 | IS: 42% → ~60–70% | | Ally/Discover dedicated LPs | ally, discover keywords | QS 3 → 6–7 | IS: 33–36% → ~55% | | Bonus landing page | bonus cluster (3 keywords) | QS N/A → 5–6 | IS: 10% → 25–30% | | Raise AI MAX tCPA +25% | best hysa, highest yielding SA | No QS change | IS: 10–14% → 20–28% | **The single highest-leverage action in this account is the Marcus ad group + landing page build.** It combines the largest uncaptured search volume (+74% WoW surge), the worst current QS (1–2), and an explicitly quantified IS gap on keywords that already have sufficient bid competitiveness (rank-lost IS of only 12–36%, meaning QS is the primary drag, not budget). Fixing this alone could recover 15–25+ additional IS points on Marcus queries while cutting effective CPC by 40–50% over time as QS normalizes.

I now have all the data I need. Let me compile the full review. --- # Daily Campaign Performance Review — pickyourbank.com **Date: September 8, 2026 (Monday) | Account: Z2A // Saving account (#9523324548) | Data through: Sep 7 intraday (~7AM UTC)** --- ## Executive Summary Account conversion volume has surged dramatically since the budget throttle lifted on September 1 — but **98% of all reported conversions now come from two earny campaigns whose payout per conversion remains unconfirmed**, making true account profitability unknowable. The core savings campaigns (SP Direct Broad and AI MAX) — the only campaigns tied to confirmed deals — are generating just 2 conversions on a day when the account reports 110, while spending $623 against a savings-campaign budget ceiling of $4,300/day that is barely being touched. The earny P-Max CPA of $2.29 looks extraordinary. It may be. It may also be converting zero-value actions. This is the single most important unresolved question in the account. | Metric | Sep 7 (intraday) | Sep 6 | Sep 5 | WoW vs Aug 18-22 avg | |--------|-----------------|-------|-------|----------------------| | Spend | $975.75 | $1,263 | $1,650 | -85% | | Clicks | 991 | 959 | 851 | -35% | | Conversions | 110 | 100 | 66 | +273% | | CPA | $8.87 | $12.64 | $25.00 | -96% | The CPA drop is entirely earny-driven. Savings-campaign spend is down 85% from August highs — partly throttle recovery, partly severe IS collapse. --- ## Active Campaign Breakdown (ENABLED Only) ### 1. earny | direct | p-max | mobile | bonus — $250/day budget **Performance Max | New as of Sep 2026** - Sep 7: ~108 conversions, CPA ~$2.29 - Sep 6: 89 conversions, CPA $1.77 - Dominant conversion driver — absorbing essentially all reported account volume **Revenue context:** Payout per earny conversion is **unconfirmed**. Until this is resolved, the $2.29 CPA is a phantom metric. If earny pays $5/conv, the campaign earns $540 on ~$247 spend — fine. If it pays $0 or is tracking a micro-conversion (email opt-in, page visit), this is catastrophic misdirection of optimization signal across the entire account. --- ### 2. earny | direct | search | mobile | bonus — $200/day budget **Maximize Conversions | New as of Sep 2026** - Historical range: 8–11 conversions/day, CPA $15–19 - Supplementary to P-Max; same unconfirmed-payout risk --- ### 3. Savings | SP | Direct | New Site | Mobile | Broad — $2,500/day budget **Maximize Conversions | Top brands: SoFi $475, CIT $200, US Bank $350** - Sep 7: Only ~6.4% of $2,500 daily budget utilized (~$160 est.) - Weekly CPA (Aug 18-24): $209.05 - Search rank-lost IS: **88.9%** — losing nearly 9 in 10 auctions to bid rank, not budget - CTR: 20.9% (strong creative relevance) **Revenue margin by brand at $209 CPA:** | Brand | Payout | Margin | |-------|--------|--------| | SoFi | $475 | **+$266** | | US Bank (savings) | $350 | **+$141** | | AmEx (savings, best only) | $225 | **+$16** | | CIT Bank | $200 | -$9 | | US Bank (checking) | $120 | -$89 | This campaign is revenue-positive for top brands but severely under-delivering. Its September spend collapse from $5–8k/day in August to <$200/day Sep 7 is an unresolved anomaly requiring urgent investigation — the budget is not the constraint. --- ### 4. savings | direct | Search | Desktop | Exact | AI MAX — $1,800/day budget **Maximize Conversions | Budget raised from $1,100 → $1,800 in September** - Sep 7: ~2 total savings-campaign conversions ($623 combined spend) - Weekly CPA (Aug 18-24): $417.55 - Search IS: 13.4% | Rank-lost IS: **67.6%** | Budget-lost IS: 18.9% - Abs. top IS: 9.99% **Revenue margin by brand at $418 CPA:** | Brand | Payout | Margin | |-------|--------|--------| | SoFi | $475 | **+$57** | | US Bank (savings) | $350 | -$68 | | AmEx (savings) | $225 | -$193 | | CIT Bank | $200 | -$218 | | US Bank (checking) | $120 | -$298 | Only profitable against SoFi, and barely. The budget increase to $1,800 has not recovered IS because rank is the constraint, not budget. A 25% tCPA bid increase has been P0 for 16+ days. Every day this remains unactioned, competitor CPC escalation compounds the gap. --- ### 5. B | Savings | Leads | Search | Desktop | tCPA | General | Broad | Experiment — $1,400/day budget **Status: ENABLED but DORMANT — 32+ consecutive days of zero impressions, zero spend** This campaign is not delivering any performance. It holds $1,400/day of budget that cannot be reallocated while it exists in an enabled state. The P0 action to pause it is **16+ days overdue**. It should be excluded from any performance analysis going forward — but it is consuming attention and budget capacity. --- ### 6. Amir | search | mobile | bc | DE — $150/day budget **Status: Zero impressions, zero spend. Purpose undocumented.** No performance to report. P2 review of campaign purpose remains pending. --- ## Impression Share Deep-Dive | Keyword | Match | IS | Rank-Lost IS | QS | |---------|-------|-----|-------------|-----| | marcus goldman sachs high yield savings | Exact | 44.0% | 36.3% | **1** | | marcus high yield savings | Exact | 42.2% | 12.0% | 2 | | discover high yield savings | Exact | 36.0% | 48.2% | **3** | | ally high yield savings | Exact | 33.3% | 45.5% | **3** | | best hysa | Exact | 13.6% | 67.3% | 7 | | highest yielding savings account | Exact | 10.1% | 70.8% | 7 | | open bank account get cash bonus | Broad | 10.0% | 89.4% | — | | free money for opening bank account | Broad | 10.0% | 90.0% | — | **Key insight:** The high-QS generic keywords (best hysa, highest yielding savings account) are losing 67–71% of impressions to rank — these should be profitable if bid-competitive and are not getting traffic. The competitor brand keywords (marcus, ally, discover) have abysmal quality scores (QS 1–3), meaning every auction is fought at a structural disadvantage. --- ## Top Search Terms (Week of Sep 1–7) | Search Term | Impr | Clicks | Cost | Verdict | |------------|------|--------|------|---------| | "banks that pay you to open an account with no deposit" | 2,965 | 548 | $2,181 | Earny intent — high volume driver | | "instant cash for opening bank account" | 1,922 | 514 | $2,230 | Earny intent — 26.7% CTR | | "marcus by goldman sachs" | 1,060 | 40 | $469 | No dedicated campaign; QS 1 waste | | "start a bank account online with no deposit $1000 on opening" | 922 | 348 | $1,857 | Earny intent | | "ally bank" | 989 | 20 | $180 | 2.0% CTR — brand mismatch | | "capital one high yield savings account" | 505 | 23 | $67 | Competitor brand, no neg KW | | "marcus hysa" | 302 | 19 | $314 | $16.52 CPC, QS 2 — expensive noise | | "vio bank" | 342 | 1 | $2 | 0.3% CTR — zero traction | | "bask bank" | 264 | 3 | $22 | Emerging brand, no dedicated capture | Marcus-related terms account for ~$780/week in spend across queries with no dedicated campaign and QS 1–2 scores. The +74% WoW surge in marcus brand search volume makes this the clearest missed opportunity in the account. --- ## Revenue-to-Spend Contextualization **Confirmed deals (from payouts document):** - SoFi: $475 | US Bank savings: $350 | AmEx savings (best only): $225 | CIT Bank: $200 | US Bank checking: $120 **September 1–7 savings campaign conversions (estimated ~100 total from SP+AI MAX combined):** - At blended $209–418 CPA, only SoFi conversions are clearly profitable across both campaigns - US Bank savings ($350) is profitable in SP Broad only - CIT Bank ($200) is marginally or negatively profitable across both campaigns **Earny conversions (Sep 1–7, ~500+ total):** Payout unknown — cannot calculate revenue contribution. **Week-to-date September spend estimate:** ~$12,500 (Sep 1–7) **Confirmed revenue (savings convs only at blended ~$300 payout avg):** ~$30,000 (rough) **True profitability:** Indeterminate until earny payout is confirmed --- ## Anomalies & Significant Changes 1. **SP Direct budget utilization collapse:** Dropped from $5,000–8,000/day in August to ~$160/day on Sep 7. This is not a budget cap issue (cap is $2,500). Root cause unknown — possible algo recalibration post-throttle, bid floor change, or audience signal reset. Requires immediate investigation. 2. **AI MAX budget increase not recovering IS:** Raising the budget from $1,100 → $1,800 has not moved the 67.6% rank-lost IS. The lever needed is tCPA bid, not budget. 3. **Earny P-Max CPA trending down:** $32.89 → $17.12 → $12.64 → $8.87 over Sep 1–7. Either the algorithm is optimizing efficiently, or it is converging on lower-value actions. The trend alone cannot distinguish between these. 4. **Sunday performance (Sep 7):** The intraday data cuts at ~7AM UTC, so Sep 7 numbers will be meaningfully higher by end of day. Monitor for full-day figures. 5. **Budget throttle fully resolved:** Monthly overspend ($24.9k SP Direct, $8.7k AI MAX) cleared as of Sep 1. September spend is tracking well within cap. --- ## Landing Page Issues (Unresolved — Active CRO/QS Drag) | Issue | Impact | Days Outstanding | |-------|--------|-----------------| | 9 broken images on /savings (CDN) | QS suppression, trust loss above-fold | 14+ days | | Page load 4.3s desktop / 3.6s mobile | Below Google's 3s threshold — QS penalty | 14+ days | | APY claim mismatch (ads: "5.70%" / page: 4.10% max) | Policy risk, misled clicks, lower CVR | Ongoing | The broken trust logos above fold on the banking subdomain are particularly damaging for affiliate CVR — users comparing bank offers are acutely sensitive to trust signals. --- ## Priority Action List — Today (September 8) ### P0 — Do Today | # | Action | Rationale | |---|--------|-----------| | 1 | **Confirm earny payout per conversion** | 98% of account conversions — profitability is unknown. Call/email affiliate manager now. | | 2 | **Pause ad 808777333897** | 16+ days overdue. $800+ in estimated waste to date. | | 3 | **Pause Experiment campaign (Budget ID: 14151937593)** | 32+ days dormant. 16+ days overdue. Frees $1,400/day budget headroom. | | 4 | **Raise AI MAX tCPA bid by 25%** | Rank-lost IS at 67.6%. Budget is not the bottleneck — bid rank is. This should have been done Sep 1. | | 5 | **Investigate SP Direct budget underutilization** | Was $5–8k/day in Aug, now $160/day. Find the constraint before the next planning cycle. | ### P1 — This Week | # | Action | Rationale | |---|--------|-----------| | 6 | **Build Marcus brand query campaign** | +74% WoW search volume, $780/week spent with QS 1–2 and no dedicated capture mechanism. Clear ROI opportunity. | | 7 | **Add negative keywords to AI MAX** | marcus, goldman sachs, nerdwallet, jpmorgan chase, "how to set up" — confirmed active waste, $66+, 0 conversions | | 8 | **Pause ally bank high yield savings BROAD keyword** | QS 3, rank-lost IS 45.5%, 11 days overdue | | 9 | **Fix 9 broken images on /savings** | CDN issue active 14+ days; directly suppressing QS and CVR | | 10 | **Raise bids on bonus/free-money BROAD keyword cluster by 40%** | IS at 9.99% with 89–90% rank-lost IS — these are the earny funnel's core triggers | ### P2 — Opportunity Pipeline - Add vio bank and bask bank to AI MAX keyword list (emerging brand queries, currently near-zero CTR) - Affiliate CVR attribution audit for earny campaigns (validate conversion event definition) - Review and document Amir | search | mobile | bc | DE campaign purpose or pause --- **Bottom line:** The account's headline numbers look strong but rest on an unverified foundation. Get the earny payout confirmed today — everything else in this review is secondary to that call.

Now I have everything needed for a complete analysis. Let me compile the full report. --- # Budget & Bid Optimization Recommendations **pickyourbank.com | Google Ads | As of Sep 7, 2026** --- ## Executive Summary The account is at a critical inflection point. Three structural problems are destroying budget efficiency: 1. **$1,550/day allocated to zero-spend campaigns** — a dormant Experiment campaign ($1,400) and an undocumented Amir campaign ($150) have not served a single impression in 32+ days. 2. **AI MAX is significantly underbidding** — losing 67.6% of possible impressions to rank while running a $417 avg CPA that is profitable only against the SoFi ($475) payout; CIT ($200) and US Bank Checking ($120) conversions are generating negative ROI at that CPA. 3. **Earny campaigns now drive 98% of daily conversions** (108 of 110 on Sep 7) at a $2.29 CPA — but payout per earny conversion is unconfirmed, making overall account profitability effectively unknown. --- ## Section 1 — Active Campaign Inventory & Budget Audit *Only ENABLED/ACTIVE campaigns included per task scope.* | Campaign | Daily Budget | Avg CPA (recent) | Status | Issue | |---|---|---|---|---| | Savings \| SP \| Direct \| New Site \| Mobile \| Broad | $2,500 | $209 (Aug wk) | ENABLED | 89% rank-lost IS; Sep 7 spending only ~6% of budget | | savings \| direct \| Search \| Desktop \| Exact \| AI MAX | $1,800 | $417 (Aug wk) | ENABLED | 67.6% rank-lost IS; CPA exceeds most brand payouts | | B \| Savings \| Leads \| Search \| Desktop \| tCPA \| Experiment | $1,400 | n/a | ENABLED | **DORMANT — 0 impressions, 0 spend for 32+ days** | | earny \| direct \| p-max \| mobile \| bonus | $250 | $2.29 | ENABLED | Budget-capped; payout unconfirmed | | earny \| direct \| search \| mobile \| bonus | $200 | $15–$19 | ENABLED | Payout unconfirmed | | Amir \| search \| mobile \| bc \| DE | $150 | n/a | ENABLED | **0 impressions, 0 spend; no documented purpose** | **Total daily budget across active campaigns: $6,300/day** **Verifiable productive spend (Sep 2–6 avg): ~$2,100/day** **Budget utilization gap: ~$4,200/day (67% wasted or idle)** --- ## Section 2 — Payout Alignment & CPA Profitability Thresholds Using confirmed payouts from the deals/payouts document: | Brand | Payout | Max Profitable CPA (20% margin) | Max CPA (breakeven) | |---|---|---|---| | SoFi | $475 | $380 | $475 | | U.S. Bank Savings | $350 | $280 | $350 | | AmEx Savings (best only) | $225 | $180 | $225 | | CIT Bank | $200 | $160 | $200 | | U.S. Bank Checking | $120 | $96 | $120 | ### Profitability Verdict by Campaign **AI MAX Desktop — CPA $417:** - Profitable only against SoFi ($475) — and only barely, at a 12% margin - A single CIT Bank conversion at $417 CPA loses **$217** - A US Bank Checking conversion at $417 CPA loses **$297** - Without brand-level conversion attribution, this campaign may be losing money on a significant portion of its volume - **Action required:** Reduce wasteful spend (Marcus, NerdWallet negative keywords) before raising bids to drop CPA **SP Direct Mobile Broad — CPA $209 (Aug week):** - Profitable against SoFi ($475), US Bank Savings ($350), and AmEx ($225) - Marginally profitable/breakeven against CIT ($200) — exact margin depends on mix - Loss on US Bank Checking ($120) at this CPA - **Assessment:** This campaign is the account's primary revenue engine and its CPA sits within the profitable range for the top 3 payouts. The key risk is CIT and checking conversion dilution. **Earny Campaigns — CPA $2.29–$19:** - Earny payout is **unconfirmed** — this is the single biggest financial risk in the account - If earny is a standard cost-per-lead or app-install affiliate at $3–$5, the account is barely breaking even on earny volume despite the impressive conversion count - If earny pays $25–$50 per conversion (e.g., funded bank account), the earny P-Max is the most valuable campaign in the account by far - **The 108 earny conversions on Sep 7 represent ~98% of reported conversions — if these have minimal or no revenue value, the account's apparent efficiency improvement in September is entirely illusory** --- ## Section 3 — Campaigns Limited by Budget vs. Bid ### Budget-Limited (supply available, money is the constraint) | Campaign | Signal | Evidence | |---|---|---| | earny \| p-max \| mobile | Spending entire $250/day budget by early morning | 89–108 conv/day at $2.29 CPA; hitting cap daily | | earny \| search \| mobile | Spending entire $200/day budget | 8–11 conv/day; consistently at cap | | SP Direct Mobile Broad (August) | 7.5% budget-lost IS | Spent $100,906 vs $76,000 monthly cap → throttled | ### Bid-Limited (budget is available, rank is the constraint) | Campaign | Rank-Lost IS | Signal | |---|---|---| | AI MAX Desktop | **67.6%** (↑19.5pp WoW) | $10,021 spent but only 13.4% impression share — paying premium CPCs for fraction of traffic | | SP Direct Mobile Broad | **89%** | Despite $2,500/day budget, losing 9 in 10 auctions to rank | > **Key insight:** SP Direct's 89% rank-lost IS is the dominant constraint — raising its budget without fixing bid competitiveness has no effect. September's budget underutilization (6.4% at 7AM UTC on Sep 7) is likely a combination of low Sunday morning demand and continued bid/QS limitations, not a budget issue. ### Overbidding (paying more than payout justifies) | Campaign | Issue | |---|---| | AI MAX Desktop | $417 avg CPA against a $200–$475 payout range; marcus/goldman sachs keywords (QS 1–2) driving wasted spend with zero conversion rate. Sep 7: $66+ spent on nerdwallet + jpmorgan chase terms, 0 conversions. | --- ## Section 4 — Budget Reallocation Recommendations ### Immediate Actions (This Week) **Step 1 — Free $1,550/day from zero-impression campaigns** | Action | Budget Freed | Rationale | |---|---|---| | PAUSE Experiment campaign (Budget ID: 14151937593) | $1,400/day | 32+ days zero impressions, 32+ days zero spend. P0 action 16 days overdue. No recovery path visible. | | PAUSE Amir \| search \| mobile \| bc \| DE | $150/day | Zero impressions, no documented purpose. Pause pending investigation. | **Step 2 — Conditional reallocation of freed $1,550/day** | Scenario A: Earny payout confirmed ≥ $20/conversion | Allocation | |---|---| | earny \| p-max budget | +$750/day → raise to **$1,000/day** | | earny \| search budget | +$200/day → raise to **$400/day** | | SP Direct Mobile Broad | +$600/day → raise to **$3,100/day** | | Scenario B: Earny payout confirmed < $5/conversion | Allocation | |---|---| | SP Direct Mobile Broad | +$1,000/day → raise to **$3,500/day** | | Hold reserve | $550/day — await AI MAX bid fix before allocating | | Scenario C: Earny payout still unconfirmed | Allocation | |---|---| | SP Direct Mobile Broad | +$800/day → raise to **$3,300/day** | | Hold reserve | $750/day — do not allocate until earny payout confirmed | > **The earny payout confirmation (P1 open action) is now effectively a P0 budget decision.** 98% of reported conversions have unknown revenue value. This must be resolved before any scaling decisions are made. --- ## Section 5 — Bid Adjustment Recommendations ### AI MAX Desktop — Fix Before Scaling The AI MAX bid sequence must follow this specific order to avoid amplifying waste: **Step 1 (Do first):** Add campaign-level negative keywords: - `marcus`, `goldman sachs`, `marcus goldman sachs` — QS 1–2; converting at near-zero rate while pulling avg CPA up - `nerdwallet`, `jpmorgan`, `chase`, `how to set up` — Sep 7 confirmed $66+ zero-conversion waste **Step 2 (After negatives applied, allow 48–72 hours):** Raise Max Conversions bid by **+25%** - Current rank-lost IS: 67.6% — this requires meaningful bid increase, not a marginal one - Expected effect: Recover 15–25pp of rank-lost IS, increasing impression share from 13.4% toward 20%+ - Monitor CPA impact closely: target landing at or below $350 to stay profitable against US Bank Savings payout **Step 3 (If CPA drops below $280 post-adjustment):** Consider raising budget from $1,800 → $2,200/day - Only warranted once budget-lost IS exceeds 20%, which it will not at current bid levels ### SP Direct Mobile Broad — Address Root Cause of 89% Rank-Lost IS 89% rank-lost IS on Max Conversions without a tCPA cap suggests the algorithm is not being given room to compete. Options: 1. **Review shared bidding portfolio ("QS" strategy):** If this is a portfolio max conversions strategy with account-level caps, the cap may be suppressing individual campaign bids. Verify portfolio tCPA target is not artificially constrained below $200. 2. **Pause the ally bank high yield savings BROAD keyword** (P1 action, 11 days overdue): QS 3 keyword dragging account quality and increasing effective CPC for all auction participation. 3. **If portfolio strategy allows adjustment:** Test a +20% bid modifier on the top-performing ad schedule segments (weekday business hours historically strongest for financial intent queries). ### Earny P-Max — Do Not Adjust Until Payout Known At $2.29 CPA with Performance Max, Google is optimizing aggressively. The algorithm is working. The only levers that make sense before payout confirmation: - Do not raise target ROAS (no revenue signal configured) - Do not add audience signals that restrict volume unnecessarily - Simply confirm payout → then scale budget as above --- ## Section 6 — Quality Score Impact on Bid Efficiency Low QS keywords force higher bids to achieve the same ad rank. These are active waste vectors: | Keyword | QS | Campaign | Action | |---|---|---|---| | marcus goldman sachs high yield savings | 1 | AI MAX | Add as negative KW immediately | | marcus hysa | 2 | AI MAX | Add as negative KW immediately | | ally bank high yield savings | 3 | SP Direct Broad | Pause immediately (P1, 11 days overdue) | | bank of america high yield savings | 3 | — | Review; likely competitor-branded waste | | discover high yield savings | 3 | — | Review; likely competitor-branded waste | **High-QS keywords to prioritize budget toward:** | Keyword | QS | Opportunity | |---|---|---| | best savings interest rates | 10 | Maximize impression share — highest QS in account | | best online banking | 8 | Strong LP relevance confirmed | | best savings accounts | 8 | Core intent, above-average LP experience | | high interest checking accounts | 8 | US Bank Checking opportunity (low payout — monitor CPA closely) | --- ## Section 7 — Competitor & Market Signals Affecting Bids - **Marcus/Goldman Sachs search volume up +74% WoW** — this is currently only creating waste (QS 1–2 in AI MAX) rather than opportunity. After adding Marcus as a negative KW in AI MAX, build a separate Marcus brand query campaign to capture comparison intent at controlled CPAs. - **Capital One and Chase competitor campaigns are paused** (flagged in priority_actions) — reactivating these during a competitor bid surge would require careful CPA floor-setting against payout benchmarks. Capital One does not appear in current payout table; confirm payout before activating. - **Vio Bank and Bask Bank emerging as new brands** — add to AI MAX keyword list; QS unknown, start with exact match to build data before broad expansion. --- ## Section 8 — Consolidated Action Plan ### P0 — Act Today | # | Action | Budget / Bid Impact | |---|---|---| | 1 | **Pause Experiment campaign** (Budget ID: 14151937593) | Free $1,400/day | | 2 | **Add marcus / goldman sachs campaign-level negative KWs in AI MAX** | Stop $0 CPA waste on QS 1–2 terms | | 3 | **Pause ad 808777333897 in AI MAX** | Stop $800+/week estimated waste | | 4 | **Confirm earny payout per conversion** | Unlocks or blocks ~$750/day scaling decision | ### P1 — This Week | # | Action | Budget / Bid Impact | |---|---|---| | 5 | **Reallocate $1,400 from Experiment** per Scenario A/B/C above | Immediate ROI improvement | | 6 | **Raise AI MAX bid by +25%** (after P0 negatives applied) | Recover rank-lost IS from 67.6% | | 7 | **Pause ally bank high yield savings BROAD keyword** | Remove QS 3 drag on SP Direct | | 8 | **Add nerdwallet, jpmorgan chase, "how to set up" negatives in AI MAX** | Stop Sep 7 confirmed $66 zero-conv waste | | 9 | **Investigate SP Direct Sep 7 budget underutilization** | Confirm no delivery or billing issue | | 10 | **Fix broken images on /savings** (9 CDN-broken assets) | Page QS improvement → lower effective CPCs | | 11 | **Pause Amir \| search \| mobile \| bc \| DE** | Free $150/day | ### P2 — Next 2 Weeks | # | Action | Budget / Bid Impact | |---|---|---| | 12 | Build Marcus brand query campaign (separate from AI MAX) | Capture +74% volume surge profitably | | 13 | Add Vio Bank + Bask Bank keywords to AI MAX (exact match) | New payout opportunities if onboarded | | 14 | Affiliate CVR attribution audit for earny campaigns | Validates conversion quality for bid scaling | | 15 | Reactivate Capital One competitor campaign (confirm payout first) | Expand impression share vs competitor | --- ## Section 9 — Expected Outcomes | Metric | Current | After P0+P1 Actions | |---|---|---| | Daily budget waste | ~$1,550/day | ~$0 (dormant campaigns paused) | | AI MAX rank-lost IS | 67.6% | Target 40–50% (post bid raise + negatives) | | AI MAX avg CPA | $417 | Target $280–$350 (payout-safe range) | | SP Direct impression coverage | ~11% | Dependent on QS fix + bid portfolio review | | Earny P-Max budget cap hit | Daily | Budget raise contingent on payout confirmation | | Overall account CPA (ex-earny) | ~$209 | Target $180–$200 with QS improvements | --- **Bottom line:** The single most important action is confirming the earny payout — 98% of reported conversions have no verified revenue. The second most important is pausing the Experiment campaign to stop $1,400/day in zero-return budget allocation. Until earny payout is confirmed, do not scale total account budget; instead, fix the bid efficiency of AI MAX and reallocate the freed dormant-campaign budget to SP Direct.