Data point:
Applied Alaska business, instant online approval (sole prop, new, 0 rev). Pulled TU.
4/24, 1/12. BoA: open checking (>10y) and personal cards (>1y).
Previously applied for AS bus in 2017-08 with legit business information, received letter requesting CD open and various docs, submitted docs, tried multiple times to open CD without success and eventually abandoned application.

Perhaps 0/0 is better than real data at this point in time.
(first-time poster - appreciate all the great advice here)