Originally Posted by sdsearch

They're been denying some people after paperwork (typically only tax form, if one applied as a sole prop) if they don't have a BofA checking or savings account. After my denial early this year, I opened a BofA saving account and moved a bit from my main saving account (at another bank) over to there, but I haven't tried applying yet again since, and so I have no idea how long such a BofA checking/savings account has to be open to satisfy their "existing relationship" semi-requirement.

But they seem to make different demands on every application. Ie, I've not gotten the CD option in two attempts, while other people in between my attempts got it. So there's no one thing they ask from everyone, so until you try, you don't know what if anything they'll ask of you.

One thing they've recurrently complained about me is that they don't see enough of a business credit history with other business cards. But that's because they're checking a business credit bureau which doesn't seem to show my Amex business cards or my Chase business cards or several other banks.