To be honest, I really feel it comes down to your relationship with the bank. My partner and I have a couple of companies all banking with the same bank. We were speaking to our account rep daily in the week leading up to the process as far as changes to forms, what documentation they would want etc. I and my accountant spent all weekend making sure we had every doc ready to upload for Monday morning went it went live for our bank. I honestly feel it is all about who you know at the bank and how much they value your business. Just like most other things in the business world.