The banks are doing everything they can to make it a challenge to file for this program. You can't really blame them since it doesn't make sense for them to be lending given that 4/5 of the amount is likely to be forgiven. This should be done through spa.gov or some other government service.

For BOA you're required to have a lending product in addition to a checking account. While Chase first delayed their roll out and now are only offering a call back (with no details as to when or what they will require). I hear similar things about the disaster loans offered by the Government (not hearing back within 3 days) but at least in that case you can actually file an application. What are you supposed to do if you don't have an account with BOA or Chase? You're at the mercy of whether or not the bank wants your loan on their books. I can't see the upside in doing this through the banks other than to make it a logistical nightmare for small businesses - if anyone has thoughts otherwise I would really like to understand.