for Fairwinds, do I just need to signup for the basic checking account?
I'd apply for the loan first, if you get approved just start with opening the savings account to get it open. After you talk with them about other requirements and get the process going for a loan, they'll tell when to open the checking account. It's pretty easy overall once you get assigned to someone who will process your loan, but it took me about 4 business days to get a contact. Once I did, everything else was done in <2 business days.