First, you should work with the bank that you currently bank with. What's a little confusing about this program is that, while Congress has signed it into law, and the Fed and SBA are working on this together, it is implemented and executed by banks. Each bank has their own set of rules of who they're giving us to, which don't always line up exactly with the actual laws. One of those rules that we're seeing is that some banks are saying if you don't have a business account, you can't apply for PPP. Even if you are in operating a business but you have a personal account that you're running it out of, there's a chance your bank might say that they won't let you apply. In that case, I would try and ask them if they could transfer it over and transfer you to a business account, some banks will do that. That is to say, the frustration is that banks are setting some rules that aren't actually in the law.

The Fed and everyone has suggested that you start with your existing bank. If you bank with Chase, reach out to Chase and try and apply there, Bank of America, Wells Fargo, same thing. Everyone has these portals online generally that you can do this. If you have a relationship with your banker, even better, start there. If that doesn't work, you can also try places like Lendio. You can apply in as many places as you want, you can only take the loan out once.
For instance, with Fohr, there was a time where we felt like where our bank said they weren't going to do PPP loans, and I think we talked to 20 bankers and we probably put 10 applications in, and our bank finally came back and said hey we're going to support PPP blah blah blah. Anyway, that's to say you can apply as many times as you want, and it doesn't hurt to. Start with your bank, and then maybe also try a provider like Lendio.