do you guys consider cracking and putting out a bit of taproot to be germinating? i used to always put them in a glass of water w/ a drop of hydrogen peroxide and kept it in a warm area, 90% would crack and show tails within 24 hours and be ready to go into the soil and the other 10 percent never really would(well, technically, their is the chance they might be alive still, but after 24 hrs they get thrown away.) you also need to check as often as you can to pull out any that have cracked and shown tails, otherwise they would usually die.
I just put the beans straight in the soil now, the other way doesnt make it really sprout out of the soil any faster , waste of time imo, but it can be done.