while I am sure people will disagree with me on this, but I believe every school wants to see your pre-req's done before you apply. Now while technically, you dont need to have your pre-req's done when you are applying, i just can't see it look good on your app.
Why? Because they only ask for and look for 4 courses: General bio, chem, orgo, and physics. These are required courses, and their admission decision is partially based on your competency in these four courses. These courses are infinetly more important than upper level science courses in terms of admissions, so the best would be to have these done prior to application time.
I always recommend finishing the pre-req's by end of junior year, and IF you got in one of these pre-req's lower than a B-, to retake it the summer between your junior and senior year, in time to show the retake grade before applying to med school.
Hypothetical scenario: You have finished bio and chem. Remaining are physics and orgo, and you plan to do orgo sophomore year and physics junior year. You got a D in Orgo I in fall of sophomore year. Rather than repeating orgo I in spring semester, go on to do Orgo II, do well in it, do physics your junior year and do well in it, and then retake this Orgo I which you got a D in the summer between your junior and senior year. This way the retake grade will show when applying to med school, and will help alleviate the damaging D in Orgo I assuming you did well in the retake. While some schools say that you cant go on to do Orgo II, without having got a C or higher in orgo I, don't let that stop you from registering in Orgo II the consequent semester. Talk to the department chair, and most likely he/she will let you continue if your advisor or online registration system wont let you (since eventually you will stay pay tuition for the course). While second half of science courses are built on first half, you can do very well in the second half of a science course regardless of whether or not you did well in the first half. Trust me on that. I often times dont see much correlation between 1st half and 2nd half of science courses, but thats just me
The same does not apply for upper-level science courses. If you got less than a B- in an upper level science course, just forget about it and move on. But that does not apply with the REQUIRED pre-req's.
So yea, try to have them done before you apply. In your case, general biology is regarded more important than biochem. immuno, virology because they are not REQUIRED while general bio is REQUIRED... no one asked you to take those upper level courses, but what is asked of you is to do general bio... so get that done before you apply