I can strongly recommend, with minor caveats, SFFire and Provident CU. SFFire is mostly sf, Provident is mostly peninsula. Both offer smartphone check deposit

I can strongly recommend, with minor caveats, SFFire and Provident CU. SFFire is mostly sf, Provident is mostly peninsula. Both offer smartphone check deposits. Minor caveat: don't open your account or apply for loans online. They both "offer" it, in the sense it's theoretically possible to do, but a giant pita. Just go to a branch. Provident took 3 weeks to replace a stolen credit card. Other than that, they're great. I've been in branches for the two probably 5 or fewer times total in 8 years of being a customer. Also, a human answers the phone when you call! One that's empowered to help you!