I don't know when you last checked, but Santa Clara, Alameda, Contra Costa, Napa, and Sonoma counties all let you get a "virtual" card to check out ebooks and y

I don't know when you last checked, but Santa Clara, Alameda, Contra Costa, Napa, and Sonoma counties all let you get a "virtual" card to check out ebooks and you can do it online. (I'm not 100% sure about Napa's ebook status, though; I have a Santa Clara county virtual card but am just checking the web sites for other counties!) San Mateo County will mail you a library card. San Francisco County is the only one in the Bay Area that seems to require in-person visits, although they've waived that through July. Sonoma County also seems to coordinate with Mendocino and Lake counties on their online card systems. I won't check the rest of California, but it seems like it's definitely more than three libraries now. :)