Bay Area Credit Unions & Banks -- DIVEST

	A	B	C	D	E	F	G	H	I	J
1	OVERALL: For credit unions, Provident (SF and East Bay) or SF Fire Union (SF) are your best bets. If you are looking for a B corporation bank, New Resource (SF) or Benefit State (East Bay) are the way to go. Check out the general info and resources tab for more details on B corps and credit unions.
2	Name	TL;DR	Location	Savings/Money Market	Checking	ATMs	Credit Card	Online/Mobile Banking	Notes	Customer comments

3	Alliant	good savings and checking, all online, less community oriented	online only	• High-rate savings: 1.00% APY with average daily balance of $100 • Supplemental savings: intended for emergency fund, 1.00% APY with daily balance of $100 or more • HSA: 0.65% APY with average daily balance of $100 or more, no initial deposit, no minimum balance, no account maintenance or transaction feeds	• Free checking: no monthly service fee or minimum balance • High yield checking: no monthly service fee or minimum balance, 0.65% APY	• Free checking: 80,000 surcharge-free ATMs, ATM rebates up to $20/mo for out-of-network ATMs • High Yield Checking: ATM rebates up to $20/month, 80,000 surcharge free ATMs	• Visa Platinum: no annual fee, no balance transfer fee, 0% APY for 12 months • Visa Platinum Rewards: earn 10,000 bonus points with qualifying spend, earn 1 point for every $1	yes	no physical location, some poor customer reviews re: credit cards
4	Benefit State Bank	B corp in Oakland, commitment to sustainability	Oakland	• Save 1st: $25 to open, $5 service (waived in $500 average balance), interest paid quarterly and compounded daily • CDs: 6, 12, 24 and 36 month, $100 to open, no service charge	• Personal: $10 to open; $15 service (discount $5 for each direct deposit, online bill pay and over 14 debit card transactions per mo), limit 100 transactions ($0.25 each transaction over 100) • EcoEarnings: $50 to open, $15 service (waived if $2500 mo balance; discount $5 for direct deposit, online bill pay and over 14 debit card transactions per month), limit 100 transactions ($0.25 each transaction over 100) • Market Access: $15 to open, $15 service fee (waived if $5000 mo balance; discount $5 for direct deposit, online bill pay and over 14 debit card transactions per month)	• $1 transaction fee for non-network ATM plus ATM fee	• Affinity Visa Platinum—portion goes to business and nonprofit (B corp, Capital Public Radio, Clean Water Action, League of Conservation Voters, Sierra Club, etc.)	yes	B corp, Global Alliance for banking values
5	Community Bank of the Bay	limited online banking, commitment to equal housing	Oakland	• Essential Savings • Money Market • CD • Flexible Certificate of Deposit • IRA	• Personal checking and Interest checking	• ATM rebates	• Visa personal card: low rate, no annual fees • Preferred Points: cash-back awards, retail gift, travel	online	must apply in person, Bay Area Green Fund, fund businesses that wouldn't otherwise apply for credit; call for more info, no exact rates on website
6	Cooperative Center Federal Credit Union	Berkeley based, very low APY compared to others	Berkeley	• Regular and Holiday Savings: $100 min to earn 0.05% APY • Traditional and Educational IRA: $100 min to earn 0.05% APY • Share certificates: $1000 min to open, start at 0.11% for 3 months, 0.2% APY 1 year, 0.26% 4 year	• Platinum: min balance for 0.05% APY: $2000 • Prestige: min balance of 0.05% APY: $2000	• Surcharge-free ATMs through co-op network	• No annual fee • Choose from Visa Gold, Classic or Premium Secured	No
7	Golden1	some unhappy customers	SF and Oakland	• Regular: minimum opening deposit: $1, $100 daily balance for earnings, unlimited ATP, no monthly maintenance • FlexSavings: $20 to open, no min balance for dividends • Money Market: $2500 min opening deposit, no monthly service charge if maintained	• Premium: min $100 opening deposit, earns dividends w/ min daily balance of $1000 • MarketRate: min $1000 opening deposit, earns dividends w/ min daily balance of $1000, $15 monthly service fee (unless maintain min daily balance of $10,000) • Free checking: no min deposit required, no monthly maintenance fee	• 240 Golden 1 ATMs and 30,000 co-op network ATM	• Platinum rewards: 3% cash-rebate on gas, grocery and 1% cash on other purchases • Platinum secured: rebuild credit security	yes	reports of poor fraud protection, reports of poor customer service
8	New Resource Bank	B corp in SF, commitment to sustainability, unclear about where debit card can be used	SF only	• Personal savings: $5/mo maintenance or free with >$1000 balance • Money market: $25/mo or free >$10,000 balance; min opening deposit $1000	• $20/mo maintenance fee or free w/ avg. daily balance >$5000 • debit card can be used where it says STAR or PLUS (unclear if this would be limiting)	Rebate 5 ATM fees/mo	Visa rewards and points on first purchase; Visa Bonus Rewards and Bonus Rewards Plus	yes	B corp, Green Business, "invested 100% in sustainability", Global Alliance for banking values
9	Pacific Service	some unhappy customers	SF and Oakland	• Savings: $100 earns dividends (compounded and paid monthly), no monthly feeds, $4 min opening deposit • Money Market: no min opening deposit, no min balance, earn dividends $2500+ • Options for IRA and children’s education	• Free checking: no min balance, no monthly service, no interest • Plu$ checking: $7500 min monthly balance, if no $10 maintenance fee • Relationship checking: need to have direct deposit or $25,000 in deposit and loan balance, free checks for life		• Visa Platinum Rewards: earn travel and merch, no annual fee • Visa Secured Rewards: establish or build credit, no annual fee	yes	reports of poor service at Oakland location
10	Patelco Credit Union	unhappy customers	SF and East Bay	• Tiered: every member must start here, more saved, more earned • Holiday: $20 min to open, dividends compounded and paid monthly • Money Market: 3% APY on balance up to $2000, no fees, no minimum balance, dividends paid monthly	• Free checking: $10 min deposit to open, no interest, no monthly fee • Interest checking: $10 min deposit, 0.05% APY, $5/mo fee waived if direct deposit >$100 or maintain min daily balance of $500 • Premier checking: as balance increases, APY increases, $5000 minimum deposit, 0.05% to 0.10% APY, $10/mo maintenance waived if balance of $5000 maintained	• 30,000 free ATMs nationally, fee for out of network ATM	• Pure MasterCard: no fee, no rewards • Points Rewards World: no fee, 2x gas, 2x grocery and 1x other • Payback Reward World: $0 first year, $35 annual fee after; 2% cashback • Passage Rewards World: $0 first year, $85 annual fee after; 3x travel, 3x dining, 2x all other purchase points	yes	customer complaints about fraud detection, withdrawal limits, customer complaints about service
11	Provident Credit Union	Round up savings, highest checking APY, equal housing lender, community oriented	SF and East Bay	• Round Up Savings: rounds up debit card purchases to the nearest dollar and transferred to checking account; 100% match for the first 3 months • Accumulator: floor APY guaranteed through end of each year • Money Market: minimum $2500; higher-rate savings acct • Term Share certificates: fixed-rate and bump-up certificates; $1000 min	• Super Reward: no monthly service fee, no min balance, 2.01% APY	• Super Reward checking=free ATM nationwide • Provident checking=4 free withdrawls/mo	• Cashback=1.5% cash back on all purchases • Provident=either low rates or reward points • Shared Secured=good for those with little to no credit history	yes	Certified housing lender, reports of excellent customer service
12	SF Fire Credit Union	happy customers, tiered savings	SF only	• Tiered savings: more money, higher APY • Term savings: min balance $250, increased APY every year up to 5 years • HSA: $2 monthly fee, no annual spending requirement • Educational: no min deposit, tax-free growth	• No monthly fee • No minimum balance • No direct deposit requirements	• ATM anywhere: refund 6 ATM surcharges per month	• Fire Union Platinum Visa: no annual fees, rewards program for cash, travel and gift cards • CSFA Member Exclusive Platinum Visa: no annual fees, overdraft protection	yes and live webchat	Equal housing lender, reports of excellent customer service, can apply online
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100