Start-up friendly banks in San Francisco?
aquaphile: Be wary of JPMorgan Chase or Wells Fargo, and I'd outright recommend never banking with Bank of America.  I've had business accounts over the years with all of them.If you have a smaller, regional bank or credit union with good capital adequacy, little/no exposure to construction loans (the next "shoe to drop"), no exposure to sub-prime loans, and strong reserves, consider using them.  You'll get better customer service.  Just make sure the bank/credit union can provide all the services you need before moving your balances.The big banks have dramatically raised fees, reduced customer service, and if you ever have a problem you're a nobody unless you have a $100M account.