BoA is the worst, I’ll never bank there. Unless their interest rates are 2x everyone else. When my Dad died I had to wrap up his accounts there, and I’ve never been to a worse-run operation.
SDCCU has been friendly and informative with me but I do see a lot of ads about their mortgages; however, their balance sheet indicates that they are not at risk. I spent about 2 hours there yesterday (Sorrento Valley branch). They treated me well.