>> everyone deserves a bank account. in san francisco, anyone can have a bank account, things to an innovative program, bank on s.f. >> everyone is welcome, even if you are not a citizen or have bad credit to qualify for a bank account is simple. just live or work in san francisco and have a form of id. >> we started bank on s.f. six years ago to reach out to folks in the city who do not have a bank account. we wanted to make sure they know they have options which should be more low-cost, more successful to them and using chat catchers. >> check cashing stores can be found all over the city, but they're convenient locations come with a hidden price. >> these are big. >> i remember coming in to collect -- charged a fee to

collect a monogram. >> people who use check catchers, particularly those who use them to cash their paychecks all year long, they can pay hundreds, even a thousand dollars a year just in fees to get access to their pay. >> i do not have that kind of money. >> i would not have to pay it if i had a bank account. >> bank accounts are essential. they keep your money saved and that helps save for the future. most banks require information that may limit its pool of qualified applicants. encouraging to turn to costly and unsafe check captures. >> i do not feel safe carrying the money order that i get home. >> without a bank account, you are more vulnerable to loss, robbery, or theft. thankfully, the program was designed to meet the needs of every kind, so qualifying for a bank account is no longer a

problem. even if you have had problems with an account in the past, have never had an account, or are not a u.s. citizen, bank on s.f. makes it easy for you to have an account. >> many people do not have a bank account because they might be in the check system, which means they had an account in the past but had problems managing it and it was closed. that gives them no option but to go to a cash -- check catcher for up to seven years. you want to give these people second chance. >> to find account best for you, follow these three easy steps. first, find a participating bank or credit union. call 211 or call one of our partner banks or credit unions and ask about the bank on s.f. account. both -- most bridges will have a sign in their window. second, ask about opening an account through bank on s.f..

a financial partner will guide you through this process and connect you with the account that is best for you. third, bring some form of identification. the california id, for an id, or your passport is fine. >> now you have open your account. simple? that is exactly why it was designed. you can access your account online, set up direct deposit, and make transfers. it is a real bank account. >> it is very exciting. we see people opening up second accounts. a lot of these people never had account before. people who have problems with bank accounts, people without two ids, no minimum deposit. we are excited to have these people. >> it has been a great partnership with bank on s.f. because we are able to offer checking, savings, minimarkets,

certificates, and loans to people who might not be about to get accounts anywhere else. even if you have had a previous account at another financial institutions, we can still open an account for you, so you do not need to go to a check cashing place, which may turn to two percent of your monthly income. >> you can enroll in free educational services online. just as it -- visit sfsmartmoney.org. with services like financial education classes and one-on-one meetings with advisers, asset smart money network makes it easy for you to learn all you need to know about managing, saving, investing, and protecting your money. the network offers access to hundreds of financial aid programs. to help their eruptions, fill out the quick questionnaire, and you will be steered to the program you are looking for. >> who want to make sure everyone has the chance to manage their money successfully,

keep their money safe, and avoid getting ripped off. >> it sounds very good. i think people should try that one. >> to find out more, visit sfsmartmoney.org or call 211 and ask about the bank on s.f. program. >> now you can have a bank account. open one today. track. >> ladies and gentlemen, please welcome laura republican powell jobs chair and co-founder of college track. >> thank you. good morning on

behalf of the board, staff and students of college track it's my pleasure to welcome you to the bay center. it's an honor to have you here today and mayor lee welcome back. your support for the student is important. even though people talk about globaltion people are local and jobs are local. each of us each day can fix the neighborhood. real progress is credit place specific and - this concreteness

is one of the benefits of college track. it lift up one student after another it looks after and supports individuals. it stands or falls on the local individual concrete attention. there is nothing global about it's on the difference even though we believe that other institutions like ours with help the world. slowly we partially we build out. we're great deal of that mayor lee has chosen to make his first

state of the city address here. it sends a message for all student in san francisco. you know that this city's future don't understand on the education we provide for all our children. it's with great pleurisy introduce the mayor of the city of san francisco. good morning thank you laura republican for that kind introduction and thank you for opening your divorces to me this morning. i want to honor david and all your supervisors and to our two

newest supervisors. mayor brown thank you for being here and taking the time to join us this morning. you have done so much in this county >> and since this is my first city address i'm hoping you'll cut me some slack if you chose to write about it in the newspapers. to the department heads and consistent leaders and education leaders to all of you who are online and thank you all of you for joining us this morning. and, of course, to my wonderful wife, mother and friend thank you for being here and pitting up with me for all these years >> a year ago i stood before i and score my term of office pledging to seize the year of

the dragon to focus on jobs and to make bold decisions for your future. and to work together with all our stoifrz to put it lanely to get things done were when i took office your unemployment was really high. the redevelopment by the state was a potential death now for the housing and our taxes stopped the growth of our economy. we in this room and many of us working together took on the story changes for our city some

of which have vexed for years >> years. i'm proud that together we through innovation and we foerjd our way ahead. to the city commissioners and to the department heads and to our friends in the business, labor you think non-profit and other communities who spent countless hours with us in negotiations and to the great people of san francisco who rewarded us with your support at ballet in san francisco thank you, very much. together we're putting san francisco back on the right

track and building a solid foundation for all our residents. my fellow san francisco's we're living in a time of astonishing innovation and unlimited process we're driving that innovation and for or against the future right here right now not just for san francisco but for the whole world. within the lab of our technologies we're developing techniques will will save lives. to our market district we're providing the world with tools to live in the chewing print

with 3-d or even topple dock - we're fashioned our food that bears the label of san francisco. a stamp yes. a stamp and mark of craft manship by consumers all around the world where we've got 26 cranes our own residents back on the work building san francisco with their skills and a whole lot of heart. and very soon a spectacular for

a world-class concerts and event we've got a great stadium. our unemployment rate is down to 6.5 percent from 9.6 when i first took office that means thirty thousand more san franciscans back to work today. nearly 11 million square feet of office space was leased last year. we've got the first new commercial high-rise officials building breaking ground this spring were we passed the business tax reform and bonds to renew our parks and open spaces.

for the first time we've got to balanced budget. our budget resources are growing. this summer we welcomed the first north cup race. our beloved giant swept the world series. and our baseballs champions but i like to say we're the champions. and in 6 days our incredible 49ers will take the field with the whole city behind them. my fellow san franciscans i

would smut to you our city a vital and strong. this renewed strength of our city and the renewed confidence we're the best city in 2012. the newspapers called us the best place for parks urban parks in the united states and we're among - yeah. go for our parks >> and we're among the smartest cities and the most walkable cities.

yes. and continuing the environmental marketplace under our prior mayor we're the green tech capital of north america and the number one for green jobs according to the best magazines and we're also rated highly for losing weight. in the case of san francisco i believe we're so burglarized. the progress of our city is no accident. indeed we're vital, we're strong

city because of the fiscally responsible direction we've teen, deliberate choice we've made to attract people into our city. whether it's a reform of our housing or infrastructure on the significant challenges we've faced we put the people's priorities head of city hall. and on this course my fellow san franciscans i believe with all my heart we must continue were while these truths have never

been self-evident we have to speak of our freedom. the same is our commit to continue the path of progress that we're on today. yet the worse of economic times are behind us we cannot relent to our commit with fiscal prudence with our taxpayers' money. we must not be distracted and retreat from making smart investments in our people in our neighborhood and in our infrastructure. i know that some maybe told me in better times to forsake the people's por