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It’s a tough time to do your banking if you prefer going to a branch. Hours have been cut at many locations, and social distancing guidelines mean bank lobbies are limiting traffic — assuming they are open at all.For customers who absolutely need to visit branches, banks are taking steps to prevent the spread of COVID-19. Sean Potter of Minneapolis, who blogs at My Money Wizard, saw these precautions during a recent meeting at his local bank. “It was awkward because I had an appointment with the relationship manager, and we still had to maintain 6 feet of distance even though we had to review the same documents together,” he says.Potter appreciates that the branch was trying to ensure his safety, but says he’s now considering other ways to bank. “From now on, it’s online or on the phone,” he says.Here are some ways you can bank without leaving home, along with safety tips if you do need to venture out to a brick-and-mortar branch.Explore online options“A lot of banking can be done with the click of a button,” says Brian Milton, head of retail banking at Union Bank. Union and most other banks and credit unions have robust websites and apps you can use for many banking tasks.Deposit checks. With mobile check deposit, you can snap a photo of a paper check and submit it online, via app or your bank’s secure website.Pay bills. With online bill pay, you can log in to your bank’s webpage and enter the name of the recipient and their contact information. Your bank handles the rest by making an electronic funds transfer or mailing a paper check.Apply for an account. Opening a new checking or savings account can be as easy as going to a bank’s website and submitting an online application. To apply, have your driver’s license and Social Security number handy to prove your identity.Sign documents. Some institutions use digital services such as DocuSign to prepare documents, including loan and account opening paperwork. They can be securely emailed to you, and you can sign them electronically by clicking highlighted prompts.Request payment assistance. Need some leeway with loan payments? Some banks are allowing customers to request arrangements online, including delaying due dates for bills, temporarily reducing monthly payments or asking for fee waivers.Or pick up the phoneKeep your bank’s customer service number nearby. You can use it to speak to a real person about account questions or issues.For example, some banks have announced that customers can call and request to waive non-sufficient funds fees, overdraft fees and monthly service charges.But keep this in mind: If you’re faced with steep fees, it may be better to simply switch to a cheaper bank. Online-only institutions, for example, tend to have low or no monthly service fees, and some offer toll-free customer service numbers staffed 24 hours a day, seven days a week. To learn more, read our primer on online banks.Bank safely at a branchIf you still need to visit a bank branch, here are some ways to protect yourself.Get it on the calendar. “Before you visit your local branch, it’s a good idea to call ahead and schedule an appointment,” Milton says. He adds that doing so helps branches manage occupancy and social distancing requirements.Calling ahead can also help the bank make sure it has a staffer on hand who can help you with a specialized transaction or request, he says.Consider drive-up services. Some banks have drive-up lanes where customers can receive the same services offered inside a branch, such as making cash deposits and withdrawals, and getting money orders, all at a safe distance from other people. You could also withdraw cash from an on-site ATM without the need to interact with a teller.Bring your protective gear. Since you’ll be touching screens, door handles and other public surfaces, consider bringing hand sanitizer or wearing gloves. If you do need to step inside a lobby, you may also be asked to wear a mask for everyone’s protection.Accept the changes. Steve Turner, a publicist in Chesterfield, Missouri, says he visits his local branch a few times a month to make business deposits. “There are signs on the floor showing where people should stand to keep their distance,” he says. Turner has also noticed there’s less small talk with the tellers, and reasons it’s because everyone is wearing a mask. He believes these changes will remain for a while. “It was odd at first, but now it seems like a new normal,” he says.More From NerdWallet3 Ways to Skip Your Bank’s Long Phone LinesLooking for Safer Ways to Pay? Go ContactlessIs My Money Safe in a Bank During the COVID-19 Crisis?Margarette Burnette is a writer at NerdWallet. Email: mburnette@nerdwallet.com. Twitter: @Margarette. 4731

In happier news... thank you everyone who searched high and low. To the person who took the bear, thanks for keeping it safe. Vancouver is awesome. #FoundMarasBear https://t.co/X7FlyiR89P— Ryan Reynolds (@VancityReynolds) July 29, 2020 243

In this video grab issued Sunday, Aug. 30, 2020, by MTV, Lady Gaga accepts the award for best collaboration for "Rain on Me" during the MTV Video Music Awards. (MTV via AP) 180

It has been more than two weeks since the Camp Fire devastated parts of California, especially the community of Paradise, but for one pet owner, not all was lost. Andrea Gaylord had to go several weeks not being allowed to return home due to the fire, which was the deadliest in California history. When Gaylord returned home on Wednesday, her dog was there waiting for her. According to KXTV, lost her home in the Camp Fire. But she considers herself fortunate. "You could never ask for a better animal," Gaylord told KXTV. "You really couldn't."Gaylord had some assistance from an animal rescue volunteer who was allowed inside of the evacuation zone. Shayla Sullivan took care of Gaylord's other dog Miguel, which is also Madison's brother. Sullivan would leave food and water at what was left of Gaylord's home in hopes that Madison would come around. Gaylord said when she pulled up to her home in Paradise, Madison was there waiting for her. "Imagine the loyalty of hanging in in the worst of circumstances and being here waiting," Gaylord told KXTV "It was so emotional." 1121

In proximity, the United States and Canada couldn’t be closer.  But when it comes to gun control, the two countries couldn’t be further apart. “A majority of the people do not feel the need to have a gun because we’re quite safe,” says Debbie Thorburn, a Windsor, Ontario resident.In Canada, they talk about guns differently because they look at guns differently.“You have the Second Amendment,” said Brian Green, a manager at General Guns in Windsor. “We don’t.”Detroit, Michigan saw 302 homicides in 2016, with most involving a firearm. Across the river in Windsor, during the same time, there were only three. “I would think that most Canadians are squeamish around firearms and don’t want any part of it,” said Al Frederick, Windsor’s police chief. “The difference, I think in my view, is the accessibility to firearms,” he said. “We don’t have a culture of people that are eager to carry or seek out to carry a firearm.”In Canada, unlike the U.S., it’s a crime for the average citizen to even walk around with a gun.  But that’s far from the only thing separating the two countries.A first-time gun buyer in the United States can walk into a store and leave with a gun the same day; in Canada, it can take months.The U.S. still allows for some gun purchases without a background check. That’s not the case in Canada, where they’re mandatory for any gun license. “Your file is given to an officer and it’s their job to go through it and prove that you are able to have a license,” said Brian Green of General Guns.While there’s often a push to expand gun rights in the U.S., in Canada there are few leading that fight. As one Canadian told The Now this week, “Guns are a right where you live. They’re a privilege where we live.”“I don’t think there’s a nation on Earth where they have armed their citizenry which has reduced violence,” Chief Frederick said. 1909