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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 telling the story of a Cincinnati family dealing with the immigration dilemma, an Ohio television station is choosing to do it through comic illustrations.The project by The E.W. Scripps Company's WCPO television station, “Living in the Shadows,” is the story of the family whose daily life is clouded by the complicated laws and opinions around immigration.The story is told through the eyes and voice of a Cincinnati teenager, who is called Adriana. Comics journalist Kevin Necessary and reporter Breanna Molloy conducted several interviews with Adriana, her mother and her brother. Most of the text is taken directly from those interviews. WCPO has chosen not to identify the family members and, as a result, it is not using their real names. The drawings are not their exact likenesses. During the television interview that airs on WCPO in Cincinnati, they will be shown in shadow. The station had this to say:"We don’t want to put the family at risk of being arrested or broken up by identifying them. Arrests of undocumented immigrants like the mother in this story have risen sharply in the last year. We have seen that in our community, too. "Our goal is simply to tell the story of one family in our community and how their lives are affected in the national debate on immigration." 1352

INDIANAPOLIS -- Members of a neighborhood on Indianapolis' northwest side are asking police to do something about a woman caught on camera attacking neighbors with a yard sign and threatening their lives.The woman was seen on video pulling signs out of Miguel Rios and Luvia Roman's yard and saying she'll kill them, all over a property line dispute on Twin Creeks Drive, just north of Northwestway Park.Neighbors say the woman has a history of harassing minority neighbors. Corey Banks, a neighbor from across the street, said he's been called the N-word multiple times by her. Rios and Roman bought the house next door to the woman about a year and a half ago. They say the woman has called the health department, narcotics and child protective services in an effort to get them to move."I'm scared for my life," Rios said. "I'm scared for my family's life. And it's just not right." 918

It has been 11 years since the federal minimum wage has increased, and Congress is weighing if now is the time to give minimum wage employees a raise.One economist cautions that now might not be the best time.“The big problem then is if you fundamentally raise the cost of their labor by raising the federal minimum wage in states where that will have an impact, then you’re further increasing the businesses’ cost,” said Ryan Bourne, economist from the Kato Institute. “Which is likely to make more businesses fail and actually result in fewer jobs being available for low-wage workers.”According to the Cato Institute, 29 states and the District of Columbia have minimum wages that are above the federal minimum of .25.“This seems to be a particularly bad time to raise the cost of hiring people by having a higher hourly wage rate,” Bourne said. “It might deter some of the adjustment we need to live with this virus.”But fellow economist Ben Zipperer of the Economic Policy Institute disagrees with Bourne’s assessment.“That kind of concern has always been raised when we’re talking about the minimum wage, and it doesn’t seem to actually play out in reality,” Zipperer said.Zipperer argues that raising the minimum wage could boost economic activity. He added that a minimum wage hike, while not a panacea, would put the economy in the right direction.“Giving people more money to have more money to spend, that’s probably one of the most effective policies to have during a kind of depression,” he said. 1519

INDIANAPOLIS -- More than a dozen protesters were arrested Monday afternoon after they blocked a busy downtown Indianapolis street during rush hour. The group was demonstrating as part of the "Poor People's Campaign" and started at Monument Circle before making their way to the an area outside of the Statehouse. Indianapolis Metropolitan Police were called to the scene after reports of about 50 people blocking the road. Responding officers tried to talk to the protesters and gave them multiple warnings that if they did not leave the street they would be arrested. Police say they spoke to the protesters individually and tried to get them to move, but after being left with no alternative they took five women and nine men into custody. All 14 were arrested for obstruction of traffic. The group claims they were protesting against poverty, racism and other important issues.  925