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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

It was a moment one lucky Norfolk, Virginia couple didn’t know was coming.Derek Page and his fiancée, Veronica Singer, got a one-of-a-kind gift Sunday for their upcoming wedding in October.“I knew my brother was planning something, but I had no idea it would be this,” explained Derek.Derek’s brother, Alex Page, planned the surprise after coming across a Facebook post.“Instead of getting something off their registry, something that’s replaceable, I just thought it’d be a fun, unique different gift that creates a lasting memory,” said Alex Page.32-year-old Miles Hoyle surprised the couple on their porch by playing a variety of songs on his accordion. The accordionist has been playing the squeezebox for 13 years.The performances are something he calls 'Accordion-at-your-Door' where Hoyle plays songs for special occasions and celebrations - one note and one doorstep at a time.“I enjoy it a lot,” Hoyle said. “I think it helps bring them a little joy too, at least I hope so.”Hoyle started playing outside of people’s homes before the pandemic but said business ramped up right after the stay-at-home order went into effect.“I’ve also played outside a few restaurants on their porches,” he said.Hoyle also plays the accordion in his two bands, The Fighting Jamesons and Mosquito Cabaret, but as the COVID-19 crisis put most live entertainment on pause, his solo performances picked up traction.“I think it’s a win-win for everybody,” Hoyle said.The final song Hoyle played for the couple was Elvis Presley’s “Can’t help falling in love.” The couple applauded after the 15-minute show ended. Derek Page said the surprise left them with lasting memories.“I could not have even expected this, not in a million years,” he said. “This was amazing. Life-long memory here.”To book Miles Hoyle for an Accordion-at-your-Door performance, click here.WTKR's Antoinette DelBel first reported this story. 1907

In yet another distressing milestone amid the COVID-19 pandemic, more than 1 million people globally have now died of the virus, according to a database kept by Johns Hopkins.The planet passed the milestone Monday, about nine months after the new disease was first identified in Wuhan, China.Around the world, more than 33 million people are confirmed to have contracted the virus. The planet reached the 1 million deaths threshold just days after the United States recorded its 200,000th death linked to the virus — a rate that continues to lead the world. The U.S. also leads all other countries with more than 7 million confirmed cases of COVID-19.With 142,000 fatalities, Brazil is the only other country with more than 100,000 COVID-19 deaths. Other countries with high death tolls include India (about 96,000), Mexico (76,077) and the United Kingdom (42,077).The U.S., India (about 6 million), Brazil (about 5 million) and Russia (about 1 million) lead the world with the most confirmed cases of the virus.Worldwide, COVID-19 is spreading at the highest rates since the pandemic began. On Thursday alone, about 361,000 people were confirmed to have contracted the virus — by far the most daily confirmed cases on record.Deaths have largely held consistent since the summer months.Public health officials urge people around the world to continue to wear masks, avoid crowds, stay six feet apart from others and opt for outdoor activities over indoor activities ahead of the winter months. With winter approaching in the northern hemisphere, officials are bracing for a spike in cases as people move indoors, where the virus is more likely to spread. 1662

It's no secret that this is a challenging time for many, and the insurance industry is reacting to the new world we're in as a result of COVID-19.They're implementing everything from rebates and refunds to new policies.As many aspects of life are different now, motorists are traveling less and getting in fewer accidents. Recent events have also caused an increased interest in life insurance.“More customers are considering life insurance (as) an opportunity for us to help them recover from the unexpected around COVID,” says Kristyn Cook, senior vice president of agency marketing at State Farm Insurance.Interest in life insurance is swelling across the nation and being noticed industry wide. The Insurance Information Institute helps people understand insurance and what it does.Insurance Information Institute director Janet Ruiz said COVID-19 got people thinking.“I think they’re concerned and thinking about mortality and illness in the world,” Ruiz said. “It’s always important to have life insurance but sometimes people are so busy, they’re not paying attention to these types of needs they have whereas right now they’re looking at their financial picture and thinking, ‘Hey, I should have life insurance for my family and make sure they’re taken care of if something happens to me.’”And she says they have more time to prepare for catastrophe.For State Farm, that's helping people navigate what could happen in your region."There are very real significant risks relative to wildfires in California or hurricanes in Florida, or storms in general,” Cook said. “One of the things we pride ourselves on not just helping people recover when something happens but how to help them think about risk mitigation on the front end.”Cook says State Farm's 19,000 agents across the country are talking to clients about how to protect your home. Things like taking inventory, reviewing what kind of coverage you have and what you can do to structurally to protect your home. These are things, that before COVID-19, people would push off for a later date.“People are home and they have more time sometimes to think about the what if scenarios and that intersects with our reach out by our agents to say how can we help you," Cook said.Another big change is automotive coverage. Auto insurance customers policy should check their policies and reach out to their agents. Companies are sending refunds or rebates to customers due to changing driving habits.“We call it good neighbor relief program,” Cook said. “Payment flexibility, options relative to providing relief, we announced a dividend, a return of value to customers to the tune of billion recognizing they are doing less driving and there are fewer accidents.”Some are beefing up homeowner and renter policies, again, thinking about things as they're home and reviewing their properties.“If there’s a water leak, they’ll detect it quickly and get it fixed and they’re not having as much theft because they’re around the house and so you don’t have the thieves coming in while you’re at work,” Ruiz said.She also said most agencies are allowing you to put off payments for a month or two if you need a financial break. State Farm realizes that looks different for every customer and their unique situation. 3275

It's official: Black Friday and Cyber Monday are still shopping bonanzas for retailers.Mastercard estimated sales on Black Friday hit billion, surging 9 percent from last year. Cyber Monday may have seen as much as a 19 percent increase from last year, Adobe Analytics predicted. (The final numbers are not yet out.)Although it will take several weeks for the dust to settle, traditional players have emerged as early winners in the holiday shake out. Traffic at Walmart, Target, Best Buy, and Kohl's was strong on Black Friday and into the weekend, analysts say.Black Friday and Cyber Monday were Amazon's biggest shopping days in its history. Customers bought more than 180 million items from Thanksgiving to Cyber Monday, the company said. The early results signal that retailers got a lift from a strong economy, convenient new ways to spend, and the demise of former rivals. All five companies' stock prices rose on Monday, reflecting investor optimism for the holidays.Although fewer shoppers turned out at brick-and-mortar stores, more bought on online and on their smartphones.Overall, traffic to physical stores dipped 1% on Thanksgiving and Black Friday compared to 2017, according to ShopperTrak, a retail consultancy that monitors in-store traffic. Digital analytics firm RetailNext said traffic declined 6.6% during the four-day weekend compared to a year ago."This was a great Black Friday. Consumers came out in droves and retailers stepped up efforts around inventory and servicing," said Marshal Cohen, chief industry adviser at NPD Group. 1578