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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 the summer of 2013, Aimee Stephens sent her employer a letter explaining she was about to change her life. She was a transgender woman, and she intended to start dressing as such at work.She never expected then that she was about to enter into a yearslong legal dispute, one that might soon become a litmus test for lesbian, gay and transgender rights before the next US Supreme Court.Stephens had spent months drafting the message to management at R&G and G&R Harris Funeral Homes, a family-owned business in the Detroit area, she says. She was 52 years old at the time, and she had spent her entire life fighting the knowledge she was a transgender woman, to the point that she had considered ending her life.Now that she was coming out at work, she hoped her nearly six years of positive performance reviews, which had earned her regular raises, would count in her favor.But her boss, a devout Christian, told her the situation was "not going to work out," according to court documents. Thomas Rost offered her a severance package when she was fired, but she declined to accept it.She filed a complaint with the Equal Employment Opportunity Commission, the Department of Labor's enforcement agency, and the government sued the funeral home. The department accused the funeral home of firing Stephens for being transgender and for her refusal to conform to sex-based stereotypes.A district court agreed with the funeral home that the federal workplace discrimination law known as Title VII did not protect transgender people. But it found that the funeral home did discriminate against Stephens for her refusal to conform to its "preferences, expectations, or stereotypes" for women. The EEOC appealed.The 6th Circuit Court of Appeals ruled in favor of Stephens and the EEOC in March. The funeral home's lawyers accused the court of exceeding its authority by expanding the definition of sex in a way that threatens to "shift" what it means to be a man or a woman.In July, lawyers representing the funeral home asked the Supreme Court to take up the case to determine if transgender individuals are protected under Title VII's sex-based provisions. If the court takes up the case, it could have broader implications for the definition of sex-based discrimination. And it could impact case law that precludes firing anyone -- gay, straight or cisgender -- for not adhering to sex-based stereotypes."The stakes don't get much higher than being able to keep your job," said Harper Jean Tobin, director of policy for the National Center for Transgender Equality. "Harris Funeral Homes is a stark example of the job discrimination that so many transgender people face."Advocates say it's one of the most important current civil rights issues for the transgender community, along with similar considerations in education and health care. And they say it has been settled by years of case law. In the past two decades, numerous federal courts have ruled that federal sex discrimination laws apply to transgender and gender-nonconforming people, including Title VII, the Title IX education law, and Section 1557 of the Affordable Care Act.But lawyers from the Alliance Defending Freedom, the conservative Christian nonprofit representing the funeral home, say it's far from settled."No court or federal agency has the authority to rewrite a federal statute. That power belongs solely to Congress. Replacing 'sex' with 'gender identity,' as the 6th Circuit and the EEOC have done, is a dramatic change," senior counsel Jim Campbell said in a statement."What it means to be male or female shifts from a biological reality based in anatomy and physiology to a subjective perception. Far-reaching consequences accompany such a transformation." 3767

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

It's a place known for some of the most incredible sightseeing in Arizona, but even with its beauty, it's no stranger to tragedy."It breaks my heart," said Andrea Lankford, a former park ranger at the Grand Canyon National Park. "I looked at her pictures. She looks like such a nice person. I'm sorry to her family."Arizona resident, 59-year-old Maria Andrea Salgado Lopez, died Friday, July 3, after falling off a rim west of Mather Point. It's an area Lankford says can see hundreds of tourists at a time."That's often your first view of the Grand Canyon when you come," she added. "There's also a lot of what we call 'social paths,' where people are going your own way and trying to get a unique view or unique photo."Grand Canyon Park officials say Salgado Lopez was taking photos before she fell. Her body was discovered about 100 feet below the rim."It's really sad to go out there and think you're just going for a vacation and sightseeing, and you come back without your mom or your wife," said Miriam Weiner. She and her daughter were visiting the Grand Canyon for the first time when the woman fell to her death."I saw people out in that area start to hug each other, trying to comfort each other and shield them from what they were seeing," she added. "So, that told me this is really bad."Weiner started recording video shortly after the fall, where you can hear many screaming for help."I just feel really bad for the family," she said. "I've been thinking about what they must be going through and it just brings tears to my eyes."The National Park Service says they see an average of 12 deaths a year at the Grand Canyon, but not all related to falls. Others happen due to heat-related or medical issues. However, Lankford says despite safety measures and previous incidents, falls are not uncommon.She says park rangers aren't always available to watch over visitors either."Their staffing is low and it's a busy park," she said. "Rescue Rangers could very well be busy on another incident while you're at Mather Point, so there's rarely rangers that are standing there to warn you. That's why you have to take personal responsibility for your own safety."The National Park Service and the Coconino County Medical Examiner's office are investigating.This story was originally published by Nicole Valdes at KNXV. 2335

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