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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

INTERACTIVE MAPS: HILL & WOOLSEY FIRE | CAMP FIRECALABASAS, Calif. (KGTV) — The Woolsey Fire ripped through a Calabasas neighborhood late Friday night, causing panic to neighbors who tried to stay behind to protect their home."You got these firebombs falling down, and the wind is blowing them all this way," Allen Nelson described of palm fronds catching fire, raining down on homes causing them to go up in smoke.Neighbors told 10News the fire wasn't a steady line that inched closer, instead fueled by strong Santa Ana winds that brought embers skipping over roofs and lighting patches feet ahead of the fire line.RELATED: How to help California wildfire victimsThey said it felt like the fire leaped toward their neighborhood."A huge wall of flames, I had evacuated in a panic with my kids and my cats," Tina Leeney said."When it came that time, we didn't even have a minute and it was like oh my gosh and I got my parents out and I was like you have to leave," Nelson said.He stayed behind, determined to protect his parents' home, perched on his roof, garden hose at the ready.RELATED: Hollywood's Western Town at Paramount Ranch destroyed in Woolsey Fire"I at some point got off my roof, climbed up that Juniper tree that you can see so I could get my hose up on because the flames on her roof were this high," Nelson said, referencing about two feet between his hands.He called out to a firefighter nearby and pleaded for him to spray the corner of her house to extinguish the flame."He's totally my hero," Leeney said when she came back to check on the neighborhood and climbed onto his roof she heard what he'd done and started crying and thanking him.RELATED: Tips for navigating a wildfire evacuationHe was modest taking her appreciation, and while he was glad to help save his neighbors' homes on either side of his parents' home, he is devastated looking across the street."It's just heartbreaking," Nelson said with a sigh. 2016

It’s week one of pro football, during the second game of a doubleheader Monday night and fans are packed in at Society Sports and Spirits in Denver.Despite the hometown team being three point underdogs, many people hope they just cover the spread.“What we’ve known for a long time is Americans like to bet on sport,” said Casey Clark of the American Gaming Association.Clark says more than 33 million Americans will bet on professional football this year. After a recent Supreme Court ruling, gambling on games will be a lot easier.Sports betting is now legal in 18 states plus Washington, D.C.Clark says four other states have passed bills legalizing sports betting and he expects more to follow suit for financial reasons.“About 1 million has been generated in tax revenue across those states in that short amount of time,” he said. “So, you’ve seen significant uptick in opportunity for states and counties and local jurisdiction.”One state that’s seeing immediate pay off after legalizing sports betting in May, is Colorado.“Colorado has a 10 percent tax on the wins,” said Dan Hartman, director of the Colorado Division of Gaming. Hartman predicts legal sports betting will generate millions of dollars in tax revenue, and it has already created more jobs in a few months in Colorado.“One of the operators from Australia is they’re moving their entire North American headquarters to Denver -- bringing 200 jobs,” he said.Many fans are betting on games through apps on their phones.“It’s been a challenging few months with the COVID and tax receipts are down,” said Mike Raffensperger with FanDuel the largest online real money gaming company in the US.Raffensperger is now seeing more government leaders reach out about generating extra income through gambling.“We’ve been speaking with regulators and legislators around the country and they’re looking for new sources of tax revenue and they been seeing the success,” he said.Success so financially tempting that it could lead to more states betting on legal gambling to help financially during this worldwide pandemic. 2086

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

INTERACTIVE MAP: Where the Camp Fire is burning in northern CaliforniaPARADISE, Calif. (AP) — Not a single resident of Paradise can be seen anywhere in town after most of them fled the burning Northern California community that may be lost forever. Abandoned, charred vehicles cluttered the main thoroughfare, evidence of the panicked evacuation a day earlier.Most of its buildings are in ruin. Entire neighborhoods are leveled. The business district is destroyed. In a single day, this Sierra Nevada foothill town of 27,000 founded in the 1800s was largely incinerated by flames that moved so fast there was nothing firefighters could do.Only a day after it began, the blaze that started outside the hilly town of Paradise had grown on Friday to nearly 140 square miles (360 square kilometers) and destroyed more than 6,700 structures, almost all of them homes, making it California's most destructive wildfire since record-keeping began.Nine people have been found dead, some inside their cars and others outside vehicles or homes after a desperate evacuation that Butte County Sheriff Kory Honea called "the worst-case scenario." Their identities were not yet known."It is what we feared for a long time," Honea said, noting there was no time to knock on residents' doors one-by-one.With fires also burning in Southern California , state officials put the total number of people forced from their homes at more than 200,000. Evacuation orders included the entire city of Malibu, which is home to 13,000, among them some of Hollywood's biggest stars.President Donald Trump issued an emergency declaration providing federal funds for Butte, Ventura and Los Angeles counties. He later threatened to withhold federal payments to California, claiming its forest management is "so poor." Trump said via Twitter Saturday that "there is no reason for these massive, deadly and costly fires in California." Trump said "billions of dollars are given each year, with so many lives lost, all because of gross mismanagement of the forests. Remedy now, or no more Fed payments!"The fire in Paradise, about 180 miles (290 kilometers) northeast of San Francisco, was still burning out of control Friday.A thick, yellow haze hung in the air, giving the appearance of twilight in the middle of the day. Some of the "majestic oaks" the town boasts of on its website still have fires burning in their trunks. Thick wooden posts holding up guardrails continued to burn.Thursday morning's evacuation order set off a desperate exodus in which many frantic motorists got stuck in gridlocked traffic. Many abandoned their vehicles to flee on foot as the flames bore down on all sides."The fire was so close I could feel it in my car through rolled up windows," said Rita Miller, who fled Paradise with her disabled mother.The town, situated on a ridge between two valleys, was a popular retirement community, raising concerns of elderly and immobile residents who have been reported missing.On the outskirts of town, Patrick Knuthson, a fourth-generation resident, said only two of the 22 homes that once stood on his street are still there — his and a neighbor's."The fire burned from one house, to the next house, to the next house until they were pretty much all gone," Knuthson said. He worked side-by-side with neighbors all night, using a backhoe to create a fire line, determined not to lose his house this time."I lost my home in 2008, and it's something you can't really describe until you go through it," said Knuthson, who battled flames eight feet or taller as strong winds whipped hot embers around him. He worked so long in the flames and smoke that he needed to use oxygen Thursday night at his home, but he refused to leave.On Friday, Knuthson was covered from head to toe in black soot. His tiny town will never be the same, he said. The bucolic country landscape dotted with bay and oak trees will take years to recover.In the town's central shopping area, there was little left but rubble.St. Nicolas Church still stands, a rare exception. The nearby New Life church is gone. An unblemished Burger King sign rises above a pile of charred rubble. The metal patio tables are the only recognizable things under Mama Celeste's pizzeria sign. Only blackened debris remains behind the Happy Garden Chinese Restaurant sign touting its sushi. Seven burned out Mercedes chassis are all that's left of Ernst Mercedes Specialist lot.City Hall survived. But the Moose Lodge and Chamber of Commerce buildings didn't.The town's 100-bed hospital is still standing, but two of its smaller buildings, including an outpatient clinic, are flattened. The Adventist Feather River Hospital evacuated its 60 patients in a frantic rush when the evacuation order came Thursday morning. Some were forced back by clogged roads, but all of them eventually made it out, some in dramatic fashion.On the outskirts of Paradise, Krystin Harvey lost her mobile home. She described a town rich with historical charm, until a day ago."It was an old country town. It had the old buildings lined up along the walkway," she said. "Almost all businesses were locally owned and included an assortment of antique shops, thrift stores, small restaurants, two bars and lots of churches."Harvey wondered if the town's traditions would survive. The town was famous for the discovery of a 54-pound gold nugget in the 1800s, which eventually prompted a festival known as Gold Nugget Days. The highlight of the festival is a parade that features a Gold Nugget Queen."My daughter's going out for the gold nugget queen this year," said Harvey, then she paused. "Well, it's been going for 100 years, but we don't know — there's no town now."People in Paradise, like so many in California, have become accustomed to wildfires, and many said they were well prepared. They kept their gutters clean, some kept pumps in their swimming pools and had fire hoses. But the ferocity and speed of this blaze overwhelmed those preparations.Drought, warmer weather attributed to climate change and home construction deeper into forests have led to more destructive wildfire seasons that have been starting earlier and lasting longer.Just 100 miles north of Paradise, the sixth most destructive wildfire in California history hit in July and August and was also one of the earliest. Called the Carr Fire, near Redding, it killed eight people, burned about 1,100 homes and consumed 358 square miles (927 square kilometers) before it was contained.Paradise town Councilmember Melissa Schuster lost her 16-acre Chapelle de L'Artiste retreat, a posh property with a chapel, pond and pool. But Friday she was clinging to two furry glimmers of hope: Shyann and Twinkle Star Heart."Our llamas," she said. "Somehow they made it through."Schuster said they stopped trying to hook up a trailer for the animals and fled their home and property with just their three cats on Thursday when the day turned pitch black as fire roared in."It's Paradise," she said. "It's always been Paradise, and we will bring it back."___Associated Press writers Don Thompson in Chico and Jocelyn Gecker, Janie Har, Martha Mendoza, Daisy Nguyen, Olga R. Rodriguez and Sudhin Thanawala in San Francisco contributed to this report. Darlene Superville contributed from Paris. 7290

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