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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 has been the biggest secret in American politics for weeks: Who will be Joe Biden's running mate? On Tuesday, Biden announced that Sen. Kamala Harris will be his running make this November. Harris formerly opposed Biden for the Democratic nomination, and could become the first ever woman elected in a US national election. Biden's pick was not leaked beforehand, marking a rare instance in the echo chamber of Washington where news spreads quickly.So how has Biden been able to keep this process such a secret? SMALL TEAMOne major reason is the fact that Biden had a small teaming vetting potential picks. Former Connecticut Sen. Chris Dodd, Delaware Rep. Lisa Blunt Rochester, Los Angeles Mayor Eric Garcetti and longtime Biden aide Cynthia Hogan served as co-chairs on the vetting committee.Former White House counsel Bob Bauer, campaign general counsel Dana Remus and former homeland security adviser Lisa Monaco also were involved. Beyond that however, many top advisers were not invited to vetting meetings. That prevented leaks. VIRTUAL MEETINGSMany of the contenders met with Joe Biden virtually. It's a lot easier to keep a meeting secret when it's not done face to face. The candidates, all women, also kept their interactions with Biden a secret. It wasn't until several days after that Michigan Governor's Gretchen Whitmer's meeting with Biden was revealed.AIRPORTSA popular past time for political journalists is to track private aircrafts flying into airports near Biden's home. In recent years, VP picks have all flown via private aircraft once they've been picked. Biden's home, however, is centrally located to around a dozen airports within a 2-hour drive. Philadelphia International Airport's private terminal is only a 25 minute drive from his house. 1783

INDIANAPOLIS -- No charges will be filed in the case of a 1-year-old who was severely injured while attending a day care on Indianapolis’ northeast side. A spokesperson with the Marion County Prosecutor’s Office said no charges will be filed in the case of Jesse Harris IV. Harris’ mother said she got a call from Kiddie Garden Daycare on April 30, which said her son had been injured by another child.Jesse had severe cuts, bruises, and a swollen face. Harris’ mother, Tiffany Griffin, said the day care claims Jesse was sleeping in a separate room with another child and when they went in to see him, they noticed the injuries. They believe the other child, a 2-year-old, must have hurt him.Prosecutor Terry Curry released the following statement:  773

Infrastructure spending going to be a hot topic in the upcoming midterm elections, with many asking, how are we going to pay to fix America’s aging roads?Correspondent Nicole Vowell traveled to Rhode Island, the smallest state with some of the biggest infrastructure problems.The tiny part of New England spans only about 1,500 square miles and is one of the oldest states. Combined with Rhode Island being nearly 33 percent water, the state is fighting a tough battle to keep roads and bridges intact.Casey Dinges, director of the American Society of Civil Engineers, says one in four of their bridges is structurally deficient. That means, he says, safety standards are ramped up."That bridge will be inspected every year, instead of the standard every two years,” explains Dinges of one of the bridges in the area.The Ocean State may be facing the most worries, but Dinges says, overall, the U.S. just isn't that structurally sound.Last year, Rhode Island earned a dismal D+ infrastructure rating."We've been deferring maintenance and under investing in our infrastructure for decades,” Dinges says of the rating.Of the nearly 800 bridges in the state, approximately 200 of them are considered structurally deficient, which is costing taxpayers millions of dollars to fix.Dinges says for every family in the U.S., it amounts to about per day.The overall goal, Didges says, is for federal and local government to get on board and invest over the next 10 years to upgrade America’s infrastructure."The allocations for what the state needs has not been enough,” Dinges says. 1585

ISLA, Mexico (AP) — Patience among 4,000 Central American migrants appeared to be wearing thin on Saturday, as exhausted members of the caravan journeying toward the United States openly disagreed with organizers who are shepherding the group through southern Mexico.Several thousand migrants opted to rest in the towns of Juan Rodriguez Clara, Veracruz and Isla, Veracruz, which are about 40 miles (64 kilometers) from their previous rest stop in Sayula. Another contingent splintered off by hitchhiking rides and walking to Tierra Blanca, Veracruz, which lies about 80 extra miles (128 kilometers) to the north.Many said they no longer had faith in those organizing the large group after confusion broke out regarding buses that would have taken migrants on a route to Mexico City.On Friday, Veracruz Gov. Miguel Angel Yunes reneged on a brief offer to provide transportation, saying that it would not be correct to send the migrants because Mexico City's water system was undergoing maintenance and 7 million of its people would be without water over the weekend.In the lapse between his decisions, organizers told members of the caravan that buses would indeed be available, causing some migrants to go to sleep with the impression that they should wake up early to stake out a place in line.Human rights activist Ernesto Castaneda said there's still a possibility that bulk transportation will be arranged Saturday.But as migrants struggle with exhaustion, blisters, sickness, and swollen feet hundreds of miles from the closest U.S. border, tempers flared within their ranks."People are mad and confused," said Saira Cabrera, a 36-year-old traveling with her husband and two children aged 7 and 13.Gerardo Perez, a 20-year-old migrant, said he was tired."They're playing with our dignity. If you could have only seen the people's happiness last night when they told us that we were going by bus and today we're not," he said.It remained to be seen if the group would stick together and continue employing the 'strength in numbers' strategy which has enabled them to mobilize through Mexico and inspire subsequent migrant caravans to try their luck.On Friday, another caravan — this time from El Salvador — waded over the Suchiate River into Mexico, bringing 1,000 to 1,500 people who want to reach the U.S. border.That caravan initially tried to cross the bridge between Guatemala and Mexico, but Mexican authorities told them they would have to show passports and visas and enter in groups of 50 for processing.The Salvadorans opted instead to wade across a shallow stretch of the river to enter Mexico. Police in the vicinity did not try to stop the migrants, who later walked along a highway toward the nearest large city, Tapachula.Mexico is now faced with the unprecedented situation of having three caravans stretched out over 300 miles (500 kilometers) of highways in the states of Chiapas, Oaxaca and Veracruz, with a total of more than 6,000 migrants.The first, largest group of mainly Honduran migrants entered Mexico on Oct. 19. The caravan has shrunk to less than 4,000 migrants, although it has become difficult to give exact numbers as migrants advance toward small towns any way they can.Another caravan, also of about 1,000 to 1,500 people, entered Mexico earlier this week and is now in Mapastepec, Chiapas. That group includes Hondurans, Salvadorans and some Guatemalans.Mexican officials appeared conflicted over whether to help or hinder their journeys.In the smaller caravans, immigration agents and police have at times detained migrants. There has also been pressure on the main caravan, with federal police pulling over freight trucks and forcing migrants off, saying that clinging to the tops or sides of the trucks was dangerous.But several mayors have rolled out the welcome mat for migrants who reached their towns - arranging for food and camp sites. Mexico's Interior Department says nearly 3,000 of the migrants in the first caravan have applied for refuge in Mexico and hundreds more have returned home.With or without the government's help, uncertainty awaits.President Donald Trump has ordered U.S. troops to the Mexican border in response to the caravans. More than 7,000 active duty troops have been told to deploy to Texas, Arizona and California.Trump has also told the U.S. military mobilizing at the southwest border that if U.S. troops face rock-throwing migrants, they should react as though the rocks were rifles. He plans to sign an order next week that could lead to the large-scale detention of migrants crossing the southern border and bar anyone caught crossing illegally from claiming asylum.Though some migrants clashed with Mexican police at a bridge on the Guatemala border, they have repeatedly denied coming with any ill intentions, saying they're fleeing poverty and violence."We aren't killers," said Stephany Lopez, a 21-year-old Salvadoran with the first caravan. 4935