Due to the COVID-19 pandemic, banks and non-essential businesses across the country have closed due to social distancing and quarantine measures. While some bank locations may still be operating (they are considered essential businesses), taking health and safety precautions is more important than ever — and that may mean switching up how you interact with your bank or make purchases when running essential errands. Here are our tips for practicing social distancing while getting done what needs to be done.

Take advantage of online banking

This first tip may sound obvious to those who have grown up in the digital age, but online and mobile banking has become really sophisticated over the past five years. Through the website or app of most major banks, you can initiate online transfers, deposit checks, request checks, schedule appointments with specialists, chat with customer service over direct messages, flag fraudulent activity, and even open new accounts or credit cards.

You won’t need to leave your home to complete the most basic banking tasks. You can even order bills and coins for delivery or pickup, which is helpful if you spend money at a cash-only establishment or use coin-operated laundry machines.

Use a digital payment app

Instead of inserting your credit card into the chip reader or handing the card to a cashier, you can avoid this potential risk factor by using a contactless payment app, otherwise known as a digital payment app or mobile wallet. These apps let you pay with your phone without handling cards or even having them on your person. Apple Pay, Samsung Pay, and Google Pay (previously known as Android Pay) are the most popular and most widely adopted by retailers — a list that includes Target, Walgreens, and Costco. Many companies, like Walmart, Target, and Starbucks, even have their own mobile wallets, which come with exclusive coupons and deals.

To set up this “touch-and-go” payment system, you’ll need to download from your phone’s app store and load your credit card or debit card onto the app. Some phones offer shortcuts (in the form of app icons or button-presses) that allow you to pull up your payment information quickly — faster than it would take you to pull out your wallet. You just need to hold the top of your phone up to the card reader for the transaction to initiate.

Go to an ATM (safely)

Even if the bank branch may be closed, you may still be able to use the drive-through ATM, in case you need to deposit or withdraw cash. Check on your bank’s website to see if the drive-through is still open. If you use one, we recommend either wearing disposable gloves when touching the machine, wiping down the screen or keypad with disinfectant wipes, or thoroughly cleaning your hands with hand sanitizer after touching the machine and before washing your hands at home.

Regular ATMs are also fair game, though still subject to the hygienic measures above. A Capital One spokesperson told us, “Customers are able to access ATMs at any branch that is currently open. ATMs in external vestibules will continue to be accessible 24/7 as usual, even if the branch is closed. You can also access our ATMs at select Target locations.”

Schedule your appointment

Many banks will allow you to schedule phone calls or video conferences with bankers online or on the app, in order to keep you and the banker safe. However, if you absolutely must meet with your bank in person, then it becomes doubly important to schedule an appointment with a banker ahead of time. This reduces the amount of time you are waiting for someone to help you, limits the number of people in the bank at any given time, and ensures that staffing levels match the amount of traffic expected. Your bank, if following CDC protocols, should be cleaning common areas regularly, providing bankers with disinfectant wipes and hand sanitizer, and enforcing distance between personnel and customers.