In Ohio, many (maybe all?) libraries allow you to apply online for a virtual library card that can be used to check out ebooks/audiobooks/etc. A librarian reviews the application and approves or denies it within a day or so, and you get an email either way. No need to ever visit a library in person.

I'm not 100% sure that this was in place before COVID-19, but I think it was.

To check out physical books, you have to visit a library in person and upgrade the virtual library card to a physical library card.