Immigration
Find the 100 official USCIS civics questions for the U.S. citizenship exam, translated into Spanish and organized by category. Includes study tips and preparation guidance.
8 min read

14 May 2026

Reaching the point where you're preparing for the citizenship exam is already a major milestone. It reflects time, effort, and a commitment to building your future in the United States.
In this guide, you'll find the 100 civic questions for the U.S. Citizenship exam provided by the U.S. Citizenship and Immigration Services (USCIS), the government agency that reviews and processes citizenship applications. These are the questions from the civics test, translated into Spanish with their answers and organized by category aimed to support you while you prepare. The exam is administered by USCIS and is oral, not written. You'll be asked up to 10 questions out of the 100.
The U.S. citizenship exam generally consists of two parts, an English test and a civics test. Understanding how each one of them works could make the process feel more manageable. The English evaluation is conducted through an interview, in which an officer evaluates your English language skills through simple speaking, reading, and writing exercises. In the civics portion, the officer asks up to 10 questions out of a list of 100. They are about U.S. history, government, geography and holidays. To pass the test you must answer at least 6 of them correctly. It is important to consider that this entire part of the exam is oral.
If you do not pass a section the first time, you will usually have a second opportunity to retake the failed portion within 60 to 90 days. To start the application for citizenship, you must submit a form called Form N-400, which is the official application for naturalization, and as of 2026, the filing cost is $760, however, fees are subject to change.
If you are 65 or older and have been a permanent resident for at least 20 years, you may qualify to take the civics test in Spanish. This special rule, provided by USCIS, is designed to make the process more accessible for long-term residents. In this case, you do not need to study all 100 questions, you only need to study 20 of the 100 questions. In our list we will mark them with an asterisk (*). It is recommended to always consult and review the specific requirements of your own case with the corresponding authorities.
Here you will find the 100 official questions that USCIS may ask you during your citizenship exam, along with their answers in Spanish. However, keep in mind that the actual interview is conducted in English, unless you qualify for an exemption.
1. What is the supreme law of the land?
2. What does the Constitution do?
3. The idea of self-government is in the first three words of the Constitution. What are these words?
4. What is an amendment?
5. What do we call the first ten amendments to the Constitution?
6. What is one right or freedom from the First Amendment?*
7. How many amendments does the Constitution have?
8. What did the Declaration of Independence do?
9. What are two rights in the Declaration of Independence?
10. What is freedom of religion?
11. What is the economic system in the United States?*
12. What is the "rule of law"?
13. Name one branch or part of the government.*
14. What stops one branch of government from becoming too powerful?
15. Who is in charge of the executive branch?
16. Who makes federal laws?
17. What are the two parts of the U.S. Congress?*
18. How many U.S. Senators are there?
19. We elect a U.S. Senator for how many years?
20. Who is one of your state's U.S. Senators now?*
21. The House of Representatives has how many voting members?
22. We elect a U.S. Representative for how many years?
23. Name your U.S. Representative.
24. Who does a U.S. Senator represent?
25. Why do some states have more Representatives than other states?
26. We elect a President for how many years?
27. In what month do we vote for President?*
28. What is the name of the President of the United States now?*
29. What is the name of the Vice President of the United States now?
30. If the President can no longer serve, who becomes President?
31. If both the President and the Vice President can no longer serve, who becomes President?
32. Who is the Commander in Chief of the military?
33. Who signs bills to become laws?
34. Who vetoes bills?
35. What does the President's Cabinet do?
36. What are two Cabinet-level positions?
37. What does the judicial branch do?
38. What is the highest court in the United States?
39. How many justices are on the Supreme Court?
40. Who is the Chief Justice of the United States now?
41. Under our Constitution, some powers belong to the federal government. What is one power of the federal government?
42. Under our Constitution, some powers belong to the states. What is one power of the states?
43. Who is the Governor of your state now?
44. What is the capital of your state?*
45. What are the two major political parties in the United States?*
46. What is the political party of the President now?
47. What is the name of the Speaker of the House of Representatives now?
48. There are four amendments to the Constitution about who can vote. Describe one of them.
49. What is one responsibility that is only for United States citizens?*
50. Name one right only for United States citizens.
51. What are two rights of everyone living in the United States?
52. What do we show loyalty to when we say the Pledge of Allegiance?
53. What is one promise you make when you become a United States citizen?
54. How old do citizens have to be to vote for President?*
55. What are two ways that Americans can participate in their democracy?
56. When is the last day you can send in federal income tax forms?*
57. When must all men register for the Selective Service?
58. What is one reason colonists came to America?
59. Who lived in America before the Europeans arrived?
60. What group of people was taken to America and sold as slaves?
61. Why did the colonists fight the British?
62. Who wrote the Declaration of Independence?
63. When was the Declaration of Independence adopted?
64. There were 13 original states. Name three.
65. What happened at the Constitutional Convention?
66. When was the Constitution written?
67. The Federalist Papers supported the passage of the U.S. Constitution. Name one of the writers.
68. What is one thing Benjamin Franklin is famous for?
69. Who is the "Father of Our Country"?
70. Who was the first President?*
71. What territory did the United States buy from France in 1803?
72. Name one war fought by the United States in the 1800s.
73. Name the U.S. war between the North and the South.
74. Name one problem that led to the Civil War.
75. What was one important thing that Abraham Lincoln did?*
76. What did the Emancipation Proclamation do?
77. What did Susan B. Anthony do?
78. Name one war fought by the United States in the 1900s.*
79. Who was President during World War I?
80. Who was President during the Great Depression and World War II?
81. Who did the United States fight in World War II?
82. Before he was President, Eisenhower was a general. What war was he in?
83. During the Cold War, what was the main concern of the United States?
84. What movement tried to end racial discrimination?
85. What did Martin Luther King, Jr. do?*
86. What major event happened on September 11, 2001, in the United States?
87. Name one American Indian tribe in the United States.
88. Name one of the two longest rivers in the United States.
89. What ocean is on the West Coast of the United States?
90. What ocean is on the East Coast of the United States?
91. Name one U.S. territory.
92. Name one state that borders Canada.
93. Name one state that borders Mexico.
94. What is the capital of the United States?*
95. Where is the Statue of Liberty?*
96. Why does the flag have 13 stripes?
97. Why does the flag have 50 stars?*
98. What is the name of the national anthem?
99. When do we celebrate Independence Day?*
100. Name two national U.S. holidays.
During the civics portion, an officer from USCIS will ask up to 10 questions out of a list of 100. You need to answer at least 6 correctly to pass this part of the test.
The exam is conducted in English, including both the English and civics portions. However, applicants who qualify for the 65/20 exemption can take the civics test in Spanish. Make sure you verify if the exemption applies in your specific case with the corresponding authorities.
If you fail either the English or civics section, you are given a second opportunity to retake the part you did not pass. This second interview typically takes place within 60 to 90 days.
The exam itself does not have a separate fee, but it is included in the naturalization application. As of 2026, the cost to file Form N-400 is $760, though it's always a good idea to verify updates directly with USCIS.
The list of questions is updated occasionally by USCIS. The current version is based on the reinstated 2008 civics test, which remains the standard as of 2026.
Yes, many applicants study the questions in Spanish to better understand the content. However, the actual exam is conducted in English unless you qualify for an exemption like the 65/20 rule.
Preparing for the citizenship test doesn't have to feel overwhelming. Approaching it with a plan and consistency could be the key for a smoother experience. Here are some general tips we've enlisted for preparing for your citizenship exam:
Study by category, avoid trying to learn all of them at once.
Break the 100 questions into topics like history, government, and geography. This makes it easier to understand patterns instead of trying to memorize everything in one go.
Practice your answers out loud.
The exam is oral, so it's important to get comfortable saying your answers, not just recognizing them. This helps with confidence during the interview.
Start with questions that change.
Aim to focus first on answers that can vary, like the current president or your state's senators. Learning these early helps you avoid confusion later in the process.
Use flashcards and try to study with someone.
Flashcards are a great tool for repetition and reinforcing memory. If possible try practicing with a friend or family member to simulate the real experience of being asked questions.
Don't panic if you don't know everything.
You don't need a perfect score. You only need to answer 6 out of 10 questions correctly, so focus on being consistent, not perfect.
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Común aims to support the Latino community in the United States. It offers a debit account that can be opened with more than 100 valid Latin American IDs and an app available in Spanish.
Visit Común's website or download the app for free to learn more about the full offer and applicable terms.

Olivia Rhye
Community Partner

Immigration
8 min de lectura
Have you just obtained your permanent residence in the United States? Without a doubt, it’s a great achievement for every immigrant who has gone through the immigration process for a long time, though it also comes with a series of responsibilities and restrictions.
A recurring issue within the immigrant community is the general lack of awareness about the risks that can affect their legal status if they don’t act appropriately in the country.
In this article, we aim to keep you informed about these restrictions and provide practical advice to maintain your permanent residence smoothly.
The first thing you should understand is that being a resident is not the same as being a U.S. citizen, as there are clear legal differences that set them apart.
These are the main restrictions you should keep in mind.
Unlike U.S. citizenship, permanent resident status does not grant the right to participate in federal or state elections, which is a disadvantage in exercising voting rights.
Although permanent residents can work for the U.S. government, some positions are only available to citizens, particularly those related to national security or public trust roles.
While obeying the law is mandatory regardless of your immigration status, it’s important to remember that committing crimes such as fraud or drug trafficking can lead to the revocation of your Green Card.
One of the key requirements you must keep in mind from the moment you began your Green Card process is the obligation to maintain continuous residence in the United States before and after approval.
Keep these risk scenarios in mind to avoid problems with U.S. immigration authorities.
It is advisable to plan your trips abroad in advance and, if necessary, obtain a reentry permit before leaving. Also, stay up to date with your tax payments and seek legal advice if needed.
One of the main advantages of having a Green Card is the ability to sponsor family members for the same status. However, unlike U.S. citizens, residents have access to limited eligibility categories.
Although permanent residence offers certain benefits for holders, these restrictions can be frustrating for immigrants seeking family reunification hindered by regulations.
It’s true that there are risks that can lead to losing your permanent residence, but most can be avoided with good practices and responsibility.
Keep these tips in mind to avoid problems with the U.S. government.
Stay current with your annual tax filings; remember that the deadline is usually April 15 each year. It is essential to meet this requirement, even if you spend time outside the country, to demonstrate your responsibility as a permanent resident.
It is essential that your main residence is in the United States and that you can show clear ties in the country, such as work, studies, or family.
As mentioned before, being away for more than 6 months may be interpreted as abandoning permanent residence. Try to leave the country only in emergencies, after applying for Form I-131.
After 5 years as a permanent resident without extended absences and meeting other legal requirements, you can apply for citizenship and remove these restrictions.
Although naturalization is a long process with several steps, it is the most practical path to long-term stability in the country and full rights.
In this article, we explained the “fine print” of the permanent resident card, showing you the risk factors that could lead to losing your status, as well as its benefits.
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If you still have questions, check the following section.
The Green Card, or permanent resident card, is the physical document that certifies that a person holds lawful permanent residence. Residency, on the other hand, is the status granting the right to remain in the country indefinitely.
The Green Card is valid for 10 years and can be renewed indefinitely as long as requirements are met. For conditional residency, it lasts 2 years, after which you must apply to remove the condition to renew it for 10 years.
If you don’t renew your permanent residence, your status remains valid, but you might face issues reentering the country, at work, or when handling legal procedures. It’s best to keep this document current to avoid complications.

Immigration
8 min de lectura
Obtaining permanent residence is the goal of millions of immigrants in the United States. The EB-2 visa is one of the most feasible paths to achieve it, since it not only grants the applicant the right to work legally, but to do so within their area of professional expertise.
This type of visa is intended to facilitate immigration for people with advanced university degrees or demonstrable exceptional ability.
If you have a professional career and several years of experience, you may qualify to obtain a Green Card through the EB-2 visa and gain strong job opportunities and stability in the U.S.
Below we explain the requirements to obtain the EB-2 visa, the differences between eligibility categories, and the step-by-step process to secure the pathway that could completely change your working life.
There are several categories of work visas that can lead to a Green Card. One of them is the EB-2.
There are two routes to obtain this visa:
Requires a U.S. employer to file through a process called PERM Labor Certification, which demonstrates the need for a foreign worker due to an insufficient number of qualified U.S. workers.
Employer involvement is not required; it can be filed as a self-petition showing the work has significant impact or is in the national interest of the United States.
This visa is aimed at professionals with advanced degrees in various fields or with exceptional ability.
The main advantages of the EB-2 over other visas are:
Understanding immigration procedures and visa application processes can be confusing because of the different categories and specific requirements for each.
Below is a comparison table of the EB-2, EB-3, and EB-5 visas.
EB-2 | EB-3 | EB-5
Approximate processing time with sponsor: at least 12–18 months. With NIW the time may be somewhat shorter. | About 1 to 3 years. | EB-5 processing times vary widely; consult USCIS directly.
Who can apply? Professionals with an advanced degree or exceptional ability. Applicants with skills of national interest. | Skilled workers Professionals with a bachelor’s degree Other workers | Foreign investors who make a minimum investment in a U.S. business and create at least 10 jobs.
Purpose of the visa Obtain permanent residence based on professional merit. NIW allows self-petition. | Obtain permanent residence for skilled workers or professionals. | Obtain permanent residence in exchange for a significant financial investment.
Approximate costs Form I-140: $715 Form I-485 (adjustment of status): $1,440 Consular processing: $325. | Same as EB-2 | $1.8 million standard investment. $900,000 reduced investment if the project is in a TEA area. Form I-526 / I-526E: $11,160 + $100 if investing via a Regional Center.
Main requirements With sponsor: employer files PERM and then Form I-140NIW: show work of national interest. | PERM approved by DOL Employer must file Form I-140Meet additional requirements for other workers. | Proof of lawful, traceable investment in at least the minimum amount. Evidence of creation or preservation of at least 10 jobs. Enter as a conditional resident. File Form I-829 to remove conditions.
| EB-2 | EB-3 | EB-5 | |
|---|---|---|---|
| Approximate processing time |
With sponsor: at least 12–18 months. With NIW the time may be somewhat shorter. |
About 1 to 3 years. | EB-5 processing times vary widely; consult USCIS directly. |
| Who can apply? |
Professionals with an advanced degree or exceptional ability. Applicants with skills of national interest. |
Skilled workers Professionals with a bachelor’s degree Other workers |
Foreign investors who make a minimum investment in a U.S. business and create at least 10 jobs. |
| Purpose of the visa |
Obtain permanent residence based on professional merit. NIW allows self-petition. |
Obtain permanent residence for skilled workers or professionals. | Obtain permanent residence in exchange for a significant financial investment. |
| Approximate costs |
Form I-140: $715 Form I-485 (adjustment of status): $1,440 Consular processing: $325. |
Same as EB-2 |
$1.8 million standard investment. $900,000 reduced investment (TEA area). Form I-526 / I-526E: $11,160 + $100 (Regional Center cases). |
| Main requirements |
With sponsor: employer files PERM and then Form I-140. NIW: show work of national interest. |
PERM approved by DOL. Employer must file Form I-140. Meet additional requirements for other workers. |
Proof of lawful, traceable investment of the minimum amount. Evidence of creation or preservation of at least 10 jobs. Enter as a conditional resident. File Form I-829 to remove conditions. |
It’s important to stress that applicants must meet specific requirements to obtain the EB-2 visa in any of its modalities.
These are requirements you cannot overlook:
Holding an advanced degree is the most common way to obtain an EB-2 visa.
Another alternative is to demonstrate exceptional ability in fields such as the arts, sciences, business, or others.
This means reaching a level of expertise significantly above ordinary. It must be shown with at least 3 types of documentary evidence:
Allows applying without a sponsor or labor certification.
These are the 3 criteria for the EB-2 NIW, according to USCIS:
This visa is widely used by researchers, physicians, businesspeople, and entrepreneurs who can contribute significantly to U.S. society.
Below are the key steps to obtain the EB-2 visa.
First, determine which subcategory fits your profile—advanced degree, exceptional ability, or NIW. Assess your background and each category’s characteristics to decide where to apply.
Generally, you will file Form I-140, which the employer or the applicant (in the case of NIW) uses to start the visa process.
For adjustment of status, file Form I-485 if the applicant is in the U.S. Otherwise, proceed via consular processing with the DS-260.
USCIS or the consulate will likely require an interview to verify your information and ask questions related to your profile. Once approved, the applicant ultimately obtains lawful permanent residence.
In this article, we reviewed what the EB-2 visa is, the requirements to apply, the sponsorship or NIW options, and the key steps in the process.
Although it may seem confusing or endless, it is also a step toward living and working legally in the U.S. and obtaining a residence card.
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If you still have questions, see this section:
If your petition is approved, you can include your spouse and unmarried children under 21.
You can file an appeal or start a new application.

Immigration
8 min de lectura
If you’re looking for a feasible way to live and work in the United States, you should know the details of the EB-3 visa, a permit that offers skilled workers, professionals, and other unskilled workers the possibility of accessing various job opportunities in the country.
This visa is the most common route to live and work legally in the U.S. because, unlike the EB-2, it covers a broader range of profiles. It also facilitates obtaining permanent residence.
The application process is often somewhat confusing and slow. Therefore, here we explain what the EB-3 visa is, its requirements, the employer’s role, benefits, processing time, costs, and the step-by-step process to apply.
The EB-3 is a visa category for obtaining a Green Card through authorization granted to foreign workers who have a job offer issued by a U.S. employer.
In turn, this visa is divided into three main categories:
For any of these subcategories, the employer plays a central role by filing the labor certification (PERM) with the Department of Labor to show that no U.S. workers are available to fill the job.
The EB-3 visa has specific requirements depending on the subcategory. Below is a comparative table.
| Requirements | Employer’s role |
|---|---|
| Skilled workers At least 2 years of work experience or specialized training. |
Prove that the position requires at least 2 years of experience or training. |
| Professionals University degree equivalent to a U.S. bachelor’s. |
Show that the position requires a bachelor’s and that the candidate meets it. |
| Other (unskilled) workers Less than 2 years of work experience. Ability to perform labor-intensive tasks. |
Indicate via PERM that the position requires under 2 years of experience and is not temporary or seasonal. |
Regardless of subcategory, a permanent job offer in the United States is always required. The employer must also complete DOL-approved labor certification showing the need to hire a foreign worker for the position.
Next, Form I-140 (Immigrant Petition for Alien Worker) is filed, in which the employer asks USCIS to classify the worker under an EB-3 category.
For example, if a medical practice needs a physician, it files Form I-140 to substantiate the candidate’s experience.
Obtaining an EB-3 work visa brings several advantages not only for the applicant but also for their family, for example:
An EB-3 visa allows you to secure lawful employment with a U.S. company, helping you achieve financial stability and a better quality of life for your family.
The EB-3 is also a route for your immediate family to obtain a family-based Green Card, allowing you and your family to live legally in the United States.
Building a life in the United States brings benefits such as access to higher wages, a broader job market, education for your children, Social Security, and more. This enables long-term financial planning to acquire property and services needed for your family’s well-being.
First determine which of the three categories fits your profile and verify that you meet the requirements based on your education level, work experience, and the type of job you’re applying for.
The employer must then file the labor certification (PERM) with the Department of Labor (DOL) to show no U.S. workers are available for the position and that the offered wage meets legal standards. This step is essential; without approval the process cannot proceed.
Once PERM is approved, the employer must file the I-140 petition with USCIS to confirm the job relationship and the company’s financial ability to pay the worker’s wage.
After I-140 approval, wait for visa availability in the Visa Bulletin, then proceed accordingly:
Here we’ve shown what the EB-3 visa is, the requirements for each subcategory, the benefits, and the application process.
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If you still have questions, see this section.
The timeline varies with workload, but the full process is estimated at roughly 1 to 3 years.
You can include your spouse and unmarried children under 21 to apply for residence as derivative beneficiaries and obtain the Green Card at the same time.
Yes, the EB-3 always requires a job offer, unlike the EB-2 NIW subcategory.

Immigration
8 min de lectura
The United States offers a wide variety of visas to include as many profiles as possible that can contribute their knowledge to the country.
One example is the O1 visa, intended for foreign nationals who possess extraordinary abilities in fields such as science, sports, and the arts.
This visa has very specific criteria. Therefore, in this article, we explain the requirements established by the U.S. government to obtain it, the classification of O1 visa types, and the documents required during the application process.
If you are looking for an alternative to obtain a work visa in a highly competitive field, the O1 visa could open the door to a new life.
The O1 is a U.S. nonimmigrant visa aimed at foreign nationals with extraordinary abilities or outstanding achievements in specific areas.
The concept of “extraordinary ability” can seem a bit ambiguous, but in this context, USCIS refers to individuals who have reached such a level of excellence in their field that they have verifiable national or international recognition.
This visa is divided into two main categories:
For individuals with extraordinary achievements in science, education, business, or athletics.
For individuals with extraordinary ability in the arts, motion picture, or television industry.
As you can see, it is an immigration document that demands a high level of achievement from applicants in specific areas of work.
To qualify for an O1 visa, applicants must meet a series of requirements established by USCIS.
Below are the main requirements for the two categories of this visa.
Applicants with outstanding achievements in science, education, business, or athletics must demonstrate they meet the following eligibility criteria:
Applicants with outstanding achievements in the arts, film, or television industry can demonstrate eligibility if they meet the following requirements:
It is important to note that it is not necessary to meet all these requirements, but the more criteria the applicant fulfills, the easier it will be to obtain the visa.
In both cases, applicants must have a job offer or a sponsor in the United States.
In addition to meeting the criteria, the applicant must have the following documents to prepare a complete application.
This form must be filed by the U.S. employer or agent and should include the following details:
This letter is essential to support the applicant’s experience in their field. It must be issued by a group of peers, a union, or an expert entity.
It is a document signed by the applicant and the employer that sets out the terms and conditions of employment, responsibilities, and duration.
Additionally, the previously mentioned requirements can be supported with the following documentation:
If you have any doubts about your application process, consult an immigration attorney who can help you determine whether your profile fits this type of visa, which is often considered an elite category. Keep in mind that there are other options such as the EB-1 and H-1B visas.
In this article, we explained that the O1 is the visa for individuals with extraordinary abilities, aimed at people with outstanding performance in science, sports, and the arts. We also covered the approval requirements and documentation needed to demonstrate that you belong to the groups covered by this work authorization.
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No, the O1 visa always requires a sponsor to initiate the process. This sponsorship may be provided by a U.S. employer or an agency that acts as an intermediary between the applicant and contractors in the United States.
Although this visa cannot be self-petitioned, there is an option to hire an agent to submit the initial petition.
The most common investor visa is the EB-5, which requires a minimum investment of $1,050,000 if the investment is made in a rural area or one with high unemployment.
A key requirement is that the project must create or maintain at least 10 full-time jobs in the United States.
Another investor visa option is the E-2, or treaty investment visa, which does not require a fixed amount but requires the applicant to prove that the investment is large enough to generate a positive impact.
The documents that usually carry the most weight for O1 visa approval are those that demonstrate sustained and verifiable recognition.
For example:
Although it is not necessary to present all these documents, the more evidence there is, the greater the chances of approval.
The initial duration is 3 years, depending on the project. Extensions of 1 year can be requested as long as the requirements continue to be met.

Immigration
8 min de lectura
Obtaining a Green Card or permanent residence is one of the most important steps a migrant can take in the United States, as it allows them to reside and work legally and access the same benefits as a U.S. citizen.
If you already have your permanent resident card in hand, congratulations! The next step is to stay alert to renewal, since it is crucial for maintaining your legal status and keeping the benefits it provides.
If you have had your green card for several years, it is even more important to be clear on the requirements, costs, and procedures needed to renew it and thus avoid any setbacks that could cause problems related to your immigration status.
In this article we provide an overview of the process, including key aspects such as how much it costs to renew permanent residence, the requirements, Green Card validity, and everything you need to know to comply on time and in proper form with U.S. immigration authorities.
The first thing to know is that there are two types of residence: permanent and conditional. These are the main differences:
These are the eligibility criteria for both types of residence.
To obtain permanent resident status, your profile must fit one of the eligibility categories and meet the requirements set by USCIS (U.S. Citizenship and Immigration Services).
It is divided into two subcategories:
There are five employment-based residence categories:
People who entered the United States through an asylum petition, and their family members, may apply for permanent residence after completing at least 1 year in the country.
This category includes people who have been victims of abuse by U.S. citizens (VAWA visa) and minors who have been harmed and/or abandoned by their parents (SIJ visa).
This category includes the Diversity Visa or Green Card Lottery, an annual drawing with up to 50,000 consular interview slots, as well as special provisions for Cuban citizens and other nationalities.
Conditional residence, in most cases, is valid for 2 years. Then it is necessary to file the petition to remove conditions within the 90 days prior to expiration.
Currently, there are three ways to complete the renewal process to obtain a new resident card.
The easiest way is through the USCIS website, since you can do it anywhere and at any time of day. You only need to create an account, upload your documents, and track your status.
Another alternative is to mail Form I-90 to the USCIS office. It is advisable if you prefer handling physical documents, although processing time is usually longer.
You can also apply in person, though it is limited to exceptional cases such as humanitarian emergencies or technical issues. It is suitable if you urgently need USCIS guidance; otherwise, the recommended route is through the website.
These are the documents you must attach to your renewal application, regardless of the method you use.
Most residents must pay a filing fee when applying to renew the card.
The current cost to file Form I-90 for Green Card renewal is:
In some cases, you may be required to provide biometrics (fingerprints, photo, and signature), but since 2024 there is no longer a separate fee.
It is very important to complete the process in time to obtain a new permanent resident card. Although expiration of your card does not mean you will automatically lose permanent residence, you could face a number of issues with U.S. authorities, for example:
In many states, a valid Green Card is required as proof of legal residence when issuing or renewing a driver’s license.
Various public services and state and local programs may request a valid Green Card as proof of eligibility. Otherwise, they may request additional documents and delay processing.
It is also common for financial institutions to request valid proof of status when processing applications to open a bank account or obtain a credit card.
In such cases, you can present your Form I-90 receipt number or other identity documents, such as a valid passport and Social Security number.
If your Green Card expires while you are outside the U.S., you may have problems with the authorities upon reentry, because U.S. immigration laws require proof of status.
In this case, you will need to request a reentry permit via Form I-131 or an ADIT stamp in your passport.
If you plan to be outside the United States for an extended period, consider applying for a reentry permit even if your expiration date is not near. This will help you avoid problems or delays when reentering.
To work legally in the United States, employers must present proof of eligibility along with Form I-9. When a Green Card expires, it is no longer considered valid proof.
In this case, you may present the Form I-90 receipt as temporary proof. If the employer does not accept it, you can contact USCIS directly or seek advice from an immigration attorney.
To avoid greater complications at work and in other aspects of your life, it is best to keep your Green Card expiration date top of mind and start the renewal process at least 6 months in advance.
As you can see, renewing the Permanent Resident Card is fundamental to maintaining legal status and the rights it provides. Therefore, it is essential to understand the requirements, costs, and procedures clearly so you can approach the process with greater confidence and efficiency.
Always remember to stay informed about available options, such as fee waivers, and to follow the established steps to ensure successful renewal of your Green Card.
Making the payments for your immigration process can be challenging if you don’t have the right financial tools. That’s what Común is for!
Común is a financial platform that addresses day-to-day needs in the United States through an easy-to-use mobile app, where you can open an account with qualifying official identification from your country of origin.
It also offers remittance services to several countries, with competitive fees that help you save. Discover Común, an excellent option dedicated to serving immigrant communities in the United States, with support available in Spanish.
Haven’t tried Común yet? Open your account today and discover a reliable option to manage your money in the U.S. safely and efficiently.
If you still have questions, consult our FAQs.
USCIS allows you to file Form I-90 up to 6 months before your Green Card’s expiration date.
Renewal times vary widely depending on the service center, application volume, and whether there are errors to resolve. A routine renewal takes around 2 months; in cases of theft or loss, it can exceed 20 months. However, note that for most permanent residents the process tends to take between 7 and 11 months.

Immigration
8 min de lectura
Getting a stable and well-paid job is the main goal of thousands of immigrants who come to the United States in search of a better quality of life.
For this reason, it’s essential to have an optimized resume (“CV”) that summarizes personal information, work experience, academic background, and all relevant details for recruiters and hiring managers.
You’ve probably faced the challenge of writing and refining a CV to apply for a job in your home country.
However, knowing the standards in Latin America is not enough, as U.S. resumes have key differences, such as length and focus on measurable results.
Mastering a new resume format can be challenging, and the process can be frustrating if you don’t hear back after sending multiple applications.
This doesn’t necessarily mean you lack the required skills — your resume might simply need some adjustments to get noticed by U.S. recruiters.
In this article, we aim to make the process easier for immigrant job seekers through a complete guide and sample resumes that will help you create your own by the end of the reading.
Even if you know how to write a resume in Latin America, it’s essential to understand the key differences compared to the U.S. standard.
Here are the main differences between a professional CV in Latin America and a U.S. resume.
In Latin America, it’s common to see two-page CVs, while the American resume is usually limited to one page.
U.S. recruiters look for quantifiable data and measurable results, while in Latin America it’s more common to include task descriptions and responsibilities.
To prevent discrimination, U.S. resumes do not typically include a photo, age, or nationality.
The use of ATS (Applicant Tracking Systems) to detect keywords is widespread among U.S. companies.
While Latin American CVs often use colorful or elaborate designs, U.S. recruiters prefer minimalist formats to make information easier to read.
Understanding these differences is crucial for immigrants, as it increases the chances of being considered by both recruiters and automated systems.
Here’s a step-by-step guide to writing a strong U.S. resume that passes ATS filters and captures recruiters’ attention.
Avoid flashy designs, as they can make reading difficult and hurt your ATS score. Choose a clean, organized, and easy-to-scan format.
Include your full name, U.S. phone number, professional email address, and LinkedIn profile link.
Remember that you do not need to include a photo, date of birth, or marital status.
Your profile should be concise and include relevant keywords. This section should be a short paragraph summarizing your work history, interests, achievements, and career goals.
It’s essential to list your work experience clearly and in chronological order.
To write your professional achievements, use the XYZ formula, structured as follows:
For example:
“Improved the brand’s visual identity through an e-commerce rebranding project, reducing cart abandonment by 50%.”
List your academic background, including institution name, degree, and attendance dates.
The skills section is key to making your resume stand out.
It’s recommended to separate this section into soft skills and technical skills.
Depending on the vacancy and your profile, you can include additional sections, such as languages, certifications, or volunteer experience.
This information can set you apart from other candidates, as it gives you additional skills that could be relevant to the position.
Here’s an example of how an optimized resume should look, according to U.S. company standards.
On this page, you can download CV templates in English to customize yours according to your experience.
The last step is to adapt this example to your own professional profile and career path, which may differ depending on whether you are a recent graduate or already have experience.
Here are some things to avoid when writing your resume.
Having a strong resume is key to successfully entering the U.S. job market.
Just as a resume opens the door to great job opportunities, Común opens the door to financial stability for immigrants.
Discover Común, the option designed to serve the needs of immigrant communities in the U.S., with service available in Spanish.
Discover All the Benefits of Común!
Discover Común, the option dedicated to meeting the needs of immigrant communities in the United States with services available in Spanish.
If you still have questions, check out the next section.
It’s not necessary to include references in your resume, as companies usually request them later in the hiring process.
The 3 most important details are: contact information, professional experience, and skills.
The resume format used in the U.S. is becoming common in other countries, so the language should match the job posting.

Financial Education
8 min de lectura
Have you thought about alternatives to build a better future? You probably share the dream of thousands who long to emigrate to the U.S. in search of job and financial stability. Although the idea is tempting, it’s important to do it in an orderly and legal way to avoid issues with the U.S. government.
Beyond better job opportunities, people emigrate seeking education, family reunification, and safety.
The process to live legally in the U.S. can be overwhelming and confusing. This guide explains, step by step, how to emigrate to the United States to work, study, and reside.
First, understand the different visa categories you can apply for to legally enter the U.S.—whether for work, family ties, or other categories.
These are the visa categories:
If your goal is to find job opportunities in the United States, you need to understand the work visa options.
Another path is the family-sponsored Green Card, which lets U.S. citizens and permanent residents help certain relatives obtain legal status.
U.S. citizens may petition for a spouse, unmarried or married children, parents, and siblings; permanent residents may petition for a spouse and unmarried children under 21.
Processing times vary but can be around 18 months. In general, the card is issued with a 10-year validity.
If you don’t fit employment or family categories, you can consider the Diversity Visa (DV Lottery), which grants 55,000 lawful permanent resident visas to nationals from countries with low U.S. immigration rates.
These are the requirements to apply:
Lastly, there are other alternatives for foreign nationals who don’t fit the categories above.
Below is the visa application process step by step.
First, analyze your goals in the U.S. and which visa category best fits your profile.
Immigrant visa costs vary by category. For example, in family sponsorship, Form I-130 or I-140 ranges from $535 to $700.
Check exact fees on the official U.S. Citizenship and Immigration Services website.
Each visa type requires specific documents; below is a general list of the most important items.
Valid passport.
While the immigrant community is large, you’ll still need at least basic English to communicate.
Forms and fees vary by visa type. Always consult USCIS official information.
Also keep these practical tips in mind to avoid common mistakes.
The next key step is choosing the state where you’ll arrive once you get your visa. This choice can directly impact your success due to the cost of living, job opportunities, and minimum wage.
Several states are attractive due to job variety, access to services, and support networks.
Here is a comparative table of some of the U.S. states for immigrants.
State
Average cost to rent a room
Average cost to rent a family home
State or federal minimum wage
Texas
$1,130
$1,400
Federal minimum wage $7.25 per hour
California
$2,600
$3,500
$14.00 per hour
Florida
$1,290
$2,000
$11.00 per hour
New York
$2,125
$2,300
$15.50 per hour
Illinois
$1,140
$1,300
$15.00 per hour
Arizona
$1,171
$1,400
Federal minimum wage $7.25 per hour
Emigrating requires financial, legal, and emotional preparation. These tips help you transition more smoothly.
You’re one step closer to starting a new life in the U.S. Once there, you’ll need a reliable service to manage your money.
Meet Común, the financial platform in the U.S.!
Open a checking account with qualifying ID from your home country and send money to Latin America with clear, competitive fees.
Open your Común checking account and take the first step toward financial stability in the U.S.
If you still have questions, see the section below.
Costs depend on the visa type—check USCIS’s official site. Also include travel, housing, and basic living expenses.
The TN visa takes about 2–8 weeks; temporary work visas take around 3 months.
You can request a review or appeal and make the necessary corrections. If not accepted, you may submit a new application.

Financial Education
8 min de lectura
Living far from your country carries a set of family, social, and legal responsibilities—from keeping up with loved ones to complying with immigration laws.
Mexican community is one of the largest in the United States,so it’s essential for immigrants living there to renew their passports to avoid potential issues that could affect their stability.
If you hold a Mexican passport and have recently discovered your Mexican passport is about to expire, this guide is for you! Below we explain, step by step, how to renew it from the United States and why keeping it valid matters.
The passport is one of the most important official documents for anyone; it serves not only as identification but also as the document that allows you to enter and leave countries.
Why is it important to renew your passport?
Before you buy a ticket or pack your bags, check the expiration date on your passport and your family’s. Remember that airlines generally require at least 6 months’ validity.
A passport is essential for immigration procedures you may need in the U.S., such as visas and permanent residence processing.
A passport is one of the documents most often required to identify yourself and to complete important banking and legal procedures such as opening a bank account, getting a Social Security Number, or a driver’s license.
An expired passport could cause problems with U.S. immigration authorities and, in turn, jeopardize your ability to remain in the country.
The following documents are basic requirements to obtain a new passport:
However, the renewal process varies slightly depending on the applicant’s profile.
Adults (18 and over)
Adults can complete the Mexican passport renewal process directly at a Mexican consulate in the U.S.
In most cases you must book an appointment in advance via the MiConsulado portal.
Minors
For minors, renewal involves a few additional steps.
Additional documentation:
Both parents must attend the appointment and sign the authorization. If one cannot attend, a notarized authorization is required.
People with disabilities
People with disabilities can also renew their Mexican passport under the following criteria.
Additional documentation:
Note that some Mexican consulates offer priority services for these needs.
Before booking a consular appointment, make sure you meet the requirements to renew your Mexican passport.
This is a basic document proving Mexican nationality. Make sure you obtain a certified copy issued by the Civil Registry.
The Unique Population Registry Code (CURP) is essential to confirm personal data.
Note the latest update to Mexican passport government fees.
Fees (validity — estimated consular fee): • 3 years — $99.00 • 6 years — $133.00 • 10 years — $203.00
Passport validity
Consular fee in U.S. dollars
3 years
$99.00
6 years
$133.00
10 years
$203.00
You must pay the fee on the day of your appointment. Commonly accepted methods: cash, debit or credit card, and money order. You’ll generally receive your passport the same day, unless there’s an issue with the documentation or information must be verified.
You may present an INE card, driver’s license, High-Security Consular ID, or school IDs.
Renewal can only be done at authorized Mexican consulates. While you may book at any Mexican consulate in the U.S., some may have operational restrictions.
Booking an appointment is essential to renew your passport.
Make sure you have all required documents. If you have children or care for a person with disabilities, remember you’ll need the additional documentation.
Arrive on time and present your documents in order. Once processed, you’ll receive your passport.
An expired passport could cause easily avoidable setbacks and difficulties. Below are some tips to help you keep your official documentation up to date.
Throughout this article, we showed how and why renewing your Mexican passport matters to avoid issues with U.S. authorities and delays in your plans. We also explained the application process, requirements, and practical tips.
Just as a valid Mexican passport opens the door to international travel and access to official services, a checking account with Común opens the door to financial stability in the United States.
Why choose Común as your financial ally?
Común is the platform that understands the needs of people living between two countries. Your passport connects with your own identity, and Común connects your money with your family across borders.
Open your checking account with Común today and start sending money from the U.S. easily, safely, and affordably!
If you still have questions, see this section.
Yes, credit card is an accepted payment method.
You must present a theft or loss report issued by the local police and complete the loss declaration form at the consulate.
Mexican birth certificate, official ID, official IDs for both parents or guardians, and their in-person presence at the consulate.
The passport is a right of Mexican citizenship, and you do not need to have any specific U.S. immigration status.

Living in the United States
8 min de lectura
Starting a life in the United States means adapting to a new culture and customs that can interfere with everyday activities such as going to school, working, and carrying out important banking transactions.
Knowing the month-by-month celebrations in the United States lets you plan ahead—especially if you need to send remittances to your home country, plan trips, or make important payments.
This guide explains the main U.S. holidays, the differences between state and federal holidays, and how they affect work, school, and banking hours.
U.S. holidays are special dates commemorating historical or cultural events. They may be observed at the federal or state level.
These are declared by the federal government. On these dates, banks, government offices, and federal services close. One example is Independence Day.
These are declared by state governments and apply only within that state.
Labor laws do not mandate overtime or premium pay on holidays, but some employers offer holiday pay.
Time off is only mandatory for federal employees; in the private sector it depends entirely on the employer. In some industries—such as tourism and hospitality—it’s common to work on holidays, with compensation determined by the company.
There are 11 federal holidays in the United States to keep in mind. On these dates, banks and government offices typically close. This can delay remittance transfers.
Be sure to schedule transfers in advance so they don’t overlap with U.S. holidays and your money arrives without issues.
Celebration of the start of the year. Banks and public offices remain closed.
Honors the memory of civil-rights leader Martin Luther King Jr.
Commemoration honoring George Washington and all U.S. presidents.
Commemorates members of the Armed Forces who died in service.
Marks the end of slavery in the United States.
Celebration of the Declaration of Independence. One of the most important holidays.
Celebration dedicated to the nation’s workers.
Marks Christopher Columbus’s arrival in the Americas in 1492.
Commemoration recognizing all who served in the Armed Forces.
A family tradition dedicated to giving thanks for the harvest and the good moments of the year.
The birth of Jesus; a widely observed religious and cultural celebration.
Knowing what’s celebrated today in the United States helps you plan your day and be aware of possible workplace benefits you might be eligible for.
If you work in sectors such as hospitality, restaurants, or cleaning, you may have to work on holidays. Ask your employer whether double pay, shift changes, or other compensation applies.
On federal holidays, banks and post offices close, which can delay financial operations such as deposits and international transfers. If you need to send money to family, do so before these dates.
Public and private schools close on federal holidays. USCIS staff also do not work, so immigration processes are delayed.
Don’t let holidays catch you off guard. Set aside a monthly budget for travel, daily expenses, and other activities.
Keep a payment calendar that accounts for holidays so you can make payments without setbacks.
Beyond official dates, there are others that matter culturally to immigrant communities. They may not significantly affect institutions or businesses, but they’re still worth noting if you plan to budget for a celebration.
A date that has also gained relevance among U.S. residents. Although many mistakenly link it to Mexico’s Independence Day, it actually commemorates victory over the French army.
In the U.S. it’s observed on the second Sunday in May, though immigrant communities may choose the customary date in their countries of origin.
Observed on the third Sunday in June, though it can vary. It’s a day of family togetherness for many immigrants.
A tradition that crosses borders; it’s very popular among immigrant communities who enjoy dressing up and having fun with kids.
A popular holiday to celebrate love and friendship, spend time together, and give and receive gifts.
A Mexican tradition honoring the departed through altars, food, flowers, and music.
This article outlined the U.S. holidays and how they affect public and private operating hours.
Holidays shouldn’t keep you from meeting your financial obligations. Make sure you have an ally to help you plan your budget.
Get to know all the benefits of Común!
Transfer money from the United States to Latin America with clear, competitive fees, up to applicable limits (check terms in Común’s mobile app).
Discover the platform designed for immigrants—with shared interests, language, and goals: bringing families closer through accessible, secure financial solutions.
Open your Común checking account today and manage your money in the U.S. safely and without complications.
If you still have questions, see this section.
On national holidays, banks and post offices are closed. This means money transfers can take 1–2 extra days to complete.
The law doesn’t require double pay on holidays, but some employers offer this benefit.
For immigrant communities, the most relevant holidays include Christmas, Mother’s Day, and the Day of the Dead, among others.

Living in the United States
8 min de lectura
One of the main challenges immigrants face in the U.S. is formalizing a lease, since property owners often require a series of documents that can turn the search process into a maze.
Examples might include credit scores, proof of income, background checks, and references that many immigrants do not yet have. However, there are proven strategies that make it easier for newcomers to obtain a lease in the United States.
If this sounds familiar, keep reading—we’ll explain in detail how to prepare to rent safely and avoid the typical obstacles immigrants encounter when establishing themselves in the U.S.
Before you start searching for your next home, you should keep in mind the key requirements for renting an apartment in the U.S. These help the landlord confirm that the tenant is reliable and has sufficient financial solvency to pay rent on time and in full.
Below are the most requested items to sign a lease:
It’s very important to verify your legal identity. Landlords or real estate agents may ask for one or more of the following documents:
To demonstrate you have sufficient solvency to cover the monthly rent, you can provide several documents, such as:
Reviewing credit history is a crucial step for landlords and agents because it provides reliable evidence of the applicant’s financial behavior.
If you’ve been in the United States for a short time, you may not have a credit history. This article explains simple ways to start building one.
In that case, you may be asked for a credit report from an official agency or a signed authorization to check your credit score.
If you lack sufficient evidence of solvency, you may be asked for a guarantor, who serves as a backstop if you cannot meet the lease terms.
Such a guarantor must reside in the United States and provide the following documents:
Housing options in the U.S. are broad and adapt to all lifestyles, budgets, and immigration statuses.
Rental options you can find in the United States include:
Regardless of the type of property you’re looking for, we recommend following these steps to rent a house or apartment.
Take the time to review all property details and alternatives in different neighborhoods and cities. We recommend searching trusted sites such as Zillow, Realtor, or Apartments.com. Also ask friends or acquaintances who have gone through the process for referrals.
Carefully analyze the lease terms, such as price, property description, requirements, and restrictions.
When you find a home that meets your expectations, submit a rental application with your personal information, references, and authorization to check your credit history.
Before signing any contract or paying a deposit, it is essential to visit the property to ensure it matches the listing and is free from maintenance-related deterioration.
If after the visit you are still interested in renting the property, the next step is to provide the previously mentioned documents, such as proof of income and government ID.
The landlord will review your application and verify your documents. If approved, the final step is agreeing to and signing the lease terms, which set the rental conditions such as duration, cost, rules, and conditions for refunding the security deposit, among others.
Finding your first rental in the U.S. can be a major challenge due to the number of requirements involved.
Below are some useful tips to help your search pay off as soon as possible.
Use rental websites to research which areas are more affordable or best fit your lifestyle, ensuring you can cover not only rent but also day-to-day expenses.
Don’t limit yourself to a single method. Alternate among websites, mobile applications, classifieds, and even the help of a real estate agent.
It’s essential to stay alert to potential scams. Apply these tips and stay safe:
Before choosing a house or apartment to rent, it’s important to consider several factors, for example:
Location is one of the most relevant aspects when choosing a home. Beyond the city, consider the distance to your workplace and other frequent destinations.
Research the type of neighborhood, safety, infrastructure, recreational areas, community profile, and any other information you consider significant for making a decision.
Make sure the rent fits within your means. Create a budget that includes your monthly income and expenses.
Below are tenants’ rights and obligations in the United States.
The tenant must pay the monthly rent and the agreed deposit on time. Both payments can be made by bank transfer, bank deposit, or check.
The landlord must ensure the property is in optimal condition and has all utilities. In turn, the tenant agrees to take care of the premises, keep them clean, and report any defects requiring maintenance.
Tenants are protected by U.S. law against unfair practices, such as:
Refund of the security deposit if conditions are met.
Protection against unjustified or no-notice eviction.
Renting your first home in the United States doesn’t have to be overwhelming. Take time to learn the most common requirements and consider alternative solutions like those in this article. This way, you’ll see it is possible to open the door to decent housing.
With the right preparation and tools, the rental process becomes much simpler and more accessible.
Rely on Común, a financial platform that addresses day-to-day needs in the United States, with an intuitive mobile app, so opening an account is quick and easy using qualifying official identification from your country of origin. It also makes it simple to send remittances up to the applicable limits to LATAM countries, so your family receives more, with competitive fees.
Discover Común, an excellent option dedicated to serving immigrant communities in the United States, with support available in Spanish.
Open your checking account today with a partner that understands your needs as an immigrant!
If you still have questions, check our FAQs.
The national average for rental housing is around $2,100 USD.
Cities such as Laredo, Texas, and Toledo, Ohio report the most affordable living costs.

Instant payments
8 min de lectura
These payment methods are both available in the U.S. but they are often used for different purposes. Direct deposit is commonly used for paychecks, tax refunds, and government benefits, while wire transfers are more often used for urgent or high-value transfers between financial institutions.
Understanding the difference between direct deposit and wire transfers can help you avoid unnecessary fees, choose the right payment method for your situation, and manage your money more confidently.
The biggest difference is the purpose they serve. Direct deposit is commonly used for recurring payments such as salaries, benefits, and tax refunds. Wire transfers are commonly used to move money quickly between financial institutions, particularly for large or time-sensitive transactions.
| Feature | Direct deposit | Wire transfer |
|---|---|---|
| Common use | Paychecks, benefits, tax refunds | Large or urgent transfers |
| Network used | ACH network | Wire transfer network |
| Speed | Typically 1–3 business days | Often same day or next business day |
| Typical cost | Often no fee to receive | Fees may apply |
| International transfers | Limited | Commonly used |
| Recurring payments | Yes | Less common |
| Setup required | Routing + account number | Bank details + recipient information |
Direct deposit is one of the most common payment methods in the United States, particularly for employees receiving wages from an employer. Instead of issuing a paper check, an employer sends the payment electronically to the employee's bank account through the ACH network.
To set up direct deposit you need to provide your employer: your bank's routing number and your personal account number.
A wire transfer is an electronic transfer of funds between financial institutions through secure financial networks like Fedwire or SWIFT. Unlike direct deposit, wire transfers are better suited for large one-time payments, urgent payments, real estate transactions, or international transfers.
Use direct deposit for:
Use wire transfer for:
With your Común account, you can set up direct deposit by providing your Común routing number and account number to your employer. Your Común account has unique routing and account numbers available in the app. Visit comun.app to learn more.
Not necessarily. Domestic wire transfers can be faster (same day), while direct deposits usually take 1-3 business days. However, many accounts offer early access to direct deposits up to 2 days early.
Setting up direct deposit is generally no fee. Employers use the ACH network to send payroll electronically at no charge to the employee.
Común is a financial technology company and not a bank. Banking services are provided by Community Federal Savings Bank, Member FDIC.

International Money Transfers
8 min de lectura
For millions of Latin Americans living in the United States, sending money back home is part of everyday life. For many, their families and friends back home often depend on fast and reliable remittances from the United States. Today, there are many service providers for sending money to Latin America available in the market, each offering different advantages and disadvantages and choosing the right one is key to make the most out of your hard-earned money. A useful approach is to understand how remittance pricing works, what factors affect the total cost, and how to compare the services based on your specific needs.
The real cost of a remittance is determined by different elements:
In practice, the exchange rate often has the biggest impact on how much money the recipient actually receives. For example, two providers may advertise similar fees while delivering noticeably different final amounts because of the FX spread built into the exchange rate.
The FX spread is the difference between:
This difference is where some remittance service providers generate revenue. The same reason why two services with the same "$0 fee" can have very different final costs.
Different services work better for different types of users. Here you can find a general overview of the providers most commonly used by the Latino communities in the United States.
Western Union is one of the largest remittance companies in the world, with an extensive cash pickup network across thousands of locations in Latin America.
Strengths:
Limitations:
Ria Money Transfer offers payments from the US to more than 165 countries across the world, with delivery options including cash collection and delivery to either a mobile money wallet or bank account.
Strengths:
Limitations:
MoneyGram is a service provider of international remittances that enables individuals to send and receive money internationally and domestically.
Strengths:
Limitations:
Félix Pago is a WhatsApp-based platform focused on servicing the Latino community in the U.S. to send money throughout Latin America.
Strengths:
Limitations:
Común offers the possibility to open a debit account in the USA and send money home from Común's app or WhatsApp.
Strengths:
Limitations:
Today, the remittance service provider market in the U.S. can be divided into two major categories:
Companies that offer physical networks and cash pickup infrastructure. For example: Western Union, Ria Money Transfer or MoneyGram.
These platforms focus on mobile experience, transparent pricing, digital account management, accessibility for immigrants in the U.S. and some offer Spanish-first experiences. Examples: Común and Félix Pago.
Exchange rates change every day and promotional offers can also change. This is why it's important to compare what's the best service provider for your current situation. If possible, it is recommended to use a tool to have a better perspective on your remittance costs. For example Común has a live calculator at comun.app/compara designed to help you understand the exact conditions of your transfer.
For many immigrants in the United States, choosing the best remittance services is not just based on who offers the best exchange rate. The accessibility to the services can shape the entire experience of sending money. Some people may not have a Social Security Number, a traditional U.S. bank account, or an easy way to verify their identity through conventional financial systems. Language can also play an important role for navigating financial apps especially with customer support and understanding the specific transfer policies. Being able to do financial transactions in a native language can make transactions feel less stressful.
The competitive market landscape in the U.S. makes it possible for Latin American immigrants to compare options for their remittances. Today, you can look beyond the exchange rate and consider factors like Spanish-language support, flexible identification requirements, mobile accessibility and transparency around fees and/or transfer conditions. The best remittance service provider is the one that offers pricing, services and access that fit your needs. Común's app is available in Spanish, accepts more than 100 Latin American IDs and offers transparent fees.
There is no universal "best" remittance provider. The right option depends on how often you send money, where you are sending it, how your recipient receives the funds, and what kind of financial access you have in the United States. Choosing based on your own priorities is often the best path.
Many remittance services offer promotional pricing or preferred exchange rates for first-time users. These promotions can temporarily improve the amount received by your family, but they do not always reflect the long-term cost of using the platform.
For example, some digital services may offer stronger FX rates on the first transfer, while traditional providers occasionally waive transfer fees for new customers. However, the total value still depends on the exchange rate, transfer speed, and delivery method.
Before sending your first remittance, it is important to consider:
To compare exchange rates you can always use a tool, for example, comun.app/compara is designed to help people understand the cost of their transfer.
Access to financial services can vary significantly for immigrants in the United States, especially for people who do not have a Social Security Number. This can make onboarding slower or more complicated for recent immigrants, ITIN holders, or people primarily using foreign identification documents.
Some remittance service providers have adopted more flexible verification models. Común, for example, accepts more than 100 Latin American IDs. It is recommended to check with every institution their specific verification requirements.
People who send remittances every month can benefit more from consistency than from temporary promotions. For frequent senders, it can be useful to review:
Cash pick-up continues to play a major role across many parts of Latin America, especially in smaller cities or rural communities where bank access may be limited.
Traditional remittance companies like Western Union, Ria Money Transfer, and MoneyGram offer large physical networks that allow recipients to collect money in person at supermarkets, convenience stores, banks, and local partner locations.
Before choosing a provider, it is helpful to verify:
In some cases, the best service is simply the one your recipient can access easily. Común offers cash pick ups with options in some stores and banks.
Over the past years, mobile-first experiences have become popular given the convenience of being able to send remittances from one's mobile phone.
Digital-first services can offer:
Platforms like Común and Félix Pago are examples of services designed around mobile experiences for Latino immigrants. For people who feel more comfortable managing their transfers from their phones, these platforms can feel faster and more convenient.
There is no single service that is always the cheapest. Costs depend on exchange rates, transfer fees, destination country, payment method, and whether you qualify for a first-transfer promotion. The best way to verify your exact case is to compare providers.
The FX spread is the difference between the real market exchange rate and the exchange rate offered by the remittance provider. A weaker exchange rate can reduce the amount your recipient receives.
The best way is to compare the total recipient amount, exchange rate, fees, and promotional conditions before sending money. Some service providers offer tools that calculate the costs before sending the remittance. Común's live comparison calculator is designed to help users verify this information in real time.
No. Some remittance providers specialize in bank deposits or digital wallet transfers, while others maintain extensive cash pickup networks across Latin America. Before sending money, it is important to confirm how your recipient prefers to receive funds and whether pickup locations are accessible in their area.
Each provider sets its own exchange rates based on market conditions, operating costs, transfer corridors, and promotional strategies. Because rates can change daily, comparing providers before each transfer can help users better understand the total cost of sending money.
The remittance industry has changed significantly over the past decade, today sending money to Latin America is no longer limited to one type of service or provider. Immigrants in the United States can choose between traditional cash pickup networks, digital-first platforms, and hybrid financial services depending on what works best for their families.
For many people, the real value comes from the full experience from the convenience of usage, accessibility to the services and knowing exactly how much money will arrive can matter just as much as costs. Común offers transparent pricing, an app available in Spanish and a comparison tool that helps users review transfer costs before sending money.

Financial Education
8 min de lectura
Have you thought about alternatives to build a better future? You probably share the dream of thousands who long to emigrate to the U.S. in search of job and financial stability. Although the idea is tempting, it’s important to do it in an orderly and legal way to avoid issues with the U.S. government.
Beyond better job opportunities, people emigrate seeking education, family reunification, and safety.
The process to live legally in the U.S. can be overwhelming and confusing. This guide explains, step by step, how to emigrate to the United States to work, study, and reside.
First, understand the different visa categories you can apply for to legally enter the U.S.—whether for work, family ties, or other categories.
These are the visa categories:
If your goal is to find job opportunities in the United States, you need to understand the work visa options.
Another path is the family-sponsored Green Card, which lets U.S. citizens and permanent residents help certain relatives obtain legal status.
U.S. citizens may petition for a spouse, unmarried or married children, parents, and siblings; permanent residents may petition for a spouse and unmarried children under 21.
Processing times vary but can be around 18 months. In general, the card is issued with a 10-year validity.
If you don’t fit employment or family categories, you can consider the Diversity Visa (DV Lottery), which grants 55,000 lawful permanent resident visas to nationals from countries with low U.S. immigration rates.
These are the requirements to apply:
Lastly, there are other alternatives for foreign nationals who don’t fit the categories above.
Below is the visa application process step by step.
First, analyze your goals in the U.S. and which visa category best fits your profile.
Immigrant visa costs vary by category. For example, in family sponsorship, Form I-130 or I-140 ranges from $535 to $700.
Check exact fees on the official U.S. Citizenship and Immigration Services website.
Each visa type requires specific documents; below is a general list of the most important items.
Valid passport.
While the immigrant community is large, you’ll still need at least basic English to communicate.
Forms and fees vary by visa type. Always consult USCIS official information.
Also keep these practical tips in mind to avoid common mistakes.
The next key step is choosing the state where you’ll arrive once you get your visa. This choice can directly impact your success due to the cost of living, job opportunities, and minimum wage.
Several states are attractive due to job variety, access to services, and support networks.
Here is a comparative table of some of the U.S. states for immigrants.
State
Average cost to rent a room
Average cost to rent a family home
State or federal minimum wage
Texas
$1,130
$1,400
Federal minimum wage $7.25 per hour
California
$2,600
$3,500
$14.00 per hour
Florida
$1,290
$2,000
$11.00 per hour
New York
$2,125
$2,300
$15.50 per hour
Illinois
$1,140
$1,300
$15.00 per hour
Arizona
$1,171
$1,400
Federal minimum wage $7.25 per hour
Emigrating requires financial, legal, and emotional preparation. These tips help you transition more smoothly.
You’re one step closer to starting a new life in the U.S. Once there, you’ll need a reliable service to manage your money.
Meet Común, the financial platform in the U.S.!
Open a checking account with qualifying ID from your home country and send money to Latin America with clear, competitive fees.
Open your Común checking account and take the first step toward financial stability in the U.S.
If you still have questions, see the section below.
Costs depend on the visa type—check USCIS’s official site. Also include travel, housing, and basic living expenses.
The TN visa takes about 2–8 weeks; temporary work visas take around 3 months.
You can request a review or appeal and make the necessary corrections. If not accepted, you may submit a new application.

Financial Education
8 min de lectura
Money transfer scams continue to affect thousands of families across the United States, especially immigrant communities that regularly send money to loved ones abroad. In recent years, scammers have become more sophisticated, using fake banking apps, social media impersonation, AI-generated voices, and emotional manipulation to steal money and personal information.
According to recent data from the Federal Trade Commission (FTC), consumers reported losing $15.9 billion to fraud in 2025, with impersonation scams remaining the most commonly reported types of fraud.
For Latino immigrants in the U.S., these scams can feel especially stressful because they often involve urgent family situations, language barriers, or financial pressure.
Money transfer scams are fraudulent schemes designed to convince someone to send money or share sensitive financial information. These scams may happen through phone calls, text messages, WhatsApp, social media, fake banking apps, email phishing, or online marketplaces.
Bank impersonation scams:
Scammers pretend to be your bank, sending messages that look official asking if you authorized a transaction. They then call claiming to represent the bank and instruct you to transfer funds to 'reverse' fraud.
Government impersonation scams:
Someone claims to be from the IRS, Social Security, or immigration and threatens consequences if you don't pay immediately.
Marketplace scams:
Scammers on platforms like Facebook Marketplace request payment through transfers. After funds are sent, the item may never arrive.
Overpayment scams:
A scammer claims to have 'accidentally' sent money and asks for it back. Their original payment may later be reversed or prove fraudulent.
Romance/friendship scams:
Someone develops an online relationship and then asks for money for an 'emergency'.
AI-generated voice scams:
In 2026, scammers use AI to clone family members' voices and create false urgency by claiming to be in an emergency.
Común uses encryption and identity verification to protect transactions. If you receive a suspicious message claiming to be from Común, contact official support directly through the app or at ayuda@comun.app. Común will never ask for your password or verification code via text message.
Hang up and call the official number on the back of your card or the bank's official website. Legitimate banks will never ask you to transfer money to 'protect it'.
It depends on the transfer method and how quickly you report. P2P transfers and wire transfers are difficult to reverse. Report immediately to your financial institution.
Común is a financial technology company and not a bank. Banking services are provided by Community Federal Savings Bank, Member FDIC.

Immigration
8 min de lectura
Finding a path that gives you job opportunities in the United States can be hard work, especially if you’re unfamiliar with the different visa types offered by the U.S. government.
The H-1B visa is an option that could open the door to a new life in the U.S. In this guide, we explain what it is, what it’s for, who can apply, when it applies, and its benefits and limitations.
It’s essential to understand this visa’s features—as well as how it differs from other work visas—so you can ensure it fits your professional goals in the country.
With this information, you’ll be able to plan a strategy to obtain the visa and fully establish yourself in the United States.
The H-1B visa is authorization granted to foreign workers to temporarily perform specialty occupations that generally require specialized knowledge and prior experience.
It is a nonimmigrant visa with an initial duration of 3 years and, in most cases, can be extended up to a maximum of 6 years.
There are exceptions, such as when the temporary worker is in the process of obtaining permanent residence, in which case the visa may be extended for a longer period.
Before starting the immigration process, you should know the H-1B requirements and verify that your background aligns with them to determine eligibility.
To obtain an H-1B visa, you must have a higher education degree or its U.S. equivalent. The job offer must also be related to the specialty area of the degree presented.
As with the EB-3 visa, the H-1B also requires a job offer from a U.S. employer, who must file Form I-129 with USCIS.
Keep in mind that this visa is used for jobs requiring specialized knowledge, and openings most often arise in the following areas:
Another key point is that this visa has an annual issuance cap, divided as follows:
Because filings often exceed these limits, USCIS established a selection system consisting of electronic registration and a random lottery.
The draw occurs in two phases: first the 65,000 regular slots are selected, and then 20,000 additional slots are drawn for U.S. advanced degree holders.
Between March and April, employers receive notification of the lottery results. If not selected, you may wait for a second round if quotas aren’t filled or, otherwise, apply the following year.
Below is how the H-1B application process works.
First, the U.S. employer must register the candidate on USCIS’s official site during the designated window, generally in March. The registration fee—listed on the same site—must also be paid.
If the candidate is selected, the employer receives a USCIS notice and can proceed to the next stage.
Note that before filing with USCIS, the employer must obtain a certified Labor Condition Application (LCA) from the Department of Labor (DOL).
After selection, the employer has 90 days to file Form I-129, Petition for a Nonimmigrant Worker, along with required documentation.
At this stage, it’s necessary to show the position is a specialty occupation and that the candidate meets the requirements.
USCIS reviews the filing and, if needed, issues a Request for Evidence to seek additional information or clarification.
If everything is in order, the employer receives an approval notice, and the candidate proceeds with consular processing or a change-of-status request.
If the candidate is outside the U.S., they must attend a U.S. consulate, complete Form DS-160, and appear for a consular interview.
If the candidate is already in the U.S. under another status, the employer files the H-1B petition indicating the worker is in the United States.
In both cases, USCIS approval is required before visa issuance can proceed.
H-1B holders enjoy several benefits that can improve their lives and those of their families; however, it’s also important to note the limitations.
Although temporary, the H-1B allows you to work legally in the United States in your field of specialty. This can open many doors and strengthen your professional experience.
H-1B workers may later pursue permanent residence (a Green Card) and extend benefits to immediate family members such as a spouse and unmarried children under 21.
As noted, this visa does not automatically confer permanent residence; it lasts a maximum of 6 years. Still, it can be a first step toward it.
This visa depends entirely on the employer extending the job offer and completing the filing process.
The visa is numerically capped, and filings typically exceed the annual cap, reducing the likelihood of selection.
To prevent these limits from becoming obstacles, consider planning ahead if you intend to pursue permanent residence. You can also evaluate other work visas, such as EB-2 and EB-3, which may be more suitable for long-term plans in the United States.
Here we covered how to file for the H-1B visa, the requirements, benefits, limitations, and who it’s ideal for.
When you arrive in the United States, you’ll need an ally to help you manage your finances easily. Meet Común!
Open your Común account today and manage your money in the U.S.
Your employer must sponsor permanent residence under an employment-based category, file PERM with the DOL, and then file Form I-140.
A maximum of 6 years.
Form I-129: from $460 to $780.
An anti-fraud fee may apply.

Financial Education
8 min de lectura
Linking payments in online banking lets you connect external accounts or cards to manage your finances in one place. With Común you can link an external debit card from another U.S. bank to send and receive payments.
Banking security systems often decrease once transactions become recurring in the same destination account. This process is called enrollment, and it can be useful for speeding up payment and debt processes. In this article we will tell you why it is necessary to enroll payments, and which protocols are used by platforms to establish payment enrollment.
We will point out the aspects that make it necessary to enroll payments on the bank platform where you keep your money, and the reasons are as follows:
One of the requirements for carrying out this process is having, in the bank platform’s database, the ability to speed up the deposit or payment process. To do so, you must have the following:
At first, enrollment can be somewhat cumbersome. But you will get used to doing it and establishing the criteria that indicate payments or deposits are recurring. For this, it is necessary to explain the general enrollment steps, which are the following.
aIt's the process of connecting an external account or card to your financial app so you can move money between them or make payments directly.
From the app, add your external debit card (from a U.S. bank, in your name). Común verifies the card with a micro-deposit you confirm in the app.
Send and receive payments and remittances using that card, even if you don't have funds in your Común balance.
A valid debit card, issued in the U.S., in your name.
With a micro-deposit of less than $1.00 that you confirm in the app.
No, Común only accepts personal debit cards, not credit or prepaid cards.
Up to 2 debit cards during your first 60 days with the account.
Common reasons include the name not matching, the card not allowing funds to move both ways, or it not being issued in the U.S.
Yes, Común never asks for your bank password during the verification process.

Checking account
8 min de lectura
A joint bank account is an account shared by two or more people, commonly used by couples, families, or business partners to manage shared expenses. Before opening one, it's important to understand both its benefits and its risks.
What Is a Joint Bank Account?
A joint bank account is a single account shared by two or more people, letting all account holders deposit, withdraw, and manage money from the same account. It's perfect for people who need to manage finances together, like spouses, parents and children, or business partners. Joint accounts can be set up as joint checking or joint savings accounts, depending on the co-owners' financial needs.
Click here to learn more about personal bank accounts in the U.S.
Benefits of Joint Bank Accounts
Managing shared expenses becomes much simpler with a joint account. Instead of juggling multiple accounts for different payments, you can handle household bills, car payments, mortgage payments, and other shared expenses from one place. This simplifies tracking and organizing your finances and reduces the need to transfer funds between separate accounts.
With a joint bank account, both account holders have access to the funds. This can be incredibly convenient in emergencies or when one partner is unavailable. For example, if a spouse is traveling or incapacitated, the other can still pay bills and manage shared expenses without delay. This equal access ensures financial management continues smoothly no matter the circumstances.
Open your account with Común now. Banking designed specifically for you.
Shared Financial Goals
Joint accounts are fantastic for working toward shared financial goals. Whether you're saving for a house, a vacation, or your child's education, having a joint account ensures both partners are on the same page and contributing toward these goals together. This shared approach can foster stronger financial planning and more cohesive spending and saving habits.
A joint bank account improves transparency and trust in relationships. It encourages open communication about finances and helps ensure both parties are aware of and agree on how money is being spent and saved. This can lead to better financial decisions and reduce the potential for misunderstandings or conflicts over money management.
In emergencies, a joint account ensures one partner can access funds if the other is incapacitated. This is especially important for older couples or those with health concerns, providing peace of mind that finances can be managed even in difficult times. Older parents and adult children can also benefit from this setup, ensuring necessary expenses are covered smoothly.
Considerations for Shared Accounts
Sharing an account means sharing individual control over your finances. It's important to have mutual agreements about spending and to trust your partner's financial decisions. This could be a drawback for those who prefer full autonomy over their money. Having both joint and separate accounts can balance shared financial management with personal spending autonomy.
Managing money together can sometimes lead to disagreements. To avoid conflict, set spending limits and have regular financial discussions to make sure both parties are on the same page. Clear communication is key to reducing potential disputes, and consulting a financial planner or wealth advisor can also help manage joint accounts effectively. Setting clear guidelines for deposits, withdrawals, and spending means deciding together how much each person will contribute to the joint account, whether a fixed amount or a percentage of income.
Rules for Spending and Saving
This can include setting rules for large withdrawals or purchases, requiring both partners' agreement to avoid disputes. Having a mutual understanding of how the account will be managed can prevent misunderstandings and foster a cooperative approach to money management.
Aligning Long-Term Financial Goals
Align your long-term financial goals, like saving for a house, retirement, or a child's education. Setting and working toward shared goals strengthens your financial partnership and provides clear direction for your joint account. Regularly review and adjust your goals as needed to stay on track and adapt to any changes in your financial situation.
Legal Aspects
Joint accounts come with legal responsibilities, like liability for overdrafts and debts. It's essential to have clear agreements, especially in business partnerships, to avoid legal complications. Understand the legal aspects and make sure both parties are aware of their responsibilities. The Federal Deposit Insurance Corporation (FDIC) insures joint accounts, but it's important to understand the coverage limits and implications.
Joint accounts can affect both account holders' credit scores. Responsible management and regular account monitoring are crucial to avoiding negative impacts on your credit. Make sure both partners are committed to maintaining good financial habits. Any debt incurred on the joint account will show up on both account holders' credit reports, so it's important to manage the account carefully.
Understanding the Legal and Tax Implications
Be aware of the legal and tax implications of having a joint bank account. In some cases, joint accounts can affect your individual credit standing and tax liabilities. Consult a financial planner or banking advisor to understand the impact on your personal finances, and make sure you comply with any legal requirements. This understanding helps you make informed decisions and avoid potential legal or financial issues.
Tips for Successfully Managing a Joint Bank Account
Communication is key, and regular financial discussions are essential. Talk openly about your financial goals, spending habits, and any concerns you may have. Schedule regular check-ins to review your joint account and discuss any changes in income, expenses, or savings goals. Open communication ensures both partners stay on top of the account's status and can address any issues promptly. Managing a joint bank account takes teamwork, communication, and clear guidelines. Here are some tips to help you navigate this financial arrangement smoothly:
By following these tips, you can successfully manage your joint bank account, fostering a collaborative and transparent financial partnership. Remember, the key to a successful joint account is open communication, clear guidelines, and mutual respect.
We'll show you how to manage your personal accounts in the U.S. here
Conclusion
Joint bank accounts offer numerous benefits, from simplifying finances to fostering transparency and trust. However, they also require careful consideration and clear communication to avoid potential pitfalls. Weigh the pros and cons carefully and make sure both partners are on the same page before opening a joint account. Financial situations can change, so it's essential to stay flexible and adaptable. Regularly reassess your joint account setup and make adjustments as needed. Whether it's changing your contribution amounts, adjusting spending limits, or reevaluating your financial goals, staying adaptable ensures your joint account continues to meet both partners' needs.
It's a single account where two or more people can deposit, withdraw, and manage money, typically used by couples, families, or business partners.
It makes paying shared expenses (rent, utilities) easier without constant transfers between individual accounts, and lets another holder access funds in an emergency.
All holders have equal access to the money, which requires trust and clear agreements about how funds are used. It's also important to agree on how to split expenses and review activity regularly.
Generally two or more people who share expenses, such as couples, family members, or business partners.
Yes, in a standard joint account, all holders can deposit, withdraw, and manage the money equally.
It can affect the whole account; it's important to consider this risk before opening a joint account.
The process varies by institution; it generally requires agreement or signatures from all holders.
By agreeing upfront on how expenses are split, reviewing activity often, and keeping open communication between holders.
It depends on each person's situation; many couples and families combine both: a joint account for shared expenses and individual accounts for personal spending.

Immigration
8 min de lectura
The ITIN is obtained through IRS Form W-7 along with identity and foreign status documentation. A passport is the only document that satisfies both requirements on its own. The process takes between 7 and 11 weeks.
The ITIN allows you to file tax returns with the IRS, including claiming credits such as the Child Tax Credit and the Earned Income Tax Credit.
Some banks and credit unions accept an ITIN as an alternative ID to an SSN for opening accounts. Platforms like Común do not require either an SSN or an ITIN.
For entrepreneurs, the ITIN is vital for filing business taxes and applying for an Employer Identification Number (EIN).
Consistently filing taxes with an ITIN can demonstrate good moral character, a factor considered in some immigration cases.
In the absence of an SSN, the ITIN is recognized by financial institutions and government agencies as a valid identification number.
In some states, the ITIN allows access to a driver’s license, health insurance, or in-state college tuition rates.
Using the ITIN consistently links your tax data to your identification number, reducing the risk that someone files a return in your name.
The ITIN allows you to file tax returns with the IRS, claim tax credits such as the Child Tax Credit, open bank accounts at institutions that accept it, and in some states access services such as driver’s licenses or in-state tuition. It is the tax identification number for those who do not qualify for an SSN.
No. The ITIN is exclusively for tax purposes. It does not authorize you to work legally in the U.S., does not generate Social Security credits, does not provide automatic access to federal benefits such as Medicare or unemployment, and is not equivalent to an SSN for most government procedures. It is a tool for tax inclusion, not immigration status.
In general, filing taxes with an ITIN can be beneficial in immigration processes because it demonstrates a history of tax compliance and “good moral character,” one of the criteria evaluated in some adjustment-of-status cases. However, the impact varies by case — consult an immigration attorney before using it as an immigration strategy.
Some banks do accept an ITIN. Bank of America and certain local banks have specific programs for ITIN holders. However, many large banks require an SSN. Alternatives like Común do not require either an SSN or an ITIN — they accept a passport, consular ID, or other Latin American IDs for immediate account opening.
Yes, partially. Some credit card issuers and lenders accept an ITIN. Certain mortgage programs (ITIN loans) allow you to buy a home without an SSN. Building credit history with an ITIN is possible, although more limited than with an SSN. Credit built with an ITIN generally does not automatically transfer if you later obtain an SSN.
You submit IRS Form W-7 along with identity and foreign-status documentation — a passport is the only document that satisfies both requirements on its own. You can mail it with your tax return, go in person to an IRS Taxpayer Assistance Center, or apply through an authorized Certifying Acceptance Agent (CAA), which is the fastest and safest method.

Instant payments
8 min de lectura
Have you heard of Venmo? It is a digital payment application that has gained popularity in the United States in recent years. According to recent data, in 2024 the mobile application reached 68.3 million active users, representing an 8.8% increase compared to 2023.
The importance this mobile application has acquired cannot be denied, which is why knowing what Venmo is in the United States can be very useful to send and receive money from family and friends quickly and securely.
As a foreign national living in the U.S., you must ensure that you choose a financial platform that meets your needs for sending money to your home country and making payments with ease.
In this guide, we clarify all your potential questions about how to use Venmo in other languages like Spanish, what it is for, the requirements to open an account, the benefits this mobile app offers, and also its limitations.
Venmo is a highly popular P2P (peer-to-peer) payment mobile application in the U.S. Its primary purpose is to facilitate the instant transfer of money between friends and family, in addition to allowing users to link bank accounts and cards.
Venmo’s business model is based on charging fees for services such as credit card transactions, instant transfers of money to bank accounts, and transactions using its physical card.
Some of the most common reasons immigrants use Venmo include:
To fully understand what Venmo is in the United States, it is important to explore the functionalities this P2P payment service offers its users to simplify their lives:
Now that you know the benefits of this mobile application in detail, you probably want to learn the requirements to start using it.
Before learning how to pay with Venmo, remember that it only works in the United States.
These are the requirements to use Venmo:
To verify your account, Venmo will request the following:
To transfer money from Venmo to your bank account, once it is linked and verified, follow these steps:
1. Log into your account through the mobile app and go to the “Me” tab.
2. Press the “Transfer” or “Add” button.
3. Enter or edit the amount you want to transfer to your bank account.
4. Select the transfer method: “Instant” or “up to 3 biz days,” noting any applicable fees.
5. Confirm the transfer details and complete the process.
If you want more options for depositing money into another person’s account, do not miss these recommendations.
The need for immigrants to have an integrated solution allowing access to digital payments, transfers, and other benefits increases daily. Therefore, while Venmo is a popular option for sending and receiving money in the U.S., it may present limitations for immigrants working in the country.
One limiting factor for immigrant communities is the language barrier in customer support. Because it is a service designed for U.S. residents, it is not optimized for people who speak a different language, such as Spanish. In addition, you should have a U.S. bank account.
Your best option may be to entrust your financial assets to a service offered in your language.
We present Comun, the solution for immigrants seeking to improve the way they send and receive money to family and friends.
Why Is Comun a Great Option for Immigrant Communities in the United States?
If you think accessing quality financial services in the U.S. is impossible for immigrants, open your Comun account today and forget about complications.
Disclosures:
“Comun is a financial technology company and not a bank. Banking services are provided by Community Federal Savings Bank; Member FDIC. The Comun Visa® Debit Card is issued by Community Federal Savings Bank, pursuant to a license from Visa U.S.A Inc. and may be used everywhere Visa Cards are accepted.”
“Funds in your account are FDIC insured up to $250,000 by ownership category through Community Federal Savings Bank (CFSB), Member FDIC, in the event CFSB fails.”
“A service provided by Service UniTeller, Inc. Service UniTeller, Inc. is licensed in all states that require a license.”
“Remittance fees start at $2.99 but may vary. Please check the app for more details.”
“Comun Inc. may earn revenue from the conversion of foreign currencies.”
“Direct deposit funds are typically available when we receive the payment file, up to two days before the scheduled payment date. This early availability is not guaranteed.”

Financial Education
8 min de lectura
If you’re looking for a safe, simple way to manage your money, a digital wallet could be the ideal complement to your finances. It’s a mobile application that lets you bring together your cards and other financial products in one place.
In recent years, it has become a key tool for digital money management due to its convenience and security.
Below we explain in detail what a digital wallet is, common uses, advantages, and some examples of the most popular digital wallets in the United States.
A digital wallet is an application for Android- or iOS-compatible devices that securely stores credit or debit card details, or bank account information and lets you access it quickly and safely to make digital payments and other transactions.
How it works is simple: you register your banking information in the app, where it’s encrypted to keep it secure and prevent third-party access. This lets you make electronic payments in seconds through several methods—scanning a QR code, using a smartphone with NFC technology, or selecting the digital wallet at checkout for online purchases.
There is a wide variety of digital wallets in the United States; the most popular include Apple Pay, Google Wallet, Samsung Pay, and PayPal.
A digital wallet simplifies day-to-day transactions for the thousands of immigrants living in the United States. These are the most common uses of this type of tool:
Using a digital wallet in a store is easy as long as the merchant accepts contactless payments. In that case, simply enable NFC on your phone and hold it near the payment terminal. The payment will process automatically without entering additional information.
To pay online, first make sure you’ve added your bank accounts to the wallet’s mobile app. Then go to the product or service page and choose your digital wallet as the payment option. You may be prompted to enter an authentication factor for security.
Another common use of digital wallets—especially among immigrant users in the U.S.—is sending remittances quickly to their home countries. Depending on the app, these can be less costly than traditional banks.
A digital wallet is also a handy organizational tool for keeping not only financial products like debit and credit cards, but also other digital items such as transit cards, tickets, and discount coupons.
These applications also make it easy to keep your finances organized, create monthly budgets, and stay on top of day-to-day transactions.
Managing your financial products with a digital wallet has several notable benefits that can completely change how you make digital payments.
Carrying cash is always riskier than digital options because of loss or theft. A digital wallet removes the need to depend on cash and streamlines payments online and in physical stores.
In addition, your personal information is encrypted so only you can access it. You can also add app-level security like biometrics and passcodes, facial recognition, and Touch ID.
Beyond avoiding cash, a digital wallet also means you don’t need to carry physical cards everywhere—you can add your accounts in the digital wallet app and pay from your mobile device.
A common challenge for immigrants newly arrived in the United States is meeting the requirements to open a traditional bank account. In contrast, a digital account would be far more accessible option for everyday essentials like receiving money, paying bills, and sending remittances to Latin America quickly and easily.
With a digital account, you can more easily track your money by enabling notifications on your phone to stay aware of every payment.
It can also log all your transactions and help maintain a monthly budget to ensure your money covers your U.S. expenses while supporting family in Latin America.
This is Apple’s official payments service and is built into all its products by default, such as iPhone and Apple Watch. One major advantage is that more than 85% of merchants in the United States accept it.
Its wide acceptance makes it very convenient for immigrants, whether for everyday shopping or paying monthly bills.
It also offers Apple Cash, which functions like a digital card and allows sending and receiving money, but it’s only available in the United States.
This is a virtual wallet available to Android mobile users. It’s a more complete option than its predecessor Google Pay, with features such as tap-to-pay.
It’s very useful for immigrants because it also stores official documents like licenses and various IDs.
PayPal is one of the most popular digital wallets not only in the U.S. but worldwide. It lets you store payment information easily, and sending money to other countries is straightforward thanks to its wide coverage.
Cash App is an application that lets registered users send and receive money. It may be a suitable alternative if you need a debit card and ATM withdrawals.
In this article we showed you that a digital wallet is an application to store all your financial information in one place, plus the advantages, how they work, and the most popular brands in the United States.
If you want to simplify your finances, get to know Común, the platform that offers you:
Open your Común account today with official ID from your country and start using your digital wallet to manage your money in the U.S.
If you still have questions, see the section below.
You can choose options like Apple Pay, Google Wallet, and PayPal, as they have sufficient reputation for handling personal information.
Download the application via Google Play or the App Store, create an account, add your cards, and complete the necessary verification.
Yes, because they use encryption and tokenization to keep your information secure.

Immigration
8 min de lectura
Getting a stable and well-paid job is the main goal of thousands of immigrants who come to the United States in search of a better quality of life.
For this reason, it’s essential to have an optimized resume (“CV”) that summarizes personal information, work experience, academic background, and all relevant details for recruiters and hiring managers.
You’ve probably faced the challenge of writing and refining a CV to apply for a job in your home country.
However, knowing the standards in Latin America is not enough, as U.S. resumes have key differences, such as length and focus on measurable results.
Mastering a new resume format can be challenging, and the process can be frustrating if you don’t hear back after sending multiple applications.
This doesn’t necessarily mean you lack the required skills — your resume might simply need some adjustments to get noticed by U.S. recruiters.
In this article, we aim to make the process easier for immigrant job seekers through a complete guide and sample resumes that will help you create your own by the end of the reading.
Even if you know how to write a resume in Latin America, it’s essential to understand the key differences compared to the U.S. standard.
Here are the main differences between a professional CV in Latin America and a U.S. resume.
In Latin America, it’s common to see two-page CVs, while the American resume is usually limited to one page.
U.S. recruiters look for quantifiable data and measurable results, while in Latin America it’s more common to include task descriptions and responsibilities.
To prevent discrimination, U.S. resumes do not typically include a photo, age, or nationality.
The use of ATS (Applicant Tracking Systems) to detect keywords is widespread among U.S. companies.
While Latin American CVs often use colorful or elaborate designs, U.S. recruiters prefer minimalist formats to make information easier to read.
Understanding these differences is crucial for immigrants, as it increases the chances of being considered by both recruiters and automated systems.
Here’s a step-by-step guide to writing a strong U.S. resume that passes ATS filters and captures recruiters’ attention.
Avoid flashy designs, as they can make reading difficult and hurt your ATS score. Choose a clean, organized, and easy-to-scan format.
Include your full name, U.S. phone number, professional email address, and LinkedIn profile link.
Remember that you do not need to include a photo, date of birth, or marital status.
Your profile should be concise and include relevant keywords. This section should be a short paragraph summarizing your work history, interests, achievements, and career goals.
It’s essential to list your work experience clearly and in chronological order.
To write your professional achievements, use the XYZ formula, structured as follows:
For example:
“Improved the brand’s visual identity through an e-commerce rebranding project, reducing cart abandonment by 50%.”
List your academic background, including institution name, degree, and attendance dates.
The skills section is key to making your resume stand out.
It’s recommended to separate this section into soft skills and technical skills.
Depending on the vacancy and your profile, you can include additional sections, such as languages, certifications, or volunteer experience.
This information can set you apart from other candidates, as it gives you additional skills that could be relevant to the position.
Here’s an example of how an optimized resume should look, according to U.S. company standards.
On this page, you can download CV templates in English to customize yours according to your experience.
The last step is to adapt this example to your own professional profile and career path, which may differ depending on whether you are a recent graduate or already have experience.
Here are some things to avoid when writing your resume.
Having a strong resume is key to successfully entering the U.S. job market.
Just as a resume opens the door to great job opportunities, Común opens the door to financial stability for immigrants.
Discover Común, the option designed to serve the needs of immigrant communities in the U.S., with service available in Spanish.
Discover All the Benefits of Común!
Discover Común, the option dedicated to meeting the needs of immigrant communities in the United States with services available in Spanish.
If you still have questions, check out the next section.
It’s not necessary to include references in your resume, as companies usually request them later in the hiring process.
The 3 most important details are: contact information, professional experience, and skills.
The resume format used in the U.S. is becoming common in other countries, so the language should match the job posting.

Immigration
8 min de lectura
For immigrants in the U.S., bank fees can amount to hundreds of dollars a year. Común stands out by offering a monthly-fee-free account, no minimum balance, and no SSN requirement. Compared with competitors like Seis and Majority, Común eliminates fixed fees while still providing full services in Spanish.
Choosing the right bank account can save you hundreds of dollars a year. For the immigrant community in the U.S., comparing fees is especially important because many traditional accounts charge fees that directly affect the monthly budget. We analyzed the main options available.
Major U.S. banks such as Bank of America, Chase, and Wells Fargo charge between $6 and $25 per month to maintain a checking account, with minimum balance requirements of $1,500 to $25,000 to avoid those fees. They also charge overdraft fees ($35 per transaction), out-of-network ATM withdrawal fees ($2.50-$5 per withdrawal), and international transfer fees ($25-$45 per wire transfer). For a newly arrived immigrant without credit history or a high balance, these costs add up quickly.
Común offers a checking account with no monthly fee, no minimum balance required, and no overdraft penalty in many cases. It does not require an SSN — it accepts a passport, consular ID, and more than 100 Latin American IDs. Customer service is completely in Spanish. Account opening takes minutes from a mobile phone. It allows instant domestic transfers at no cost between Común users. It is the option designed specifically for the Latino community in the U.S.
Majority charges $5.99 per month as a base membership (down from $14.99). In return, it offers unlimited international calls to selected countries, roaming mobile data in more than 50 countries, and discounts at participating merchants. If you actively use international calling and travel benefits, the membership may be worth it. However, if you only need a basic bank account, you are paying for services you may not use.
Seis is designed for expats and visa workers in the U.S. It offers an account without an SSN using a visa and passport. Fees vary by plan: the basic account has limits on the number of free transactions. It is more geared toward professionals with work visas (H-1B, L-1) than the immigrant community at large. Its interface is available in multiple languages, including Spanish.
In terms of monthly fee, Común charges $0, Majority charges $5.99/month, and traditional banks charge between $6 and $25. The minimum balance requirement is $0 at Común, $0 at Majority, and between $1,500 and $25,000 at traditional banks. Regarding SSN requirement, Común does not require it, Majority does not either, while traditional banks generally do. All three have FDIC or equivalent deposit protection.
If you are looking for the account with the lowest total fees and do not need unlimited international calls, Común is the most economical option. If you travel frequently or call abroad often, Majority’s membership may be worth it. Traditional banks only make sense if you already have the required minimum balance or if you need specific services such as mortgages or investment accounts.
The most common are: monthly maintenance fee ($6-$25), overdraft fee ($35 per transaction), out-of-network ATM fee ($2.50-$5), and international wire transfer fees ($25-$45). Digital banks like Común eliminate most of these fees.
Yes, usually by maintaining a monthly minimum balance (which varies by bank and account type), receiving direct payroll deposit, or being a student. However, for immigrants without credit history or with variable income, meeting these requirements can be difficult at first.
No. Multiple digital banks offer free access to ATM networks (Allpoint, MoneyPass) with thousands of fee-free locations across the U.S. Común provides access to fee-free ATMs within its network. Outside the network, typical charges are $2.50-$5 from the ATM plus whatever your bank charges.
An overdraft fee occurs when you spend more money than you have in your account and the bank covers the difference by charging you a penalty (typically $35). You can avoid it by activating low-balance alerts, linking a savings account as backup, or choosing a bank that does not charge overdraft fees — some digital accounts decline the transaction instead of charging a penalty.
It depends on the included benefits. A $5.99-$14.99 monthly membership may be worth it if it includes services you actively use (international calling, travel insurance, cashback). If you only need an account for deposits, payments, and transfers, a free account like Común is more cost-effective.







Comun is a financial technology company and not a bank. Banking services are provided by Community Federal Savings Bank; Member FDIC. The Comun Visa® Debit Card is issued by Community Federal Savings Bank, pursuant to a license from Visa U.S.A Inc. and may be used everywhere Visa Cards are accepted.
Comun is a fintech company and not a bank or licensed money transmitter.
* Results may vary. For a complete list of eligible IDs and application requirements, follow this link.
^ No minimums, no maintenance fees. ATM or transfer fees may apply. See app for fee details.
‡ Direct deposit funds are typically available when we receive the payment file, up to two days before the scheduled payment date. This early availability is not guaranteed.
** A service provided by Service UniTeller, Inc. Service UniTeller, Inc. is licensed in all states that require a license. Remittance fees start at $2.99 but may vary. Please check the app for more details. Comun Inc. may earn revenue from the conversion of foreign currencies.
† Funds in your account are FDIC insured up to $250,000 by ownership category through Community Federal Savings Bank (CFSB), Member FDIC, in the event CFSB fails.