Immigration

The 100 Questions about American Citizenship in Spanish

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.

The 100 Questions about American Citizenship in Spanish

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.

How does the US citizenship test work?

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.

Who can take the exam in Spanish?

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.

The 100 Official Citizenship Civics Test Questions (with answers in Spanish)

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.

Part A: The American government (questions 1-57)

Principles of American Democracy (1–12)

1. What is the supreme law of the land?

  • the Constitution

2. What does the Constitution do?

  • sets up the government
  • defines the government
  • protects basic rights of Americans

3. The idea of self-government is in the first three words of the Constitution. What are these words?

  • We the People

4. What is an amendment?

  • a change (to the Constitution)
  • an addition (to the Constitution)

5. What do we call the first ten amendments to the Constitution?

  • the Bill of Rights

6. What is one right or freedom from the First Amendment?*

  • speech
  • religion
  • assembly
  • press
  • petition the government

7. How many amendments does the Constitution have?

  • twenty-seven (27)

8. What did the Declaration of Independence do?

  • announced our independence (from Great Britain)
  • declared our independence (from Great Britain)
  • said that the United States is free (from Great Britain)

9. What are two rights in the Declaration of Independence?

  • life
  • liberty
  • pursuit of happiness

10. What is freedom of religion?

  • You can practice any religion, or not practice a religion.

11. What is the economic system in the United States?*

  • capitalist economy
  • market economy

12. What is the "rule of law"?

  • Everyone must follow the law.
  • Leaders must obey the law.
  • Government must obey the law.
  • No one is above the law.

System of Government (13–47)

13. Name one branch or part of the government.*

  • Congress
  • legislative
  • President
  • executive
  • the courts
  • judicial

14. What stops one branch of government from becoming too powerful?

  • checks and balances
  • separation of powers

15. Who is in charge of the executive branch?

  • the President

16. Who makes federal laws?

  • Congress
  • Senate and House (of Representatives)
  • (U.S. or national) legislature

17. What are the two parts of the U.S. Congress?*

  • the Senate and House (of Representatives)

18. How many U.S. Senators are there?

  • one hundred (100)

19. We elect a U.S. Senator for how many years?

  • six (6)

20. Who is one of your state's U.S. Senators now?*

  • Answers will vary.
  • [District of Columbia residents and residents of U.S. territories should answer that D.C. (or the territory where the applicant lives) has no U.S. Senators.]

21. The House of Representatives has how many voting members?

  • four hundred thirty-five (435)

22. We elect a U.S. Representative for how many years?

  • two (2)

23. Name your U.S. Representative.

  • Answers will vary.
  • [Residents of territories with nonvoting Delegates or Resident Commissioners may provide the name of that Delegate or Commissioner. Also acceptable is any statement that the territory has no (voting) Representatives in Congress.]

24. Who does a U.S. Senator represent?

  • all people of the state

25. Why do some states have more Representatives than other states?

  • (because of) the state's population
  • (because) they have more people
  • (because) some states have more people

26. We elect a President for how many years?

  • four (4)

27. In what month do we vote for President?*

  • November

28. What is the name of the President of the United States now?*

  • Visit uscis.gov/citizenship/testupdates for the name of the President of the United States.

29. What is the name of the Vice President of the United States now?

  • Visit uscis.gov/citizenship/testupdates for the name of the Vice President of the United States.

30. If the President can no longer serve, who becomes President?

  • the Vice President

31. If both the President and the Vice President can no longer serve, who becomes President?

  • the Speaker of the House

32. Who is the Commander in Chief of the military?

  • the President

33. Who signs bills to become laws?

  • the President

34. Who vetoes bills?

  • the President

35. What does the President's Cabinet do?

  • advises the President

36. What are two Cabinet-level positions?

  • Secretary of Agriculture
  • Secretary of Commerce
  • Secretary of Defense
  • Secretary of Education
  • Secretary of Energy
  • Secretary of Health and Human Services
  • Secretary of Homeland Security
  • Secretary of Housing and Urban Development
  • Secretary of the Interior
  • Secretary of Labor
  • Secretary of State
  • Secretary of Transportation
  • Secretary of the Treasury
  • Secretary of Veterans Affairs
  • Attorney General
  • Vice President

37. What does the judicial branch do?

  • reviews laws
  • explains laws
  • resolves disputes (disagreements)
  • decides if a law goes against the Constitution

38. What is the highest court in the United States?

  • the Supreme Court

39. How many justices are on the Supreme Court?

  • Visit uscis.gov/citizenship/testupdates for the number of justices on the Supreme Court.

40. Who is the Chief Justice of the United States now?

  • Visit uscis.gov/citizenship/testupdates for the name of the Chief Justice of the United States.

41. Under our Constitution, some powers belong to the federal government. What is one power of the federal government?

  • to print money
  • to declare war
  • to create an army
  • to make treaties

42. Under our Constitution, some powers belong to the states. What is one power of the states?

  • provide schooling and education
  • provide protection (police)
  • provide safety (fire departments)
  • give a driver's license
  • approve zoning and land use

43. Who is the Governor of your state now?

  • Answers will vary. [District of Columbia residents should answer that D.C. does not have a Governor.]

44. What is the capital of your state?*

  • Answers will vary. [District of Columbia residents should answer that D.C. is not a state and does not have a capital. Residents of U.S. territories should name the capital of the territory.]

45. What are the two major political parties in the United States?*

  • Democratic and Republican

46. What is the political party of the President now?

  • Visit uscis.gov/citizenship/testupdates for the political party of the President.

47. What is the name of the Speaker of the House of Representatives now?

  • Visit uscis.gov/citizenship/testupdates for the name of the Speaker of the House of Representatives.

Rights and responsibilities (48–57)

48. There are four amendments to the Constitution about who can vote. Describe one of them.

  • Citizens eighteen (18) and older (can vote).
  • You don't have to pay (a poll tax) to vote.
  • Any citizen can vote. (Women and men can vote.)
  • A male citizen of any race (can vote).

49. What is one responsibility that is only for United States citizens?*

  • serve on a jury
  • vote in a federal election

50. Name one right only for United States citizens.

  • vote in a federal election
  • run for federal office

51. What are two rights of everyone living in the United States?

  • freedom of expression
  • freedom of speech
  • freedom of assembly
  • freedom to petition the government
  • freedom of religion
  • the right to bear arms

52. What do we show loyalty to when we say the Pledge of Allegiance?

  • the United States
  • the flag

53. What is one promise you make when you become a United States citizen?

  • give up loyalty to other countries
  • defend the Constitution and laws of the United States
  • obey the laws of the United States
  • serve in the U.S. military (if needed)
  • serve (do important work for) the nation (if needed)
  • be loyal to the United States

54. How old do citizens have to be to vote for President?*

  • eighteen (18) and older

55. What are two ways that Americans can participate in their democracy?

  • vote
  • join a political party
  • help with a campaign
  • join a civic group
  • join a community group
  • give an elected official your opinion on an issue
  • call Senators and Representatives
  • publicly support or oppose an issue or policy
  • run for office
  • write to a newspaper

56. When is the last day you can send in federal income tax forms?*

  • April 15

57. When must all men register for the Selective Service?

  • at age eighteen (18)
  • between eighteen (18) and twenty-six (26)

Part B: American history (questions 58-87)

Colonial Period and Independence

58. What is one reason colonists came to America?

  • freedom
  • political liberty
  • religious freedom
  • economic opportunity
  • practice their religion
  • escape persecution

59. Who lived in America before the Europeans arrived?

  • American Indians
  • Native Americans

60. What group of people was taken to America and sold as slaves?

  • Africans
  • people from Africa

61. Why did the colonists fight the British?

  • because of high taxes (taxation without representation)
  • because the British army stayed in their houses (boarding, quartering)
  • because they didn't have self-government

62. Who wrote the Declaration of Independence?

  • (Thomas) Jefferson

63. When was the Declaration of Independence adopted?

  • July 4, 1776

64. There were 13 original states. Name three.

  • New Hampshire
  • Massachusetts
  • Rhode Island
  • Connecticut
  • New York
  • New Jersey
  • Pennsylvania
  • Delaware
  • Maryland
  • Virginia
  • North Carolina
  • South Carolina
  • Georgia

65. What happened at the Constitutional Convention?

  • The Constitution was written.
  • The Founding Fathers wrote the Constitution.

66. When was the Constitution written?

  • 1787

67. The Federalist Papers supported the passage of the U.S. Constitution. Name one of the writers.

  • (James) Madison
  • (Alexander) Hamilton
  • (John) Jay
  • Publius

68. What is one thing Benjamin Franklin is famous for?

  • U.S. diplomat
  • oldest member of the Constitutional Convention
  • first Postmaster General of the United States
  • writer of "Poor Richard's Almanac"
  • started the first free libraries

69. Who is the "Father of Our Country"?

  • (George) Washington

70. Who was the first President?*

  • (George) Washington

1800s

71. What territory did the United States buy from France in 1803?

  • the Louisiana Territory
  • Louisiana

72. Name one war fought by the United States in the 1800s.

  • War of 1812
  • Mexican-American War
  • Civil War
  • Spanish-American War

73. Name the U.S. war between the North and the South.

  • the Civil War
  • the War between the States

74. Name one problem that led to the Civil War.

  • slavery
  • economic reasons
  • states' rights

75. What was one important thing that Abraham Lincoln did?*

  • freed the slaves (Emancipation Proclamation)
  • saved (or preserved) the Union
  • led the United States during the Civil War

76. What did the Emancipation Proclamation do?

  • freed the slaves
  • freed slaves in the Confederacy
  • freed slaves in the Confederate states
  • freed slaves in most Southern states

77. What did Susan B. Anthony do?

  • fought for women's rights
  • fought for civil rights

Recent American History and Other Important Historical Information

78. Name one war fought by the United States in the 1900s.*

  • World War I
  • World War II
  • Korean War
  • Vietnam War
  • (Persian) Gulf War

79. Who was President during World War I?

  • (Woodrow) Wilson

80. Who was President during the Great Depression and World War II?

  • (Franklin) Roosevelt

81. Who did the United States fight in World War II?

  • Japan, Germany, and Italy

82. Before he was President, Eisenhower was a general. What war was he in?

  • World War II

83. During the Cold War, what was the main concern of the United States?

  • Communism

84. What movement tried to end racial discrimination?

  • civil rights (movement)

85. What did Martin Luther King, Jr. do?*

  • fought for civil rights
  • worked for equality for all Americans

86. What major event happened on September 11, 2001, in the United States?

  • Terrorists attacked the United States.

87. Name one American Indian tribe in the United States.

  • [USCIS Officers will be supplied with a list of federally recognized American Indian tribes.]
  • Cherokee
  • Navajo
  • Sioux
  • Chippewa
  • Choctaw
  • Pueblo
  • Apache
  • Iroquois
  • Creek
  • Blackfeet
  • Seminole
  • Cheyenne
  • Arawak
  • Shawnee
  • Mohegan
  • Huron
  • Oneida
  • Lakota
  • Crow
  • Teton
  • Hopi
  • Inuit

Part C: Geography and civic integration (questions 88-100)

Geography

88. Name one of the two longest rivers in the United States.

  • Missouri (River)
  • Mississippi (River)

89. What ocean is on the West Coast of the United States?

  • Pacific (Ocean)

90. What ocean is on the East Coast of the United States?

  • Atlantic (Ocean)

91. Name one U.S. territory.

  • Puerto Rico
  • U.S. Virgin Islands
  • American Samoa
  • Northern Mariana Islands
  • Guam

92. Name one state that borders Canada.

  • Maine
  • New Hampshire
  • Vermont
  • New York
  • Pennsylvania
  • Ohio
  • Michigan
  • Minnesota
  • North Dakota
  • Montana
  • Idaho
  • Washington
  • Alaska

93. Name one state that borders Mexico.

  • California
  • Arizona
  • New Mexico
  • Texas

94. What is the capital of the United States?*

  • Washington, D.C.

95. Where is the Statue of Liberty?*

  • New York (Harbor)
  • Liberty Island
  • [Also acceptable are New Jersey, near New York City, and on the Hudson (River).]

Symbols

96. Why does the flag have 13 stripes?

  • because there were 13 original colonies
  • because the stripes represent the original colonies

97. Why does the flag have 50 stars?*

  • because there is one star for each state
  • because each star represents a state
  • because there are 50 states

98. What is the name of the national anthem?

  • The Star-Spangled Banner

Holidays

99. When do we celebrate Independence Day?*

  • July 4

100. Name two national U.S. holidays.

  • New Year's Day
  • Martin Luther King, Jr. Day
  • Presidents' Day
  • Memorial Day
  • Independence Day
  • Labor Day
  • Columbus Day
  • Veterans Day
  • Thanksgiving
  • Christmas

Frequently Asked Questions about the Citizenship Exam

How many questions are asked on the citizenship exam?

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.

Is the citizenship exam in English or Spanish?

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.

What happens if I don't pass the exam the first time?

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.

How much does the citizenship exam cost in 2026?

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.

Do the citizenship exam questions change?

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.

Can I study the citizenship questions in Spanish?

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.

5 Tips for Studying for and Passing Your Citizenship Exam

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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Immigration

What happens if I don’t renew my permanent visa? Discover everything about the Green Card in the U.S.

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.

Legal restrictions and rights as a permanent resident

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.

You cannot vote in federal elections

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.

Certain public jobs are restricted

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.

Possibility of losing status for serious crimes

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.

Risks of losing the Green Card due to absences or immigration errors

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.

  • Leaving the country for more than 6 months without justification may raise suspicion of abandoning residence: if you need to leave the U.S. for more than 6 months, apply for Form I-131, which declares your intention to return.
  • Stays outside the U.S. longer than one year can cause automatic loss of status: prolonged absences are generally considered abandonment of permanent residence. Form I-131 allows you to remain abroad for up to two years.
  • Failing to file taxes or lying on tax returns can be grounds for revocation: the Internal Revenue Service (IRS) and U.S. Citizenship and Immigration Services (USCIS) may revoke lawful permanent resident status if they detect irregularities in tax payments.

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.

Limitations on sponsoring family members and obtaining benefits

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.

  • You can only sponsor a spouse and unmarried children under 21: these relatives are considered “preference” categories and must wait until visa slots become available.
  • Parents and siblings cannot be sponsored (only citizens can do so): in this case, the only option is to obtain U.S. citizenship.
  • Waiting times are long depending on the country of origin: the process can take longer for applicants from high-demand countries, such as Mexico.

Although permanent residence offers certain benefits for holders, these restrictions can be frustrating for immigrants seeking family reunification hindered by regulations.

Tips to protect your status as a permanent resident

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.

Always meet your tax obligations

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.

Maintain a clear residence and ties in the U.S.

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.

Avoid long absences and consult before traveling

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.

Consider applying for citizenship if you meet the requirements

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.

Común supports your financial life as an immigrant

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.

A common concern for immigrants seeking permanent residence is staying connected with their loved ones despite the distance. Común is the fintech platform that helps you organize your money and send support easily.

Discover all the benefits of Común!

  • Checking account with clear and competitive fees.
  • Affordable international money transfers.
  • Mobile app available in Spanish that accepts more than 100 qualifying official identifications from your home country.
  • Debit card for everyday purchases and payments.

Open your account with Común today and manage your money in the U.S. with clarity and confidence.

Frequently Asked Questions (FAQ)

If you still have questions, check the following section.

What’s the difference between a Green Card and residency?

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.

How long does a Green Card last?

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.

What happens if I don’t renew my permanent visa?

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.

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Immigration

EB-2 visa: requirements and how to apply in 2025

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.

Learn more about the EB-2 visa and why it matters

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:

  • With an employer sponsor:

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.

  • With a National Interest Waiver (EB-2 NIW):

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:

  • It puts you on a path to permanent residence.
  • It does not rely on capped lotteries.
  • It allows you to advance professionally with greater freedom and financial stability.

Differences among the main U.S. employment visas

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.

What are the requirements to obtain the EB-2 visa?

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:

Requirements via advanced academic degree

Holding an advanced degree is the most common way to obtain an EB-2 visa.

  • An advanced degree is considered a master’s, doctorate, or post-doctoral degree.
  • A person with a bachelor’s degree may apply, as long as they can show at least 5 years of experience.

Requirements via exceptional ability

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:

  • Recognitions: achievements, distinctions, and awards received.
  • Work record: employer letters and proof of years of work experience.
  • Memberships: belonging to associations that require meeting professional standards and merits.

National Interest Waiver (NIW)

Allows applying without a sponsor or labor certification.

These are the 3 criteria for the EB-2 NIW, according to USCIS:

  • The endeavor has substantial merit.
  • It has national importance for the United States.
  • The applicant is well positioned to advance it.

This visa is widely used by researchers, physicians, businesspeople, and entrepreneurs who can contribute significantly to U.S. society.

How to apply for the EB-2 visa

Below are the key steps to obtain the EB-2 visa.

Determine eligibility

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.

File the initial petition

Generally, you will file Form I-140, which the employer or the applicant (in the case of NIW) uses to start the visa process.

Adjustment of status or consular processing

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.

Interview and final decision

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.

Once in the United States, open your account with Común

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.

To start from scratch in a new country, you need allies who understand you.

Común is the financial platform built for immigrants newly arriving in the U.S. who want to manage their money safely. Send money from the United States to Latin America with clear, affordable fees. Your family can receive it directly in bank accounts or pick it up at selected physical locations.

Opening your account is very easy! The mobile app is available in Spanish and English. Comun accepts over 100 qualifying foreign government IDs, and was designed with you in mind.

Frequently Asked Questions (FAQ)

If you still have questions, see this section:

Can I include my family in the application?

If your petition is approved, you can include your spouse and unmarried children under 21.

How much does it cost to apply for the EB-2?

  • I-140 (Immigrant Petition): $715.
  • I-485: $1,440.
  • USCIS Immigrant Fee (for Green Card issuance): $235.

What if my visa is denied?

You can file an appeal or start a new application.

Immigration

EB-3 visa: Requirements and how to apply in 2025

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.

What is the EB-3 visa and who qualifies?

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:

  • Skilled workers: individuals with at least 2 years of job experience in a given field.
  • Professionals: individuals with a university degree equivalent to a U.S. bachelor’s degree, whose positions require academic training.
  • Other (unskilled) workers: roles requiring less than 2 years of experience—generally positions requiring steady labor.

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.

Main EB-3 visa requirements

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.

Benefits of meeting EB-3 visa requirements

Obtaining an EB-3 work visa brings several advantages not only for the applicant but also for their family, for example:

  • Job stability in the U.S.

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.

  • Pathway to lawful permanent residence.

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.

  • Opportunities for professional and personal growth.

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.

How to apply for the EB-3 visa step by step

Step 1. Determine eligibility

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.

Step 2. Labor certification (PERM)

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.

Step 3. File Form I-140

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.

Step 4. Adjustment of status or consular processing

After I-140 approval, wait for visa availability in the Visa Bulletin, then proceed accordingly:

  • Adjustment of status: if you’re already in the U.S., file Form I-485
  • Consular processing: if you’re outside the U.S., file Form DS-260 through the National Visa Center and attend an interview.

Común supports your daily financial life in the U.S.

Here we’ve shown what the EB-3 visa is, the requirements for each subcategory, the benefits, and the application process.

As you start your new life in the U.S., make sure you have an ally who understands you.

Común is a financial platform that helps you manage your everyday needs in the United States. Through the Común mobile app and an intuitive platform, you can create your checking account with a qualifying official identification from your home country. It also makes sending remittances to Latin America, simple and transparent, with clear and competitive fees, up to the applicable limits.

Open your Común account today and start managing your money in the U.S.

Frequently Asked Questions (FAQ)

If you still have questions, see this section.

How long does the EB-3 process take?

The timeline varies with workload, but the full process is estimated at roughly 1 to 3 years.

How much does the EB-3 visa cost in the United States?

  • Form I-140: $715
  • Form I-485 (adjustment of status): $1,440
  • Form DS-260 (consular processing): $325 per applicant

Can I include my family with the EB-3 visa?

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.

Do I need a job offer to apply?

Yes, the EB-3 always requires a job offer, unlike the EB-2 NIW subcategory.

Immigration

O1 Visa Requirements in 2026: What You Need to Know

8 min de lectura

O1 Visa Requirements to Work in the United States

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.

What Is the O1 Visa and Who Can Apply?

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:

O-1A Visa

For individuals with extraordinary achievements in science, education, business, or athletics.

O-1B Visa

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.

Main Requirements for the O1 Visa

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.

For the O-1A Visa

Applicants with outstanding achievements in science, education, business, or athletics must demonstrate they meet the following eligibility criteria:

  • Having received significant recognition with national or international impact.
  • Membership in prestigious associations that require outstanding achievements.
  • Mentions or features in reputable media outlets.
  • Having participated as a judge of the work of others in the same field.
  • Being the author of published scientific articles.
  • Having collaborated with distinguished organizations in the area of expertise.
  • Evidence of a high salary or remuneration compared to others in the same field.

For the O-1B Visa

Applicants with outstanding achievements in the arts, film, or television industry can demonstrate eligibility if they meet the following requirements:

  • Having received major awards, such as Grammy, Emmy, Oscar, or Nobel Prize.
  • Participation in renowned productions.
  • Being recognized by media and critics.
  • Demonstrable commercial success or popularity.
  • Having led prestigious projects.

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.

Documents and Evidence Commonly Submitted with the Application

In addition to meeting the criteria, the applicant must have the following documents to prepare a complete application.

Form I-129, Petition for a Nonimmigrant Worker

This form must be filed by the U.S. employer or agent and should include the following details:

  • Full name of the beneficiary.
  • Detailed description of the project.
  • Expected duration and location of the project.

Letters of Recommendation

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.

Job Offer Letter or Employment Contract in the U.S.

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:

  • Copies of publications, articles, or press materials.
  • Evidence of memberships, awards, or recognitions.
  • Financial statements or evidence of high remuneration.

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.

Find Opportunities in the U.S. with Support from Común

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.

Arriving in a new country to work involves many changes and learning to adapt to customs and regulations. When it comes to managing money effectively, it is essential that immigrants have access to quality financial services.

Discover Común, the financial platform that makes life easier for immigrants in the U.S.!

  • Checking account with clear and competitive fees.
  • International money transfers with affordable costs.
  • Mobile app available in Spanish that accepts more than 100 official foreign identifications.
  • Debit card for everyday purchases and payments.

Open your account with Común today and build your future in the U.S. with a financial platform designed for immigrants.

Frequently Asked Questions (FAQ)

Can You Obtain an O1 Visa Without a Sponsor?

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.

How Much Money Is Required for an Investor Visa in the United States?

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.

Which Documents Carry the Most Weight for Approval?

The documents that usually carry the most weight for O1 visa approval are those that demonstrate sustained and verifiable recognition.

For example:

  • Major awards.
  • Publications in recognized media.
  • Participation as a judge of others’ work.
  • Membership in selective associations.
  • Evidence of participation in well-known projects.
  • Letters of recommendation from experts or field leaders.

Although it is not necessary to present all these documents, the more evidence there is, the greater the chances of approval.

How Long Does the O1 Visa Last and Can It Be Renewed?

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.

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Immigration

How much does it cost to renew permanent residence in the U.S.?

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.

What is the eligibility criterion?

The first thing to know is that there are two types of residence: permanent and conditional. These are the main differences:

  • Permanent residence: this is Lawful Permanent Resident (LPR) status. Although the residence is permanent, the physical card does have a validity period, so it must be renewed at least 6 months before the expiration date. Although some residence permits do not show their validity explicitly, most are valid for 10 years.
  • Conditional residence: this is a step prior to obtaining permanent residence, such as a period following a marriage between a foreign national and a U.S. citizen or lawful permanent resident. It is valid for 2 years and cannot be renewed.

These are the eligibility criteria for both types of residence.

Eligibility criterion for permanent 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).

Family

It is divided into two subcategories:

  • Immediate relatives of U.S. citizens: spouses and unmarried children under 21.
  • Family preference category: unmarried children over 21 of citizens; spouses and children of permanent residents; married children of citizens; and siblings of citizens.

Employment

There are five employment-based residence categories:

  • EB-1 visa: workers with extraordinary ability.
  • EB-2 visa: accomplished professionals with an advanced degree and exceptional ability.
  • EB-3 visa: skilled workers, professionals, and “other workers.”
  • EB-4 visa: religious workers, U.S. government employees, members of the Armed Forces, among others.
  • EB-5 visa: investors who allocate substantial funds to businesses that generate at least 10 jobs in the country.

Refugees and asylees

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.

Special immigrants

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).

Special categories

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.

Eligibility criterion for conditional permanent residents

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.

  • Conditional residence based on a marriage of less than 2 years at the time status is obtained.
  • Conditional residence through investment under the EB-5 category.

What are the requirements to renew permanent residence?

Currently, there are three ways to complete the renewal process to obtain a new resident card.

File online

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.

Paper filing

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.

In-person filing

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.

Documents needed to renew a Green Card

These are the documents you must attach to your renewal application, regardless of the method you use.

  • Form I-90 to apply for renewal of the Permanent Resident Card.
  • Payment of the applicable fee, biometrics (if required), a copy of the expired card, or a theft/loss report.

How much does it cost to renew residence?

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:

  • $415 USD if you file online.
  • $465 USD if you file on paper.

In some cases, you may be required to provide biometrics (fingerprints, photo, and signature), but since 2024 there is no longer a separate fee.

What are the consequences of not renewing residence on time?

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:

Difficulties renewing your driver’s license

In many states, a valid Green Card is required as proof of legal residence when issuing or renewing a driver’s license.

Losing access to certain benefits and services

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.

Difficulties reentering the United States

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.

Not being able to prove you have valid authorization to work in the U.S.

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.

Simplify your financial management with Común

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.

Frequently Asked Questions

If you still have questions, consult our FAQs.

How much time do I have to renew my permanent resident card?

USCIS allows you to file Form I-90 up to 6 months before your Green Card’s expiration date.

How long does it take to renew a permanent resident card?

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

How to Create a Resume in the United States: Step-by-Step + Template

8 min de lectura

Practical Guide + Template to Create Your Resume in the United States

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.

Differences Between a U.S. Resume and a Latin American CV

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.

  • Length

In Latin America, it’s common to see two-page CVs, while the American resume is usually limited to one page.

  • Focus on Quantifiable Achievements

U.S. recruiters look for quantifiable data and measurable results, while in Latin America it’s more common to include task descriptions and responsibilities.

  • No Photo, Age, or Marital Status

To prevent discrimination, U.S. resumes do not typically include a photo, age, or nationality.

  • Use of Keywords to Pass ATS Filters

The use of ATS (Applicant Tracking Systems) to detect keywords is widespread among U.S. companies.

  • Format

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.

7 Steps to Create a Resume in the United States

Here’s a step-by-step guide to writing a strong U.S. resume that passes ATS filters and captures recruiters’ attention.

Step 1. Choose the Right Format

Avoid flashy designs, as they can make reading difficult and hurt your ATS score. Choose a clean, organized, and easy-to-scan format.

Step 2. Fill in Your Contact Information

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.

Step 3. Write Your Professional Summary

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.

Step 4. Clearly Present Your Work Experience

It’s essential to list your work experience clearly and in chronological order.

  • Use bullet points to list your most recent positions, including company name, job title, start and end dates.
  • Highlight measurable achievements in each position.

To write your professional achievements, use the XYZ formula, structured as follows:

  • X: what you did 
  • Y: how you did it 
  • Z: the result achieved.

For example: 

“Improved the brand’s visual identity through an e-commerce rebranding project, reducing cart abandonment by 50%.”

Step 5. Your Education

List your academic background, including institution name, degree, and attendance dates.

Step 6. Highlight Your Skills

The skills section is key to making your resume stand out.

It’s recommended to separate this section into soft skills and technical skills.

  • Soft skills: communication, teamwork, time management, attention to detail.
  • Technical skills: design and editing software.

Step 7. Optional Sections

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.

Example of a U.S. Resume

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.

  • Recent graduate: if you have no experience, focus on your academic background, highlighting valuable projects, professional internships, volunteer work, and personal projects.
  • Professional with experience: adapt the example to your own work history and use the XYZ formula to highlight your professional achievements.

Common Mistakes to Avoid When Writing a Resume in the U.S.

Here are some things to avoid when writing your resume.

  • Using the same resume for every job: try to tailor your resume to the job you are applying for.
  • Including a photo or unnecessary personal details: remember that in the United States, this data is irrelevant.
  • Poorly translating key terms: if you have doubts about how to translate a term from Spanish to English, consult a translator or compare different sources on the internet.
  • Making it too long: your resume should not exceed one page; otherwise, it may be discarded even if you have the necessary skills.
  • Using a graphic-heavy design that doesn’t pass ATS filters: you may think that recruiters like resume templates with eye-catching designs, but the truth is that they are unlikely to pass ATS filters.

Común, Your Ally for Financial Stability in the United States

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!

  • Open a checking account with a qualifying official identification from your home country.
  • Mobile app available in Spanish and English.
  • Easily receive payments from employers, cash checks, and send international money transfers to Latin America.

Discover Común, the option dedicated to meeting the needs of immigrant communities in the United States with services available in Spanish.

Frequently Asked Questions (FAQ)

If you still have questions, check out the next section.

Is It Necessary to Include References in the Resume?

It’s not necessary to include references in your resume, as companies usually request them later in the hiring process.

What Are the 3 Most Important Details in a Resume?

The 3 most important details are: contact information, professional experience, and skills.

What Language Should My Resume Be In When Applying in the U.S.?

The resume format used in the U.S. is becoming common in other countries, so the language should match the job posting.

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Financial Education

How to Emigrate to the United States: Practical Guide and Helpful Tips

8 min de lectura

Complete Guide to Emigrating to the United States

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.

Main Options to Emigrate to the United States

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:

Employment

If your goal is to find job opportunities in the United States, you need to understand the work visa options.

  • H-1B visa: for specialized professionals with a university degree or equivalent experience.
  • H-2B visa: temporary non-agricultural workers.
  • H-2A visa: temporary agricultural workers.
  • TN visa: (NAFTA/USMCA) for Mexican and Canadian citizens in specific professions.
  • EB-5 visa: for investors able to create at least 10 U.S. jobs. Also a pathway to permanent residence.

Family

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.

Visa Lottery

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:

  • Be from an eligible country.
  • Have a high school education and at least two years of experience in an occupation.
  • Complete the online form during October–November.

Other options

Lastly, there are other alternatives for foreign nationals who don’t fit the categories above.

  • Student visa (F-1 or M-1).
  • Exchange visitor visa.
  • Asylum or refugee status.
  • Humanitarian parole or special programs.

Step-by-Step to Start Your Immigration Process

Below is the visa application process step by step.

Step 1. Research the most viable path for your profile.

First, analyze your goals in the U.S. and which visa category best fits your profile.

Step 2. Estimate process costs and initial cost of living in the U.S.

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.

Step 3. Gather required documents (certificates, passports, diplomas, records, proof of income, etc.).

Each visa type requires specific documents; below is a general list of the most important items.

Valid passport.

  • DS-160 (temporary visas) or DS-260 (immigrant visas).
  • Proof of consular fee payment.
  • Recent visa-style photo (2x2 inches).
  • Job offer letter.
  • USCIS employment authorization document.
  • Academic certificates, diplomas, professional degrees.
  • Proof of work experience.
  • Proof of financial solvency or bank statements.

Step 4. If needed, improve your English before emigrating.

While the immigrant community is large, you’ll still need at least basic English to communicate.

Step 5. Check USCIS official sources to confirm current forms and fees.

Forms and fees vary by visa type. Always consult USCIS official information.

Also keep these practical tips in mind to avoid common mistakes.

  • Avoid unlicensed consultants.
  • Don’t make payments on unofficial sites. Make sure URLs end in .gov.
  • Keep digital copies of all official documents for easy backup.

State Options for Emigrating to the U.S. and Costs to Consider

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

Helpful Tips for a Successful Transition

Emigrating requires financial, legal, and emotional preparation. These tips help you transition more smoothly.

  • Once in the U.S., open a checking account to facilitate payments and salary deposits.
  • Create an initial budget for the first 3–6 months.
  • Line up temporary housing before traveling—family or friends if possible.
  • Learn how the healthcare system and insurance work.
  • Learn how credit history works and how to start building it.

Build Your New Financial Life in the U.S. with Común

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.

Frequently Asked Questions (FAQ)

If you still have questions, see the section below.

How much money do I need to emigrate to the United States?

Costs depend on the visa type—check USCIS’s official site. Also include travel, housing, and basic living expenses.

Which visas are faster to emigrate with?

The TN visa takes about 2–8 weeks; temporary work visas take around 3 months.

What happens if my application is denied?

You can request a review or appeal and make the necessary corrections. If not accepted, you may submit a new application.

‍

Financial Education

5 requirements to renew your Mexican passport in the U.S.

8 min de lectura

Everything you need to know to renew your Mexican passport

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.

Why keeping your Mexican passport 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?

  • Avoid travel delays 

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.

  • Handle consular procedures 

A passport is essential for immigration procedures you may need in the U.S., such as visas and permanent residence processing.

  • Serves as official ID 

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.

  • Avoid legal issues 

An expired passport could cause problems with U.S. immigration authorities and, in turn, jeopardize your ability to remain in the country.

Who can renew their Mexican passport in the United States?

The following documents are basic requirements to obtain a new passport: 

  • Previous passport, even if expired. 
  • Mexican birth certificate.
  • Valid official ID.
  • CURP (Unique Population Registry Code).

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:

  • School ID or proof of enrollment. 
  • Proof of address for the parents. 

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: 

  • Medical certificate proving the disability.
  • If the person cannot legally sign the authorization, parents or guardians must appear with identification proving their status. 

Note that some Mexican consulates offer priority services for these needs.

5 requirements and documents needed to renew your Mexican passport

Before booking a consular appointment, make sure you meet the requirements to renew your Mexican passport.

1. Previous passport 

  • For minors, include the authorization signed by both parents. 
  • In cases of theft or loss, a special declaration is required.
  • Passports issued before 1995 may not be digitized in the Foreign Affairs Ministry database, so additional documentation may be required.

2. Certified birth certificate 

This is a basic document proving Mexican nationality. Make sure you obtain a certified copy issued by the Civil Registry.

3. CURP 

The Unique Population Registry Code (CURP) is essential to confirm personal data.

4. Required payment 

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.

5. Original identification 

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.

How to book your appointment and what to expect on renewal day

Step 1. Book the appointment 

Booking an appointment is essential to renew your passport. 

Step 2. Prepare your documents 

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.

Step 3. Attend the appointment

Arrive on time and present your documents in order. Once processed, you’ll receive your passport.

Additional tips to renew your Mexican passport without setbacks

An expired passport could cause easily avoidable setbacks and difficulties. Below are some tips to help you keep your official documentation up to date.

  • Check your passport’s validity in advance before planning trips: don’t forget to take the expiration date into account. Consider setting reminders on your phone 6 months before it expires.
  • Make copies of all important documents: it’s essential to keep backups of your official documents. Also consider digitizing them for convenience.
  • Use only the SRE’s official channels to book appointments; if you have questions, contact the SRE’s official channels only.
  • Arrive early to your appointment and organize your documents in a folder: avoid day-of delays that could slow your process.
  • Verify the payment method and fees before your appointment: if you’re not sure whether your preferred payment method is accepted at the consulate, ask directly before your appointment.

Común: the next step after renewing your passport

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?

  • Open your checking account at Común with your passport or another qualifying official ID from your country of origin.
  • Mobile app available in Spanish, intuitive and secure.
  • Remittance transfers to Mexico and Latin America in a simple way and with clear, competitive fees

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!

Frequently Asked Questions (FAQ)

If you still have questions, see this section.

Can I pay for my Mexican passport renewal with a credit card at the consulate?

Yes, credit card is an accepted payment method.

How do I renew my Mexican passport if it was stolen or lost in the U.S.?

You must present a theft or loss report issued by the local police and complete the loss declaration form at the consulate.

What documents do I need to renew my Mexican passport in the United States if I am a minor?

Mexican birth certificate, official ID, official IDs for both parents or guardians, and their in-person presence at the consulate.

Do I need a specific immigration status to renew my Mexican passport in the U.S.?

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

Learn about the 11 U.S. holidays and how they affect you

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.

What are holidays in the United States?

U.S. holidays are special dates commemorating historical or cultural events. They may be observed at the federal or state level.

  • Federal holidays

These are declared by the federal government. On these dates, banks, government offices, and federal services close. One example is Independence Day.

  • State holidays

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.

List of national holidays in 2025

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.

New Year’s Day – January 1

Celebration of the start of the year. Banks and public offices remain closed.

Martin Luther King Jr. Day – third Monday in January

Honors the memory of civil-rights leader Martin Luther King Jr.

Presidents Day – third Monday in February

Commemoration honoring George Washington and all U.S. presidents.

Memorial Day – last Monday in May

Commemorates members of the Armed Forces who died in service.

Juneteenth – June 19

Marks the end of slavery in the United States.

Independence Day – July 4

Celebration of the Declaration of Independence. One of the most important holidays.

Labor Day – first Monday in September

Celebration dedicated to the nation’s workers.

Columbus Day – second Monday in October

Marks Christopher Columbus’s arrival in the Americas in 1492.

Veterans Day – November 11

Commemoration recognizing all who served in the Armed Forces.

Thanksgiving Day – fourth Thursday in November

A family tradition dedicated to giving thanks for the harvest and the good moments of the year.

Christmas Day – December 25

The birth of Jesus; a widely observed religious and cultural celebration.

How holidays impact immigrants and families

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.

Work:

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.

Finances:

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.

Schools and procedures:

Public and private schools close on federal holidays. USCIS staff also do not work, so immigration processes are delayed.

Tips to organize your money and time

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.

Culturally important celebrations in the U.S. for immigrants

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.

Battle of Puebla – May 5

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.

Mother’s Day

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.

Father’s Day

Observed on the third Sunday in June, though it can vary. It’s a day of family togetherness for many immigrants.

Halloween – October 31

A tradition that crosses borders; it’s very popular among immigrant communities who enjoy dressing up and having fun with kids.

Valentine’s Day – February 14

A popular holiday to celebrate love and friendship, spend time together, and give and receive gifts.

Day of the Dead – November 1–2

A Mexican tradition honoring the departed through altars, food, flowers, and music.

Organize your finances on holidays and send your money with Común

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.

Frequently Asked Questions (FAQ)

If you still have questions, see this section.

What happens with banks and remittances on holidays?

On national holidays, banks and post offices are closed. This means money transfers can take 1–2 extra days to complete.

Do all workers receive extra pay on holidays?

The law doesn’t require double pay on holidays, but some employers offer this benefit.

What are the most important holidays for the immigrant community?

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

Requirements to rent a house in the United States if you are an immigrant

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.

What do you need to rent in the United States?

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:

Personal identification

It’s very important to verify your legal identity. Landlords or real estate agents may ask for one or more of the following documents:

  • Valid passport.
  • Visa or resident card.
  • Driver’s license.

Financial solvency

To demonstrate you have sufficient solvency to cover the monthly rent, you can provide several documents, such as:

  • Proof of income, such as pay stubs, tax returns, or bank statements.
  • Employer letter or employment contract.
  • It is also common to be asked for a security deposit equal to one month’s rent, which serves as a guarantee in case of damage to the property.

Credit history

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.

Local guarantors

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:

  • Government-issued ID.
  • Proof of income.
  • Good credit history.

Renting in the United States: Process and leasing options for immigrants

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:

  • Furnished houses or apartments.
  • Unfurnished houses or apartments.
  • Individual rental.
  • Shared rental.

Regardless of the type of property you’re looking for, we recommend following these steps to rent a house or apartment.

1. Explore and select the property

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.

2. Evaluate the offer conditions

Carefully analyze the lease terms, such as price, property description, requirements, and restrictions.

3. Submit your rental application

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.

4. Visit the property

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.

5. Submit the required documentation

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.

6. Review and sign the lease

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.

Three key tips for a safe, hassle-free first rental

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.

Research the housing market

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.

Use multiple search methods

Don’t limit yourself to a single method. Alternate among websites, mobile applications, classifieds, and even the help of a real estate agent.

Avoid scams

It’s essential to stay alert to potential scams. Apply these tips and stay safe:

  • Make sure the agent or brokerage is registered and has reliable references.
  • Do not make any payment before personally visiting the property and having a contract formalized before a notary.
  • Use only recognized platforms and portals.
  • Be wary of last-minute offers or listings that seem “too good to be true.”
  • Avoid using cash when finalizing the rental.
  • Review each clause of the contract in detail before signing.

Considerations before choosing a home

Before choosing a house or apartment to rent, it’s important to consider several factors, for example:

  • Location:

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.

  • Neighborhood:

Research the type of neighborhood, safety, infrastructure, recreational areas, community profile, and any other information you consider significant for making a decision.

  • Rental cost:

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.

Payments and deposits

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.

Maintenance and repairs

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.

Tenant legal protections

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.

Make your rent payments online safely and conveniently with Común

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!

Frequently Asked Questions

If you still have questions, check our FAQs.

How much does rent cost in the United States?

The national average for rental housing is around $2,100 USD.

Where is it cheaper to live in the United States?

Cities such as Laredo, Texas, and Toledo, Ohio report the most affordable living costs.

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Financial Education

How to fill out a money order: step-by-step guide

8 min de lectura

How to fill out a money order

A money order is a prepaid paper payment often used for rent, bills, or sending money securely through the mail. To fill one out correctly, you need to add the recipient's name, your information, sign the front, and keep the receipt for tracking or replacement purposes.

Money orders are still widely used in the United States, especially for situations where people need a secure paper payment method. Even in 2026, many landlords, utility companies, government offices, and individual recipients continue to accept or require money orders for certain payments.

For many people, especially immigrants, newcomers to the United States, or people without a traditional bank account, money orders can feel more accessible than personal checks. Filling out a money order incorrectly can cause delays, make the payment invalid, or create problems if the money order is lost. Knowing exactly what information to write and where to write it can help avoid unnecessary stress.

What is a money order?

A money order is a prepaid paper payment that works similarly to a check. Instead of drawing money directly from a bank account, you pay the full amount upfront when purchasing the money order.

Once completed, the money order can usually be:

  • Mailed to a recipient
  • Deposited into a bank account
  • Cashed at approved locations

Because the payment is prepaid, money orders are often considered safer than mailing cash. Money orders are commonly used for:

  • Rent payments
  • Utility bills
  • Government fees
  • Payments sent through the mail
  • Sending money to family members
  • Situations where personal checks are not accepted

Most money orders also include a receipt or tracking number that can help verify whether the payment was cashed. Unlike many digital payment apps, money orders are not typically trackable in real time.

When to use a money order vs other options

Money orders can still make sense in certain situations, especially when:

  • A landlord only accepts money orders
  • You do not have a U.S. checking account
  • You need to mail a secure payment
  • The recipient does not use digital payment apps
  • You do not want to share banking information

Where to buy a money order

USPS (United States Postal Service):

One of the most common places to buy money orders. Domestic money orders typically cost between $1.45 and $1.95. USPS money orders never expire.

Walmart:

Many Walmart locations offer money orders through MoneyGram services. Fees can be lower than traditional banks, although limits apply depending on the location.

Western Union:

Western Union locations also sell money orders. Some stores offer extended hours.

Banks and credit unions:

Some banks and credit unions issue money orders to account holders. Fees may vary depending on whether you already bank with the institution.

Step 1: Fill out the recipient's name

Write the recipient's full legal name in the "Pay to," "Pay to the Order of," or "Payee" section.

Tips:

  • Write clearly using black or blue ink
  • Double-check spelling
  • Avoid nicknames unless specifically requested
  • Do not leave this section blank

If the name is incorrect, the recipient may have trouble depositing or cashing the money order. Once the recipient's name is written, only that person should be able to cash or deposit the money order with valid identification.

Step 2: Fill out the sender's name and address

Write your own information in the purchaser or sender section. The form may ask for: full name, address, city and state, phone number. This helps identify who purchased the money order if there is a problem later.

Step 3: Sign the front and add a memo

Sign only where the purchaser or sender is instructed to sign on the front.

Do not sign the back.

The back is reserved for the recipient when they cash or deposit the money order.

Some money orders also include a memo or account number section. Examples: apartment number for rent, utility account number, invoice number, purpose of payment.

Step 4: Keep your receipt

The receipt usually contains: tracking information, serial number, purchase amount, date of purchase.

Keep the receipt until the money order has been cashed or deposited successfully. If the money order is lost, stolen, or delayed, the receipt may help you: request a replacement, verify whether it was cashed, contact customer support, file a claim.

Common mistakes to avoid

Leaving fields blank:

Fill out the money order completely before handing it over or mailing it.

Using incorrect recipient information:

Misspelled names or incorrect business information can delay the payment process.

Signing the back:

Only the recipient should sign the back of the money order.

Throwing away the receipt:

Always keep your receipt until the payment is confirmed.

Using pencil or unclear handwriting:

Use permanent ink and write clearly.

Mailing cash instead:

Money orders are generally safer than sending cash through the mail.

Alternatives to money orders (digital options)

Common digital alternatives include: Venmo, Cash App, bank transfers, debit card payment apps.

For people who regularly send money within the United States or to Latin America, Común offers digital transfer options through ComunPay.

ComunPay allows eligible users to send money using: payment links, QR codes, phone numbers, email addresses, usernames, debit cards. Unlike traditional mailed money orders, digital transfers inside apps can usually be tracked directly from the phone.

Común also offers international remittances to Latin America starting at $2.99.

Choosing the right payment option for your needs

Money orders continue to play an important role for many people in the United States, especially for rent payments, government forms, mailed payments, or situations where paper documentation is preferred. For everyday sending between family members, friends, or trusted contacts, digital payment tools may feel more practical and easier to track.

FAQ

How much does a money order cost?

Money orders typically cost between $1.45 and $10 depending on the issuer, amount, and location. USPS money orders commonly range from $1.45 to $1.95.

Can a money order be cashed by anyone?

No. Once the recipient's name is written, only that person should be able to cash or deposit it with valid identification.

How long is a money order valid?

Many money orders do not expire. USPS money orders do not expire.

What happens if I make a mistake on a money order?

Avoid crossing information out. Contact the issuer about replacement options.

Can I track a money order?

You can usually verify whether it was cashed by contacting the issuer with your receipt information.

What is a digital alternative to a money order?

Venmo, Cash App and ComunPay for peer-to-peer transfers. Común also offers international remittances to Latin America starting at $2.99.

Común is a financial technology company and not a bank. Banking services are provided by Community Federal Savings Bank, Member FDIC. The Común Visa® Debit Card is issued by Community Federal Savings Bank. Peer-to-peer payments services are provided by Cross River Bank. No minimums, no maintenance fees. Remittance service provided by Service UniTeller, Inc. Remittance fees start at $2.99 but may vary. Común Inc. may earn revenue from the conversion of foreign currencies.

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Financial Education

What to Do if Your Bank Account Is Compromised: Immediate Actions

8 min de lectura

If you suspect your account was compromised, act immediately: lock your card from the app, review your recent activity, and contact support. With Común, locking your card is instant and support is available 24/7.

Recognizing the Signs of Identity Theft and a Compromised Account

The first step is recognizing the signs that your bank account may have been compromised. Unusual or suspicious transactions, unexpected changes to your account details, and alerts or notifications from your bank that you didn't trigger are clear indicators. Getting text or email alerts about activity you didn't do can also mean your account has been hacked. Staying alert and regularly reviewing your account activity can help you catch these signs early if your bank account is hacked.

Immediate Actions to Take When You Notice Suspicious Activity

1. Contact Your Bank Immediately. If you suspect your account has been compromised, call your financial institution directly. Most banks have a dedicated fraud department that can freeze your account to prevent further unauthorized transactions. Acting quickly is crucial to protecting your hard-earned money.

2. Change Your Account Passwords. Immediately change your online account passwords and any other online accounts linked to your financial information. Make sure your new passwords are strong, unique, and different from passwords you've used before.

3. Monitor Your Account for Further Activity. Keep a close eye on your account for any additional suspicious activity. Regularly review your bank statement and account activity, and report any discrepancies to your bank. Setting up text and email alerts for transactions can help you stay on top of your account status.

Learn how to monitor your accounts here

4. Report the Fraud. File a report with your bank's fraud department. Also report the incident to the Federal Trade Commission (FTC) and consider filing a police report. This can help protect your credit report and prevent further identity theft.

Additional Precautions: Enable Two-Factor Authentication

[Image: homepage of bank app — keep image as-is]

To Prevent Future Incidents, Take These Additional Security Measures:

1. Secure Your Devices. Make sure your devices are protected with the latest antivirus protection and security updates. Avoid using public Wi-Fi for online banking.

2. Enable Two-Factor Authentication. Turn on two-factor authentication (2FA) for an extra layer of security on your bank accounts and other online accounts. This makes it harder for unauthorized users to access your accounts.

3. Be Careful What You Share. Be careful about the information you share online, and avoid providing sensitive information like your Social Security number through unsecured channels. Watch out for phishing emails and malicious links that can lead to a compromised account.

4. Use Strong, Unique Passwords. Make sure to use strong, unique passwords for all your other accounts. Avoid reusing the same password across multiple accounts, and change your passwords regularly.

5. Set Up Fraud Alerts. Consider setting up fraud alerts with your bank and credit bureaus. This can help you stay informed about any suspicious activity on your accounts.

We'll show you how to open a bank account in the United States

Común's Security Features

At Común, we prioritize the security of our customers' accounts, just like leading financial institutions. Our platform includes advanced security measures like encryption and real-time monitoring to protect your financial information. If you ever suspect fraudulent activity, our customer service team is available to help you right away. Just send us a message through the Común app, and we'll walk you through the steps needed to secure your account.

Open your bank account¹ in 3 minutes with your country's ID²

  • No minimum balance fees
  • Get paid up to 2 days early³
  • Send money to your home country safely
  • And much more!

Open your account!

Conclusion

Quick action is crucial when it comes to a compromised bank account. By recognizing the signs, taking immediate action, and using strong security features, you can protect your finances and regain control of your accounts. Stay alert and proactive to keep your bank account secure. Remember, responding quickly can prevent further losses and ensure your money stays in your hands.

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What are the signs my account was compromised?

Transactions you don't recognize, unexpected changes to your account details, or alerts about activity you didn't start.

What should I do right away if my account was compromised?

Lock your card instantly from the app, review your recent activity, and contact support to report the suspicious activity.

How do I contact Común support in an emergency?

Through in-app chat, email, phone, or WhatsApp, available 24/7.

Frequently asked questions

How do I know if my account was hacked?

Common signs include transactions you don't recognize, changes to your contact details, or alerts about activity you didn't start.

Can I lock my Común card myself if I suspect fraud?

Yes, you can lock it instantly from the app without needing to call support first.

What should I check first if I think my account was compromised?

Review your recent activity in the app to identify any transaction you don't recognize.

How do I report suspicious activity on my Común account?

Contact support through chat, email, phone, or WhatsApp, available 24/7.

Am I responsible for fraudulent transactions if I report them quickly?

Reporting right away reduces your liability; exact protections depend on the circumstances.

How do I protect my account going forward?

Turn on app notifications, review your activity regularly, and never share your access codes, even with someone claiming to represent Común.

Instant payments

How to send money to someone using Zelle from Común: 2026 guide

8 min de lectura

With Común you can link a debit card from another U.S. bank to your account — no Común physical card required — to send and receive money right away, even if you don't have funds in your balance.

How do I link an external card to my Común account?

In the app, go to the external cards section and add your debit card from another U.S. bank (Bank of America, Wells Fargo, Chase, or another). Común verifies the card is yours with a micro-deposit of less than $1.00 that you confirm in the app — we'll never ask for your bank password.

What can I do once the card is linked?

Send and receive payments and remittances using that card, even if your Común balance is $0. This is useful if you just opened your account and don't have your physical card yet, or if you prefer to keep your main money in another bank while using Común to move payments.

What cards can I link?

Valid debit cards, issued in the U.S., in your name, that allow sending and receiving funds. You can add up to 2 cards during your first 60 days with the account. Credit and prepaid cards aren't accepted.

Frequently asked questions

Do I need my physical Común card to send money?

No, if you have a linked external card, you can send and receive money right away without it.

Which banks can I link?

Any U.S. bank that issues debit cards in your name — Bank of America, Wells Fargo, Chase, and many others.

How does Común verify the card is mine?

With a micro-deposit of less than $1.00 to the linked account, which you confirm in the app. That money is yours to keep.

How many external cards can I add?

Up to 2 debit cards during your first 60 days with the account.

Why was my card rejected?

The most common reasons: the name doesn't match your account, it's a credit card, or it wasn't issued in the U.S.

Is it safe to link an external card?

Yes — Común never asks for your bank password or sensitive information during the process.

Instant payments

How do I send money through Xoom? Your complete 7-step guide

8 min de lectura

Today, sending money to other countries has become a basic need for millions of immigrants living in the United States.

According to the IDFR ( International Day of Family Remittances) campaign in 2025, over the last decade, immigrants sent around 5 trillion dollars in remittances to their countries of origin, which are essential for food, housing, health, and other basic expenses.

To meet this need, there are applications such as Xoom, a PayPal service for transferring money using various payment methods and in a secure manner.

In this guide, we will review how to send money with Xoom step by step, its main features, and some alternatives to connect with your family outside the U.S.

What is Xoom, and is it safe to send money with this service?

Xoom is a digital transfer network owned by PayPal that operates entirely online and offers different sending options to facilitate transactions.

It has become one of the most popular options for making international digital money transfers, due to the backing provided by PayPal, which gives users a sense of security.

In addition to PayPal’s backing, Xoom has high security standards for transferring money, such as SSL encryption and the VeriSign seal.

Additionally, its services are available to send money from the United States to more than 70 countries, including Mexico, Guatemala, Honduras, Peru, among others.

7 detailed steps to send money with Xoom

To send money through Xoom, just follow the steps below.

Access Xoom (web or mobile application) and sign in or register

You can choose to log in via the website www.xoom.com or the mobile application. Once there, sign in or open an account with your email address. You can also use your PayPal account to access.

Select the destination country and the amount to send

Choose the country to which you want to send the transfer. Then you will see the sending options available for the selected destination.

Choose the sending method

Xoom offers the following payment methods:

  • Bank deposit
  • Cash pickup at physical locations, such as Oxxo or Elektra
  • Mobile top-up
  • Bill payment
  • Cash delivery

Provide the recipient’s details

The information you must enter is:

  • Full name, as it appears on their official ID
  • Address
  • Phone number
  • Bank account (if applicable, depending on the sending method)

Select your payment method

Next, enter the amount you want to send and select the payment method, among which are:

  • Linked bank account
  • Debit card or credit card
  • Available balance in your PayPal account

Review and confirm the transaction

Before confirming the transfer, Xoom will display the details so you can verify they are correct, along with the amount corresponding to fees, as well as the exchange rate used for the currency conversion.

Track your transfer with the tracking number

Obtain a tracking number and check the status of your transfer directly in Xoom’s application or website.

Key aspects to consider when using Xoom

Although Xoom is a popular alternative for making fast and secure transfers, it is important to consider several aspects before choosing this option.

Sending fees

Xoom’s sending fees are not fixed; they depend on the destination country, the amount to send, and the payment method.

Generally, the most expensive method is with a credit card and the least expensive is through an  account.

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Platform Fee Exchange rate Delivery time Delivery options
Xoom From 2.99 USD, depending on the sending type Less favorable Minutes to hours Bank deposit, cash pickup, home delivery
Común Fee starting at 2.99 USD, up to the applicable limits Competitive (Clarification: Results may vary depending on destination country and sending method) Minutes Cash pickup, bank deposit

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Exchange rate

The exchange rate can be another drawback because, in addition to being calculated directly on Xoom’s platform, it varies depending on the selected transfer method.

Sending limits

Xoom imposes sending limits that depend on each account’s verification level. For unverified users residing in the U.S., the daily limit is $2,999 USD. By contrast, verified users can send up to $10,000 or $50,000 USD per day, depending on their verification level.

Receiving options

Xoom has different receiving options, but they may vary depending on the destination country.

In general, it is possible to send money for cash pickup at different payout locations, by bank deposit, top-up, or bill payment.

Security and reliability

Xoom is backed by PayPal, in addition to SSL/TLS encryption to protect your financial information and anti-fraud monitoring to ensure your money reaches its destination.

Delivery times

Generally, money transfers via debit card and cash are reflected within minutes. However, other sending methods, such as bank deposit, can take from 1 business day.

The total time will appear before you confirm your transaction in Xoom’s application or on its website.

Accessibility

Xoom is also available in Spanish and, overall, is easy for migrants in the United States to use.

Modern alternatives to sending money with Xoom: Why is Común a smart choice?

Sending money outside the U.S. is essential, as is having efficient international transfer services such as Xoom. However, there are also more innovative options that offer you greater advantages and lower costs so that your family and friends receive much more.

Común is an innovative and comprehensive financial service that meets the financial needs of users living in the United States, especially immigrants. Unlike Xoom, Común has a specialized focus and transparent fees.

With Común:

  • Open your account with an official ID from your country; more than 100 identifications are accepted.
  • After your first free transfer, pay a fee starting at $2.99 USD per transfer, up to the applicable limits.
  • Access customer service in Spanish and English, available 24/7.
  • Get a Visa debit card to make purchases at physical merchants.
  • Manage your finances from Común’s mobile platform, where you can sync your external bank account and manage your finances from the Común platform.

Still unsure which option is most convenient for sending money? Discover Común and get to know the easy and safe side of finance.

Frequently asked questions

If you want to learn more, see our FAQ section

How do I send money from Mexico to the United States using Xoom?

It is not possible to send money from Mexico through Xoom, since it only allows transfers from the United States, Canada, and other European countries.

How long does it take for money to arrive via Xoom?

Depending on the sending method, it ranges from minutes to up to 3 business days.

Is it safe to use Común to send money to Latin America?

Yes, Común has the necessary security measures in place to keep your money and personal data safe.

Can I use Común even if I don’t have a PayPal account?

Yes, Común is an independent platform from PayPal, and you can open an account with official ID from your country.

Can I make cash deposits if I don’t have a bank account in the U.S.?

Yes, Común allows you to deposit cash at numerous locations near you.

Living in the United States

What are the school grades in the United States? Ages and equivalencies

8 min de lectura

Do you have children about to enter school in the United States? Understanding the U.S. education system is essential for adapting to a new culture and preparing for the differences compared with your country of origin.

Broadly speaking, the U.S. education system is divided into three stages: Elementary School, Middle School, and High School. Each plays a specific role in students’ academic journey. This system covers ages 5 through 18 and forms the central framework of schooling in the country.

In this article, we explain each of these stages and detail their purpose to demystify how students progress through the system and its educational levels in the United States.

Levels of the U.S. education system: Everything you need to know

In the United States, it is common for children to begin schooling around age 5. After kindergarten, it is divided into 12 grade levels.

Below, we show how the U.S. education system is structured.

Early childhood education

Early childhood education or preschool is not mandatory in the United States. However, it is common for children under age 5 to attend pre-K (preschool) or kindergarten.

These centers focus on young children’s cognitive development through play and early literacy activities. For this reason, there is no grading system. Kindergarten is offered through private and public options or via the Head Start social assistance program for low-income families.

Elementary school

After that, children will enter primary education or Elementary school starting around age 6, depending on the school district.

This level typically covers 1st through 5th grade and is characterized by the gradual introduction of more advanced knowledge, with the aim of building cognitive and social development through learning skills such as mathematics, science, and language, among others.

  • Characteristics: students generally have the same teacher for almost all subjects, except for those requiring specialized knowledge, such as physical education.
  • Grading system: it can vary by district, but it is common for students to be assessed using a letter scale—A, B, C, D, and F—or, alternatively, a numeric scale from 1 to 4.
  • Approximate Ages: between 6 and 11.

Middle school (junior high school)

After finishing primary education, students continue with Middle school, which typically covers 6th through 8th grade. It is a transitional stage between primary and secondary education.

  • Characteristics: students have a different teacher and classroom for each subject, which promotes independence and socialization.
  • Grading system: the formal A through F system is typically being used.
  • Approximate Ages: between 11 and 14.

High school

The next level is secondary school or High school, typically covering grades 9 through 12. It culminates in the High school diploma, a basic requirement to continue with higher education or enter the job market.

  • Characteristics: in addition to required subjects such as English, math, and science, students can complement their education with electives and extracurricular activities.
  • Grading system: both the A–F letter scale and the GPA (Grade Point Average) are generally used; GPA serves as an indicator of academic performance and is key for college admission.
  • Approximate Ages: between 14 and 18.

Postsecondary education

Postsecondary or higher education in the United States includes different types of programs as well as private and public schools. Although it is not strictly mandatory, it provides more opportunities for good jobs and higher earnings.

These are the types of higher-education institutions in the U.S.

Public or private universities

  • They offer a curriculum lasting approximately 4 years.
  • Upon completion and passing of the program, graduates receive a Bachelor’s degree.
  • The admission process depends on prior academic performance, reflected in the GPA.
  • There are public universities funded by the government and private universities as well.

Community colleges

  • These are public colleges offering educational programs that last 2 years.
  • Upon completing this program, students earn an Associate’s degree, equivalent to a technical program.
  • They are more accessible than a university, and admission rates are also higher.

If you need to send money to another country, explore some options and tips.

Technical or vocational institutions

  • They focus on acquiring knowledge related to practical trades, such as nursing, graphic design, and programming.
  • They also offer certificates to recognize completed studies.

The U.S. education system can be somewhat confusing compared with other countries, such as some in Latin America. Below is a comparison table to clarify general equivalencies, keeping in mind that there are variations in each country.

Grade level in the United States Typical Ages Equivalence in Mexico
Preschool3–4 yearsPreschool/kindergarten
Kindergarten5–6 yearsFinal year of preschool
1st grade6–7 years1st year of elementary
2nd grade7–8 years2nd year of elementary
3rd grade8–9 years3rd year of elementary
4th grade9–10 years4th year of elementary
5th grade10–11 years5th year of elementary
6th grade11–12 years6th year of elementary (start of Middle school in some countries)
7th grade12–13 years1st year of Middle school
8th grade13–14 years2nd year of Middle school
9th grade14–15 years3rd year of Middle school (may be the final year of secundaria or 1st year of High school)
10th grade15–16 years1st year of High school
11th grade16–17 years2nd year of High school
12th grade17–18 years3rd year of High school
Postsecondary education18 and upUniversity

How does the school year work in the United States? Key aspects

The U.S. education system is characterized by flexibility to adapt to students’ abilities and interests in order to foster their full potential.

For this reason, it is common for students to be placed into specific classes according to their learning level, which may be more or less challenging.

  • Placement depends on several factors, such as:
  • How well the student understands English or their test scores—especially for foreign students
  • Recommendations from parents/guardians
  • Standardized test scores and prior academic performance
  • Willingness to complete challenging assignments
  • The student’s interest or motivation
  • Teacher or counselor recommendation
  • Examples of student work demonstrating their level of understanding and skills

Another relevant aspect to consider is the school calendar and schedule in the United States. These can vary by state and school district, but in general the school year begins in late August or early September and ends in late May or early June.

How to manage your finances in the United States with Común

As you can see, the U.S. education system is intentionally designed to guide students from basic education through higher studies and, afterward, into working life.

Each level has a clear function, which makes it easier for families, students, and educators to plan and provide support in order to make more informed decisions along the school path.

Without a doubt, your children’s education is one of the most important investments, because it is a way to secure their future.

Común is the ideal financial platform to help you manage tuition payments and handle school expenses for higher education.

Común is a financial platform with a mobile app that makes it easy to open accounts in the U.S. with a qualified official ID from your country of origin, send low-cost remittances, and provide bilingual Spanish and English language support for the immigrant community.

Learn about all the benefits of opening an account with Común for you and your family.

As an immigrant, Común allows you to open an account with a qualified official ID from your country, with no hidden fees and bilingual Spanish and English language support.

Frequently asked questions

If you still have questions, consult our Q&A section.

How do you enroll your child in school?

Go to the school district where you live to find out which school corresponds to your address. Complete the required documents and the enrollment application.

Requirements may vary by state or school district, so it is important to verify directly with your local school.

What is the difference between a public and a private school in the United States?

Public schools are funded by government tax revenues, while private schools are funded by tuition.

What do Freshman/Sophomore/Junior/Senior mean?

These are the terms used in U.S. high schools and universities to indicate year level

  • Freshman: 1st year
  • Sophomore: 2nd year
  • Junior: 3rd year
  • Senior: 4th year

What is needed to enter school in the United States?

  • Minimum age depending on the level
  • Birth certificate
  • Up-to-date vaccination record
  • Proof of residence in the district

Financial Education

How does cashback reward work? 3 practical tips to make the most of it and improve your finances

8 min de lectura

One way to improve personal finances and optimize expenses is to apply modern, automated savings alternatives linked to daily purchases through various payment methods.

Los programas de recompensas con reembolso son una alternativa para que tu dinero rinda más, ya que ofrecen recompensas que te permiten obtener reembolsos en tus compras.

There are different ways to access these types of benefits: through automatic promotions from some credit cards, shopping platforms that reward users for shopping at their partner stores, and certain mobile applications that credit cashback for purchases like fuel.

Knowing and applying these strategies will help you improve your financial management and reduce your worries. Comun is the platform that helps you improve your financial relationship and make your life easier.

Below, we’ll explain how cashback reward works and share some tips to get the most out of it with the right financial platforms.

What is cashback and how does it work?

Cashback can be understood as a discount on your purchases. You earn cashback after buying a qualifying product or at a participating store.

Cashback appears in everyday purchases — for example, when you go to a café and pay with an eligible card, when you shop through an app that offers this benefit, or when you pay for gas with a cashback-enabled card.

Although the ultimate goal of cashback is to reduce part of the cost, it has some differences compared to traditional discounts.

Cashback Reward

Traditional discounts

Definition

Returns a percentage of your purchases after you make them.

Reduces a product’s price before purchase.

Advantages

  • Generates passive savings, even with regular prices. Some programs combine other additional benefits.
  • Immediate savings. 
  • Available to all users, please note some might require registration.

Disadvantages

The cashback reward can take several days or weeks to be credited. Available only with participating cards or mobile apps.

  • Availability depends on each store or seller. 
  • Most discounts cannot be combined with other promotions.

The cashback reward varies depending on the financial institution or program offering it. To calculate it, use the following formula if cashback reward is by percentage:

Total Cashback Reward = (purchase amount) × (cashback percentage)

For example, if your debit or credit card offers 2% cashback and you spend $100, you get $2 back.

Here are the some of the ways to receive the cashback reward, depending on the program:

  • Automatic deposit into the same account used.
  • Balance accumulated in points until reaching a minimum withdrawal amount.
  • As a credit valid for future purchases.

Benefits of cashback reward for your personal finances

Cashback reward is a very useful tool to make the most of every dollar spent, saving amounts that might seem small at first but make a difference later when buying essentials.

Therefore, cashback reward encourages financial education by promoting consistency and smart shopping habits.

Here are some practical advantages of cashback reward:

  • You recover part of your spending: every time you make a purchase, you could earn some money back.
  • Better expense control: generally, cashback reward providers offer a mobile app where you can view your expenses by category.
  • Take advantage of offers without hurting your budget: cashback rewards you for making your usual purchases without falling into compulsive spending habits.

Remember that consistency is key when using cashback reward to ease future expenses such as gas, groceries, or medicine — and to increase your ability to save and send more money to your loved ones in your home country.

3 practical tips to use cashback reward wisely

Using cashback reward is itself a smart way to handle daily purchases. Keep these tips in mind to make the most of this benefit.

1. Make regular purchases like groceries, transport, or planned services

Use cashback reward only for purchases already included in your budget. This allows you to earn rewards from items you always buy, without falling into poor spending habits.

2. Avoid buying unnecessary things just to get cashback reward

The fact that a product offers a cashback reward, no matter how high, isn’t reason enough to buy it if you don’t really need it.

3. Track the money you get back each month

It’s advisable to track how much cashback you earned each month and ensure it’s credited back correctly, which helps you know exactly how much you’re saving and motivates you to maintain good financial habits.

You can use spreadsheets or cashback reward mobile apps that include financial management tools to help with this.

Move your money easily with Comun

In this article, we explained what cashback reward means, its benefits, how it works, and ways to use it wisely.

The habit of saving is essential, especially for immigrants living in the United States who seek to improve their quality of life and that of their families. While cashback reward helps optimize regular purchases, Comun simplifies financial management through a comprehensive platform.

Comun is the financial platform designed to ease financial management for immigrants in the United States.

Discover all the benefits Comun has for you!

  • Send money from the United States to Latin America with clear and competitive fees, up to the applicable limits.
  • You can open an account with a qualifying official identification from your home country.
  • Access your financial history from an intuitive and friendly mobile app.
  • Get a debit card to cover your daily expenses.

Remember that managing the savings you earn through cashback reward will allow you to support your family’s projects and goals.

Turn your cashback reward into more opportunities for you and your family.

Frequently Asked Questions (FAQ)

If you still have questions, check the section below.

Can I use cashback reward for my daily expenses?

Yes, cashback reward is designed to give you a percentage back from everyday purchases such as gas, groceries, and public transportation. However, it’s not recommended to use cashback reward as motivation to make unnecessary purchases.

Do I need a credit card to get cashback ?

Although credit cards are one of the most common ways to earn cashback reward, they are not required — there are other alternatives such as debit cards with cashback or digital accounts, as well as platforms like Rakuten, Ibotta, Upside, or Honey.

What is cashback on credit cards?

Cashback on credit cards is a way to earn a percentage of cashback for your purchases. Some financial institutions also offer bonuses or additional benefits. If you use a credit card, make sure to pay the full balance to avoid interest charges.

What is cashback on debit cards?

It’s a benefit that gives you a percentage of your purchases back directly to your debit card.

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Living in the United States

5 Apps to Earn Money Fast in the United States

8 min de lectura

Are you looking for ways to make extra money from the comfort of your home or during your free time? Thanks to technology, it is now possible with just a mobile phone and an internet connection. In this article, we present five apps that will let you earn money quickly and easily.

You can earn money from your phone in the U.S. with paid surveys (Eureka Surveys, Google Opinion Rewards), freelance work (Fiverr), selling used items (Mercari), or driving for Uber or Lyft. With Común, you can receive all of those payments in an account without SSN, without monthly fees, and in Spanish.

Eureka Surveys or Survey Pop:

1. Eureka Surveys is a platform that lets you earn money by answering surveys in minutes on your own schedule. You will accumulate points that you can redeem for gift cards or cash through PayPal.

Google Opinion Rewards:

2. Google Opinion Rewards is an app created by Google that lets you earn money by answering short surveys. For each completed survey, you will receive a reward redeemable in Google Play.

Fiverr:

3. Fiverr is a freelance services platform where you can offer your skills and knowledge in exchange for money. You can find jobs in design, writing, digital marketing, programming, and more. Remember to connect your Común account to Fiverr.

Mercari:

4. Mercari is a buying and selling app where you can sell new or used items. The app keeps a small commission for each sale made.

Uber or Lyft:

5. If you have a car and free time, you can take advantage of transportation apps like Uber or Lyft to earn extra money as a driver.

Making money quickly is easier than it seems thanks to these apps. Remember that with Común you get a free checking account and a VISA debit card with access to more than 57,000 ATMs.

International Money Transfers

How to Send Money to Mexico? Everything You Need to Know

8 min de lectura

For immigrants living in the United States, having accessible financial services that allow them to send money to Mexico and other countries in the region is of utmost importance; this is to financially support family and friends or achieve a better standard of living. Remittances have acquired such importance in the Mexican economy that, according to Reuters data, Mexico is the second-largest recipient of remittances worldwide, only after India, with more than 64.7 billion USD during 2024. It is fundamental for immigrants to know how to send money to Mexico from the United States securely, quickly, and at a low cost. 

On this occasion, we will show you the best applications for transferring money to your loved ones, how they work, and all the benefits of each of them so you can choose the option that best suits your needs.

How much money can I send to Mexico?

A very important aspect you should consider is the amount allowed by applications for sending money to Mexico, as well as the restrictions in their terms and conditions. 

In general, there is no legal limit imposed by the United States government, but each platform has its own standards and regulations on which they base certain limits and guidelines necessary for international money transfers.

For example, these are some of the best-known providers that offer money transfers to Mexico, with their respective limits:

  • Western Union: up to 5,000 USD per transaction via the website 
  • MoneyGram: up to 10,000 USD per transaction 
  • Xoom: up to 10,000 USD per transaction

If you are looking for an easy way to send money to Mexico, Comun is an excellent alternative for you. You can enjoy your first money transfer for free, and then for a fee starting at 2.99 USD per transfer up to the applicable limits.

Additionally, your recipient can receive more for less due to highly competitive exchange rates compared to other similar applications.

Compare and choose the most convenient option to send money.

What's the best way to send money from the United States to Mexico?

There are several ways to send money from the United States to Mexico, either through traditional banks or specialized international money transfer services. 

These are the simplest ways to do it:

Through bank-to-bank money transfers 

One of the most common ways to send money is through bank transfers from one traditional bank to another. The advantage of this method is that it is safe, as it has the backing of official financial institutions. However, they also tend to take longer and generate more fees. 

To send funds through this method, it is essential to have a U.S. bank account and use the recipient's SWIFT code. The cost of the money transfer depends on the receiving bank, in this case, located in Mexico. 

For example, BBVA charges 30 USD plus VAT per transfer, Santander between 15 and 20 USD plus VAT, and Citi Banamex 20 USD plus VAT, all regardless of the amount sent. 

Through cash remittances 

Another option, which might be more accessible for users without a bank account, is cash remittances that can be collected at different points in Mexico. To send money in cash, it is necessary to go to a provider that offers this type of service, for example, a Western Union office. Once there, you must pay the amount to be sent, plus the fee assigned to the amount. 

For your relatives to collect the funds from this transaction, they must present an official identification at one of the selected branches, which can be Oxxo, Banco Azteca, Walmart, or others. Although it is an excellent alternative for people who base their finances on cash handling, it may have certain disadvantages, such as high fees that depend on the amount sent, as well as a less competitive exchange rate. 

Through mobile application

The third option for sending money to Mexico is through a mobile application specialized in international money transfers. There are many alternatives compatible with iOS and Android, and, in general, they are more economical than cash remittances or bank transfers. 

To access these types of transfers, it is necessary to create an account on the provider's website or application. Additionally, some require identity verification through personal data such as the SSN (Social Security Number) or ITIN. 

Before choosing an application to send money to Mexico, we recommend comparing the best-known options and evaluating which one best suits your needs and those of your family members.

The 6 best mobile applications for sending money to Mexico from the United States

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Name Cost per transfer Speed Transfer limits Additional features Coverage
Venmo Free or 3% if using credit card Up to 1 day Up to $299.99/week (unverified)
Up to $60,000/week (verified with SSN or ITIN)
Works as a social payment network. Online and in-store purchases. U.S.
Zelle Free (some banks may apply fees) Minutes Approx. $500/day (varies by bank) Integrated into most U.S. banks U.S.
Cash App Free or up to 1.75% for instant transfers Up to 2 days Up to $7,500/week (verified) Free debit card (Cash Card) U.S.
Comun Free in the U.S. or starting at $2.99 for international transfers Instant or within minutes (average 8) Up to $9,999/month* Allows account opening with official ID, no SSN/ITIN required U.S. and Latin America
Western Union Between $3 and $30 (depending on amount, country, and method) Immediate to several days Up to $5,000 online Cash transfers and withdrawals with broad coverage 200+ countries
Remitly Up to $10 (depending on speed) Up to 5 days From $3,000/month (depending on verification) Home delivery option 100+ countries
Wise Variable fee (exchange rate and amount) Up to 2 days Up to $5,000/month Multi-currency account 70+ countries
Revolut Free between Revolut users or ~5% for international transfers Up to 2 days Depends on country and currency Automatic savings and financial analytics U.S., Europe, LATAM, Asia
PayPal Free local / ~3.95% + fixed fee for international transfers Up to 1 day Up to $10,000 per transfer (verified accounts) Allows linking multiple payment methods and receiving money 200+ countries

Comun

Comun is a convenient option for immigrant workers in the United States, as it is specially designed to understand their needs. Comun offers a promotional fee-free first transfer and then a fee starting at 2.99 USD per transfer up to the applicable limits.

Additionally, you can access different payment methods and a very competitive exchange rate, so your family receives more for less at over 100,000 pickup locations. 

Your Comun account gives you access to a mobile application and a debit card. Furthermore, your money transfers are applied in a matter of minutes.

Remitly

Remitly is an app that allows international money transfers. It is easy to use and offers various payment methods, such as debit or credit card or bank account. The sending time depends on the type of fee selected, either express, which is instant, or standard, which takes up to 5 business days. 

It also offers a competitive exchange rate.

BOSS Revolution

BOSS Revolution is an easy and accessible money sending alternative. It has a limit of 2,999 USD, so it is geared towards small transactions. It accepts bank card and cash as payment methods, and money transfers are completed in minutes.

WorldRemit

WorldRemit is another alternative for easily sending money to Mexico. It offers a wide variety of payment methods, such as bank account transfers, cash pickup, and recharges. It has fees starting from 1.99 USD, but the exchange rate includes a margin of 1% to 2%, which affects the total amount to be received.

Western Union

Western Union is one of the most popular services for international money transfers. It has wide coverage, which facilitates access for people living in rural or remote areas. It allows sending money from banks, application, and website, and the money can be received in cash or in a bank account. The disadvantage is that fees are usually higher than other alternatives, and the exchange rate is less competitive with respect to the market, which affects the total amount to be received.

Félix Pago

Félix Pago is an innovative option that allows low-cost money transfers vía WhatsApp. It is a good option for small money deposits, although it does not offer functionalities such as account opening and a debit card, which could represent an obstacle for users seeking more complete alternatives.

How to send money to Mexico with Comun?

With Comun's international transfers, also known as Remittances, you can send money abroad to your family and friends from your Comun mobile application at a low cost and without leaving your home.

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To make a transfer to Mexico, follow these steps: 

  1. Enter your Comun mobile application. 
  2. On the main page, select "Send a Remittance." 
  3. Select the recipient to whom you wish to send the international transfer. 
  4. You can register a recipient with their bank details, such as their full name, bank name, and cell phone number. 
  5. After registering the recipient, enter the amount you wish to send and review the transaction costs. 
  6. Confirm the data and select "confirm international transfer." 
  7. The recipient should receive the international money within minutes. 
  8. If you selected in-store pickup, the person can go to the store to pick up the money 30 minutes after confirming the transaction. 
  9. You can check the status of the international transfer in your Comun mobile app by clicking on the movement.

You can send money to Mexico for a fee starting at $2.99 per transaction, up to the applicable limits.

Blog

Send money to Mexico easily and securely with a reliable mobile app

As you can see, sending money to Mexico has never been easier or more accessible. There are several remittance services that offer different competitive advantages, so it is convenient to compare fees, exchange rates, sending limits, among other features. The option indicated for you is a safe and fast alternative that speaks your language. 

Comun allows you to open an account with your country's official documentation and send money home. Open your account today, send money to Latin American countries, and discover the most accessible side of finances.

Disclosures (in footer)

“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.”

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Checking account

Debit Account in the United States

8 min de lectura

In this article, we'll walk you through the advantages and requirements of having a debit account in the United States. It's worth noting that the world's financial center is New York, home to the most important payment hubs where the world's top-ranked financial institutions are connected. That's why having an account in the United States is essential if you do business globally.

Why Having a Debit Account in the United States Matters

Here are the advantages of having a debit account in the United States and what it means to have one — among the most notable benefits:

Cost: The cost to open an account in the U.S. is actually minimal, largely thanks to the digital account types available today. This gives you the ability to handle financial transactions smoothly with the people you want to do business with.

Requirements: Requirements are usually basic, as long as you're of legal age and have some form of address documentation. If you're a foreigner, it's possible to open an account in the United States without a long list of requirements or needing to be physically present.

Control: You can track fees, deductions, and payments made through the platform — for that, we recommend reading: How to Manage My Money in a Debit Account.

Ideal for Freelancers: If you do remote work, global companies typically require an account on some payment platform. For that, you'll need a U.S.-based account. That's why it's worth opening one, so you can meet the requirements of that payment platform.

Security: You get the security that comes with U.S. regulation. On top of that, funds are protected by the Federal Deposit Insurance Corporation (FDIC).

Options: There's a wide variety of ways to get a U.S. account, and among the main options is starting with a debit account, which offers alternatives for people who want an account without being a U.S. resident.

General Requirements to Open an Account in the United States

The requirements listed here are for opening a general account — keep in mind that requirements vary by account type. Among the requirements U.S. financial institutions typically ask for:

ID document: Issued by your country of residence's government (passport, national ID, or identity card depending on your country of origin).

Proof of residence: A current utility bill showing your physical address. It must include a zip code.

Email address: So the confirmation email can be sent this way if you open the account through a platform or app.

Mobile device: To authenticate transactions made through the bank's platform.

If you want to open an account in the United States, there are several options and account types available. Just choose the one that fits your needs, requirements, and that you can comfortably and securely meet the requirements for.

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Financial Education

How to Emigrate to the United States: Practical Guide and Helpful Tips

8 min de lectura

Complete Guide to Emigrating to the United States

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.

Main Options to Emigrate to the United States

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:

Employment

If your goal is to find job opportunities in the United States, you need to understand the work visa options.

  • H-1B visa: for specialized professionals with a university degree or equivalent experience.
  • H-2B visa: temporary non-agricultural workers.
  • H-2A visa: temporary agricultural workers.
  • TN visa: (NAFTA/USMCA) for Mexican and Canadian citizens in specific professions.
  • EB-5 visa: for investors able to create at least 10 U.S. jobs. Also a pathway to permanent residence.

Family

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.

Visa Lottery

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:

  • Be from an eligible country.
  • Have a high school education and at least two years of experience in an occupation.
  • Complete the online form during October–November.

Other options

Lastly, there are other alternatives for foreign nationals who don’t fit the categories above.

  • Student visa (F-1 or M-1).
  • Exchange visitor visa.
  • Asylum or refugee status.
  • Humanitarian parole or special programs.

Step-by-Step to Start Your Immigration Process

Below is the visa application process step by step.

Step 1. Research the most viable path for your profile.

First, analyze your goals in the U.S. and which visa category best fits your profile.

Step 2. Estimate process costs and initial cost of living in the U.S.

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.

Step 3. Gather required documents (certificates, passports, diplomas, records, proof of income, etc.).

Each visa type requires specific documents; below is a general list of the most important items.

Valid passport.

  • DS-160 (temporary visas) or DS-260 (immigrant visas).
  • Proof of consular fee payment.
  • Recent visa-style photo (2x2 inches).
  • Job offer letter.
  • USCIS employment authorization document.
  • Academic certificates, diplomas, professional degrees.
  • Proof of work experience.
  • Proof of financial solvency or bank statements.

Step 4. If needed, improve your English before emigrating.

While the immigrant community is large, you’ll still need at least basic English to communicate.

Step 5. Check USCIS official sources to confirm current forms and fees.

Forms and fees vary by visa type. Always consult USCIS official information.

Also keep these practical tips in mind to avoid common mistakes.

  • Avoid unlicensed consultants.
  • Don’t make payments on unofficial sites. Make sure URLs end in .gov.
  • Keep digital copies of all official documents for easy backup.

State Options for Emigrating to the U.S. and Costs to Consider

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

Helpful Tips for a Successful Transition

Emigrating requires financial, legal, and emotional preparation. These tips help you transition more smoothly.

  • Once in the U.S., open a checking account to facilitate payments and salary deposits.
  • Create an initial budget for the first 3–6 months.
  • Line up temporary housing before traveling—family or friends if possible.
  • Learn how the healthcare system and insurance work.
  • Learn how credit history works and how to start building it.

Build Your New Financial Life in the U.S. with Común

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.

Frequently Asked Questions (FAQ)

If you still have questions, see the section below.

How much money do I need to emigrate to the United States?

Costs depend on the visa type—check USCIS’s official site. Also include travel, housing, and basic living expenses.

Which visas are faster to emigrate with?

The TN visa takes about 2–8 weeks; temporary work visas take around 3 months.

What happens if my application is denied?

You can request a review or appeal and make the necessary corrections. If not accepted, you may submit a new application.

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Financial Education

How to Cash a Check: A Step-by-Step Process

8 min de lectura

With Común you can cash a check without going to a bank: take a photo of it in the app and the money is deposited into your account at no cost. You can also use the network of over 88,000 cash-deposit locations if you prefer to cash it in person.

In the world of finance, the ability to cash a check efficiently and securely is a fundamental necessity. From payroll checks to tax refund checks, the mechanism of turning these paper promises into real purchasing power is a critical aspect of financial management. This article provides a guide on what a check is, how to cash it, and where to do so, ensuring you are well equipped to navigate this process.

What Is a Check?

‍A check is a written, dated, and signed instrument that orders a bank to pay a specific amount of money from the issuer’s account to the person or entity whose name is written on the check. The recipient (payee) then deposits or cashes the check to access the funds.

Checks are a traditional form of payment that allow individuals and businesses to make transactions without the need for immediate cash exchange. They can be used for a wide range of payments, from personal gifts to payroll and business transactions.

Checks offer a traceable payment method, providing a paper trail that can be useful for accounting and tax purposes. They remain a fundamental component of financial transactions, offering a combination of security, convenience, and versatility. Despite the rise of digital payments, the relevance of various types of checks persists, serving diverse needs from everyday payments to significant financial dealings. Here are the different types of checks:

  • Personal Checks: These are the most common type, issued by individuals and generally drawn from a checking account. They are used to pay bills, rent, or transfer money to family and friends.
  • Cashier’s Checks: These are issued by banks themselves, guaranteeing funds are available because the bank holds the amount until the check is cashed. They are often used in major transactions, such as down payments on a house.
  • Certified Checks: These are personal checks verified by a bank. The bank certifies that the signature is genuine and that the issuer has sufficient funds in their account to cover the check amount at the time of issuance.
  • Money Orders: These are a prepaid payment method, similar to checks but generally considered safer because they require upfront payment. Money orders are widely accepted and can be purchased at banks, post offices, and even some retail stores.
  • Traveler’s Checks: These are preprinted fixed-amount checks designed to allow travelers to carry money without cash. They can be exchanged for local currency at banks, exchange offices, or some retailers and are protected against loss or theft.
  • Government Checks: These include tax refunds, Social Security benefits, and other payments issued by the government. These are considered very secure, as they are backed by the government.

From personal to certified checks, each type plays a specific role, ensuring that individuals and businesses have the flexibility to manage their money securely and efficiently. Despite the growing prevalence of digital finance, checks continue to hold their place, offering an indispensable option for a wide variety of financial dealings. Understanding the functionality and usefulness of different types of checks remains key to optimizing financial transactions and strategies.

How to Cash Your Check‍

The journey from receiving a check to turning it into cash or depositing it into your bank account is simplified by understanding a few key steps. Using advances in banking technology and the expertise of bank tellers, let us dive into the methodical approach to accessing your funds.

Step 1: Endorse Your Check

‍Start by endorsing your check, a necessary step that indicates your intent to cash or deposit it. Turn the check over and sign your name in the specified area on the back.

Step 2: Prepare Your Identification

‍Having a valid form of identification is crucial. This could be a driver’s license, a government-issued ID, or any other official identification, ensuring that the check is cashed or deposited by its legitimate owner.

Step 3: Choose Where to Cash the Check

‍Your options include a local bank or credit union, where checking accounts often provide lower fees for account holders, or a check-cashing service for those without a bank account. In addition, certain retailers and grocery stores with a customer service desk may offer check-cashing services, usually for a small fee.

Step 4: Present Your Check and Identification

‍At your chosen location, present the endorsed check and your ID. The teller or service representative will verify your identity and the check’s authenticity.

Step 5: Decide Between Cash or Deposit

‍Choose whether you want to cash the check or deposit it into your account. This decision may affect whether you opt for a direct deposit into a linked bank account, use mobile deposit options, or even load funds onto a prepaid debit card.

Step 6: Complete the Transaction

‍The teller processes your check based on your decision. Deposits may require a short wait for funds to become available, while cashing it provides immediate access to your money.

Step 7: Obtain a Receipt

‍Always make sure to get a receipt after the transaction. This serves as a record of your action, important for personal financial tracking and potential inquiries.

Cashing your check is a straightforward process when you follow these essential steps, from endorsement to choosing your cashing location. Each stage is designed to ensure access to your funds is secure, convenient, and tailored to your financial needs, highlighting the importance of understanding your banking options.

Where to Cash Your Check and the Associated Fees

‍Identifying a reliable and efficient place to cash your check, whether it involves government checks, insurance settlement checks, or two-party personal checks, is paramount. The landscape offers several avenues, each with its own set of benefits and considerations.

Banks and Credit Unions

‍Traditional and secure, if the check is drawn against an account at the same institution, cashing it is typically free. These places are ideal for those with their own bank accounts, offering services such as cashing cashier’s checks and government and payroll checks. Associated Fees: If you have an account at the bank or credit union where the check was drawn, cashing a check is generally free. Some banks may still charge a fee if the check comes from a different bank, but this is increasingly uncommon.

Check-Cashing Services

‍A viable option for immediate needs or for individuals without bank accounts, though often accompanied by fees. Check-cashing stores and services such as Ingo Money provide versatility but may involve check-cashing limits or higher fees. Associated Fees: These services are convenient but often come with higher fees. They may charge a flat fee plus a percentage of the check amount, which can range from 1% to 4% or more. For example, cashing a $1,000 check at a service that charges 2% would cost $20.

Retail Stores

‍A very convenient option, many stores and gas stations now offer check cashing for a flat fee or a percentage of the check amount. This can be particularly helpful for cashing checks such as payroll or government checks on the go. Associated Fees: Some supermarkets and convenience stores cash checks for a fee, which may be lower than check-cashing services. Fees at retailers are often a flat fee (for example, $3 to $6 for checks up to a certain dollar amount) plus an additional fee for larger amounts.

Digital Options

Mobile deposits and services linked to PayPal accounts or prepaid cards allow you to deposit checks without visiting a bank. This method suits those comfortable with digital banking, offering a way to deposit checks directly into a linked account or prepaid card. Associated Fees: If there are fees, they are often structured similarly to Ingo Money or PayPal services for immediate access, but they are usually waived if you are willing to wait for the standard clearing time.

The decision spans traditional banking institutions, check-cashing services, retail points of sale, and innovative digital platforms, each catering to different needs and preferences. Whether you prioritize convenience, low fees, or immediate access to cash, there is a tailored option for your situation. As we move toward an increasingly digital world, the value of the physical check remains undeniable in its usefulness and necessity.

Conclusion

‍Cashing a check efficiently depends on understanding your options and the associated fees. Whether you prefer the traditional security of a bank or credit union, the convenience of a check-cashing service, or the modern approach of mobile deposits, the key is to weigh these options against your immediate financial needs and the costs involved. By integrating money-saving strategies, such as avoiding high fees and opting for direct deposit, you can ensure a smooth and stress-free process while making the most of your financial resources.

How do I cash a check with the Común app?

Open the app, go to the check deposit section, take a photo of the front and back (make sure it's signed in the endorsement area), and confirm the amount. Mobile check deposit is at no cost.

How long does it take for the check funds to show up?

Timing varies depending on the amount and your account history; the app shows you an estimate before you confirm the deposit.

What are my options if I don't want to use mobile deposit?

Común has a network of over 88,000 cash-deposit locations, and you can withdraw at AllPoint+ ATMs at no cost (3 free withdrawals a month, then $2.50 per withdrawal).

Frequently asked questions

Does cashing a check through the Común app cost anything?

No, mobile check deposit through the app is at no cost.

What do I need to deposit a check through the app?

Just your phone with the Común app, the physical check signed in the endorsement area, and good lighting for the photo.

Can I cash any type of check with Común?

The app guides you through the process; make sure the check is current, properly signed, and has complete information before photographing it.

What happens if my check deposit is rejected?

The app will notify you if there's an issue with the deposit; check that the check's details are legible and complete.

Can I withdraw the cash from a deposited check at an ATM?

Yes, once the deposit shows in your account, you can withdraw at any AllPoint+ ATM at no cost (up to 3 times a month).

Does Común charge for each check I deposit?

No, mobile check deposit has no fee.

Financial Education

How to fill out a check in the United States in 5 simple steps (+ Example)

8 min de lectura

Have you ever filled out a check? Although most transactions today are digital, knowing how to fill out a check is essential—especially if you are just beginning your financial life.

According to recent data, one-third of Americans paid by check in 2024, demonstrating that checks still play an important role in the U.S. economy.

You might consider checks an outdated payment method; the reality is that they are useful in specific situations. For that reason, we will explain what a check is, the different types of checks, and how to complete them properly.

What Is a Check and What Is It Used For?

Despite the digital era, checks remain a relevant traditional payment method due to their formality and traceability. They are used for rent payments, purchases, and service payments.

Additionally, checks are a common payment method among the immigrant community, who often use them while adapting to the U.S. banking system.

But what exactly is a check and what are its characteristics? It is a physical document issued by an individual or business (the drawer) to order a bank to pay a specified amount to a third party. For the payment to be processed, the drawer must have sufficient funds in their checking account.

In general, a check contains the following information:

  • Name of the drawer, whether an individual or a business
  • Name of the payee
  • Financial institution where the money will be drawn 
  • Amount to be paid, both in numbers and in words
  • Signatures of the drawer 

What Are the Different Types of Checks?

There are different types of checks in the United States. In this case, we will focus on the personal check, although you may choose the option that best suits your needs.

Personal Check

A personal check is a payment order issued by an individual to another individual using the funds in a checking account.

What Is a Personal Check Used For?

The most common uses for personal checks include:

  • Rent and utility payments
  • Purchase of everyday goods
  • Legal agreements requiring documentary support

Certified Check

A certified check serves the same purpose as a personal check but is reviewed and guaranteed by the issuing bank, which verifies that the drawer has sufficient funds and holds them until the check is cashed.

A certified check provides certainty of available funds, making it a more secure method for making and receiving payments.

Cashier’s Check

Unlike a personal check, a cashier’s check is issued directly by the bank, offering greater security for the payee, as the bank is responsible for issuing and safeguarding the funds.

To obtain a cashier’s check, the drawer must visit a bank branch and pay the amount to be transferred. The bank then issues the check in the name of the payee, guaranteeing that it can be cashed using the institution’s own funds and not a personal account.

It is commonly used for high-value purchases such as homes and vehicles.

Money Order

While not strictly a check, it is a traditional payment method with similar functionality.

A money order is a financial instrument that allows funds to be sent via traditional mail using a certified check, which must be purchased and paid for by the drawer at an authorized location.

It allows secure money transfers without requiring a bank account.

How to Fill Out a Check in the U.S.

Before issuing this type of payment order, you must know how to do it properly. Below is an example of how to fill out a check easily, starting from step one:

Fuente: Imagen por Starline en Freepik

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1. Write the Date

Remember that in the United States, the date format is mm/dd/yyyy.

2. Payee’s Name

Write the full name of the person to whom you are issuing the check, exactly as it appears on their official identification.

3. Amount in Numbers

Write the numerical amount clearly.

4. Amount in Words

Write the amount in words, including cents.

5. Add a Memo

You may include a note specifying the reason for the payment.

6. Sign the Check

Sign the check legibly in the space designated for the drawer.

7. Review the Information

Ensure that all information is accurate to avoid issues for the payee when cashing the check.

It is essential to complete checks legibly, without strike-throughs or corrections, as these may invalidate the document.

How to Correctly Write Numbers in Words on a Check

Writing amounts in words may be confusing when dealing with U.S. dollars. The following points should be kept in mind:

  • Dollar amounts must be written in full words
  • Cents must be written as fractions
  • Avoid using dollar symbols or similar notations
  • If there is leftover space at the end of the line, draw a line to prevent fraud
  • For example, $1,000.75 is written as: One thousand and 75/100 dollars

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Cash Checks and Manage Your Money Easily with Comun

As you can see, knowing how to fill out a check is useful for sending and receiving money in the United States. It is a reliable and accessible alternative if you do not have a banking account.

However, issuing and cashing a check can also require significant time and effort. That’s why you can skip the trip to the bank, avoid wasting time or money on gas, and cash your check directly from your phone using Comun—no lines, no questions, no complications.

Discover Comun, the only platform designed to serve the needs of immigrant communities in the United States, with support available in Spanish.

Why Choose Comun?

  • Open your account with an official ID from your country
  • Access a mobile app specifically designed for immigrants in the U.S.
  • Make payments, receive your salary, and manage your finances
  • Send money to your loved ones in LATAM for just a $2.99 transfer fee

Frequently Asked Questions

Still have questions about how to fill out a personal check? See our FAQ section.

What if I Make a Mistake Filling Out a Check?

If there are strike-throughs or inconsistencies in the amounts, the check must be voided and a new one used.

How Do I Void a Check?

Write the word VOID in large letters on the front of the check.

What Information Appears on the Back of a Check?

The back of the check contains the endorsement, meaning the payee’s signature for cashing the check.

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Cuatro personas sonrientes abrazadas de cerca, mostrando alegría y amistad.
Mujer sonriente con camiseta blanca, sentada al aire libre con árboles y luz solar de fondo.
Hombre sonriendo con gorra y camiseta gris, sentado en un establo junto a un cubo azul.
Mujer joven con camisa rosa ajustando un auricular mientras mira un teléfono móvil frente a una pared marrón.
Familia sonriente con dos niñas vestidas con vestidos a cuadros sentados juntos en un patio soleado.
Mujer con guantes y protector facial manipulando masa para tortillas al aire libre.
Niña pequeña mirando a la cámara con dos mujeres sonrientes detrás, al aire libre con fondo de muro blanco.

Thousands of immigrants are already achieving more with their money. You can too.