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.

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.

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.

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.

How Does an Overdraft Happen on a Bank Account?

Overdrafts happen for various reasons. Sometimes it's an accidental oversight — maybe you forgot about an automatic payment or miscalculated your available balance. Common reasons include unexpected expenses, delayed direct deposits, or simply losing track of your spending. Understanding these causes can help you avoid overdrafts and keep a positive account balance.

What Are the Consequences of Overdrafts and Overdraft Fees?

Overdrafts can be more than just a hassle — they often come with substantial overdraft fees. Financial institutions typically charge an overdraft fee for each transaction that overdraws your account. Some banks only charge overdraft fees if a customer overdraws by a certain amount, or provide grace periods where no fees are charged if the customer replenishes their account quickly after an overdraft. These fees can add up fast if you're not careful.

Additionally, overdrafts can disrupt your financial health. They can lead to a negative balance, making it harder to cover transactions for essential needs and future purchases. If you overdraft frequently, it could even affect your credit score, which could impact your ability to get loans or other financial products in the future. Frequent overdrafts can also result in multiple overdraft fees, further compounding your finances.

Tips to Avoid Overdrafts

Avoiding overdrafts is about being proactive. Here are some practical tips:

Keep an Eye on Your Spending: Keep a close watch on your account balance and transactions. Use online banking or mobile deposit apps to monitor your spending in real time.

Set Up Low-Balance Alerts: Most banks offer low-balance alerts that notify you when your available funds are low. Setting up these alerts can give you a heads-up before an overdraft happens.

Keep a Cushion: Try to keep a cushion of extra funds in your checking account. Even a small cushion can prevent overdrafts caused by unexpected expenses.

Link to Savings: Consider linking your checking account to a savings account. This way, if your checking account runs out of funds, money can be automatically transferred from your savings to cover the shortfall.

Monitor Pending Transactions: Be aware of any pending transactions that aren't yet reflected in your account balance. This includes debit card transactions and automated payments. Making sure you have enough money in your account to cover pending transactions can help avoid overdrafts.

Set Up Direct Deposit: Setting up direct deposit can help maintain a minimum balance in your account, potentially avoiding monthly maintenance fees and other charges. Direct deposit can also be an option for waiving certain fees offered by banks.

Learn how to manage your bank account

Managing an Overdraft if It Happens

Sometimes, despite your best efforts, an overdraft can happen. Here's what to do if it happens to you:

Act Quickly: As soon as you realize you've overdrafted, deposit or transfer money into your account to cover the negative balance. Having enough money in your account to cover transactions is crucial to avoiding further overdrafts. This can minimize fees and prevent additional transactions from causing more overdrafts.

Contact Your Bank: Reach out to your financial institution's customer service. They may waive the overdraft fee if it's your first time or if you have a good banking history.

Review Your Spending: Look at what caused the overdraft and adjust your budget to avoid repeating the mistake. Consider setting up stricter monitoring or additional alerts to stay on top of your account balances.

Pay Off Overdrafts Promptly: Make sure any overdrafts and associated fees are paid off as soon as possible to avoid additional fees or returned transactions.

Scams That Can Result in Overdrafts

Beyond the usual causes of overdrafts, like accidental spending or unexpected expenses, there are numerous scams that can lead to overdraft situations. These scams often involve fraudulent checks and deceptive tactics that drain your account, resulting in negative balances and multiple overdraft fees. Here are some common scams to be aware of to protect your financial health.

Online Purchase Scams: In online purchase scams, scammers pose as legitimate buyers or sellers in online marketplaces. A scammer might send a check as payment for an item you're selling, which then bounces after you've shipped the item. Alternatively, you might receive a check for a purchase you made, only to find out it's fake, leading to an overdraft when the funds are withdrawn from your account.

Phishing Scams: Phishing scams involve scammers sending emails, texts, or phone calls posing as a bank or other trusted entity. They trick you into providing your account information, which they then use to withdraw funds or write fraudulent checks. This can lead to overdrafts if your account is drained without your knowledge.

Charity Scams: Scammers often exploit goodwill by posing as charitable organizations, especially during times of crisis. They send checks as a "refund" for a previous donation or as an overpayment, asking you to return part of the money. The check bounces, and you end up with an overdraft and lost funds.

Advance Fee Scams: In advance fee scams, scammers promise large sums of money, like lottery winnings or an inheritance, in exchange for a smaller upfront fee. They send a check to cover the fee, which you deposit and then send back the "fee." The check bounces, causing an overdraft and a loss of the amount sent.

Fraudulent Refund Scams: Scammers contact you claiming to be from a company you recently did business with, claiming there was an overpayment or billing error. They send a check and ask for a partial refund. When the check bounces, you're left with an overdraft and out-of-pocket expenses.

Romance Scams: In romance scams, scammers build a fake relationship with their victims, often online. Eventually, they ask for money, sometimes sending a check first to "prove" they're legitimate. When the check bounces, the victim is left with an overdraft and the emotional and financial fallout of the scam.

Contractor Scams: Fake contractors offer services like home repairs or improvements. They ask for an upfront payment, often sending a check as partial payment. Once the check bounces, you're left with an overdraft and no completed work.

Job Offer Scams: Scammers offer fake jobs and send a check for equipment or initial expenses, asking you to send back a portion. When the check bounces, you're left with an overdraft and no job.

Travel Scams: In travel scams, scammers offer discounted trips or vacation packages. They send a check for supposed travel expenses, asking you to send part of it back or to another party. The check bounces, leading to an overdraft and no vacation.

Using Overdraft Protection Services

Overdraft protection generally involves linking your checking account to another account, like a linked savings account or a line of credit. If you overdraft your checking account, funds are automatically transferred from the linked account to cover the transaction.

The main advantage is avoiding the high fees associated with overdrafts. However, there may be a transfer fee for the overdraft protection itself, and it can encourage spending beyond your means if not used responsibly. Not all overdraft protection plans are the same. Carefully review the terms and conditions, and choose one that fits your habits and financial needs. It's important to understand the overdraft coverage options provided by your financial institution. Look for services that offer coverage for debit card purchases, ATM transactions, and other charges associated with insufficient funds. Financial institutions play a crucial role in offering these services.

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Using the right tools can make managing your finances much easier and help you avoid the stress of overdrafts. Común.app is designed to help you stay on top of your finances with features that can help prevent overdrafts.

• Real-Time Balance Monitoring: Común.app provides real-time updates on your account balances, ensuring you always know how much money you have available.
• Low-Balance Alerts: Set up low-balance alerts to get notified when your funds are running low, helping you avoid overdrafts before they happen.
• Automatic Transfers: Link your checking account to your savings account within Común.app to enable automatic transfers. This way, if your checking account balance gets too low, funds can be transferred from your savings to cover transactions.
• Spending Insights: Común.app offers insights into your spending habits, helping you identify areas where you might be overspending and need to cut back to maintain a positive balance.

By integrating Común.app into your financial routine, you can take proactive steps to manage your money effectively, avoid overdraft fees, and keep your account in good standing.

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Conclusion

Overdrafts on bank accounts can be a significant financial burden, but with the right knowledge and tools, you can effectively manage and avoid them. Understanding what overdrafts are and their potential consequences is the first step toward proactive financial management. Even if an overdraft happens, acting quickly, contacting your bank, and reviewing your spending habits can help minimize the impact and prevent future issues. Additionally, being aware of various scams that can lead to overdrafts, like online purchase scams, phishing scams, and advance fee scams, can protect you from falling victim to these fraudulent schemes.

Using tools like Común can further simplify your financial management. With features like real-time balance monitoring, low-balance alerts, automatic transfers, and spending insights, Común.app helps you stay on top of your finances and avoid the stress of overdrafts. By incorporating these strategies and resources into your financial routine, you can maintain a healthy account balance, avoid unnecessary fees, and ensure your financial well-being.

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Conclusión

Los sobregiros en cuentas bancarias pueden ser una carga financiera significativa, pero con el conocimiento y las herramientas adecuadas, puedes gestionarlos y evitarlos eficazmente. Entender qué son los sobregiros y sus posibles consecuencias es el primer paso hacia la gestión financiera proactiva. Incluso si ocurre un sobregiro, actuar rápidamente, comunicarte con tu banco y revisar tus hábitos de gasto puede ayudarte a minimizar el impacto y prevenir problemas futuros. Además, ser consciente de varias estafas que pueden llevar a sobregiros, como estafas de compras en línea, estafas de phishing y estafas de tarifas por adelantado, puede protegerte de caer víctima de estos esquemas fraudulentos.

Usar herramientas como Común puede simplificar aún más tu gestión financiera. Con características como monitoreo de saldo en tiempo real, alertas de saldo bajo, transferencias automáticas y perspectivas de gastos, Común.app te ayuda a mantenerte al tanto de tus finanzas y evitar el estrés de los sobregiros. Al integrar estas estrategias y recursos en tu rutina financiera, puedes mantener un saldo saludable en tu cuenta, evitar tarifas innecesarias y asegurar tu bienestar financiero.

What is a wire transfer? A complete guide for 2026

A wire transfer remains one of the most widely used methods for moving large amounts of money quickly through financial institutions. It is commonly used for urgent transactions, high-value payments, or international bank transfers that often involve additional verification procedures and transaction monitoring.

According to Federal Reserve Fedwire statistics, around 209.9 million wire transfers were processed in 2024, an 8.6% increase compared to the previous year.

What is a wire transfer?

A wire transfer is an electronic transfer of funds between financial institutions through secure financial networks. Wire transfers are commonly used for: sending large amounts of money, urgent domestic payments, international bank transfers, real estate transactions, business payments, emergency family transfers.

How long does a wire transfer take?

How much does a wire transfer cost in 2026?

Fees and exchange rate markups vary by bank, destination country, transfer amount, intermediary institutions, and payment method. Always review the total transfer cost before sending money internationally.

Advantages and disadvantages of wire transfers

Advantages:

• Speed for time-sensitive payments
• Higher transfer limits
• Secured financial infrastructure
• Useful for international banking

Disadvantages:

• Higher costs
• Transfers are difficult to reverse
• More banking information is required
• Longer processing for international transfers

Wire transfer vs. money transfer apps

FAQ

Can I make a wire transfer without a bank account?

In general, wire transfers require both parties to have bank accounts. For transfers without a bank account, consider alternatives like remittance apps.

Is a wire transfer safe?

Yes, wire transfers use regulated banking systems with transaction records and tracking. However, they are difficult to reverse if incorrect information is entered.

When should I use a wire transfer instead of an app?

Wire transfers make sense for high-value, urgent, or institution-required payments. For regular remittances to family, digital apps typically offer lower cost and more convenience.

Común is a financial technology company and not a bank. Banking services are provided by Community Federal Savings Bank, Member FDIC. Remittance service provided by Service UniTeller, Inc.

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Some of the best English classes to learn online as an immigrant in the U.S.

Although moving to the United States brings a number of benefits due to the wide range of job opportunities available, it also presents challenges, such as the language barrier, which can limit opportunities for many immigrants who have not had access to formal language education.

While it may seem like a difficult goal to achieve, speaking English can make many aspects of daily life easier — such as getting a job, going to school, or handling important paperwork.

Fortunately, technology allows more people to learn English for free and easily, through platforms and mobile apps that offer lessons from anywhere. Below, we’ll show you some of the best options for immigrants who live or plan to live in the United States to learn English.

5 Reliable Platforms to Learn English from Scratch

For many people, taking in-person English classes isn’t always the best option due to cost, schedules, and transportation challenges. If you face any of these obstacles, you should know about practical alternatives from educational institutions and online platforms — ideal for those who prefer a more academic or progressive learning path.

Below, we present 5 reliable alternatives for learning English online.

British Council

This is one of the most prestigious English teaching institutions worldwide. Its platform offers a variety of courses for beginner, intermediate, and advanced students, segmented by skills: listening comprehension, grammar, writing, and conversation.

It stands out as a very complete option since students can supplement lessons with various materials such as podcasts, videos, and exercises prepared by certified English teachers.

Coursera

Coursera is a platform that offers free English courses in collaboration with prestigious universities, maintaining an academic and professional focus.

This is an excellent option if you’re looking to improve your English to access better job opportunities or refine specific skills to sound more like a native speaker.

BBC Learning English

This platform focuses on teaching English through current content, such as international and cultural news. It’s an ideal alternative for students who want to improve listening comprehension and expand their vocabulary.

USA Learns

This is an official U.S. government platform. It is specifically designed for people who want to acquire basic language skills to handle real-life situations such as visiting the doctor, ordering food, or completing immigration paperwork.

Alison

Alison is another dynamic alternative that offers a variety of free courses across different levels and practical skills. Students can also focus on specific areas, such as business English or preparation for certifications like the TOEFL.

Platform

Type of Course

Level

Main Benefit

British Council 

Courses segmented by skills, general English.

From beginner to advanced.

Structured learning units with rich study materials.

Coursera

Academic and professional English.

From intermediate to advanced.

Courses focused on improving professional communication skills.

BBC Learning English

Everyday English.

From beginner to advanced.

Short lessons based on current topics.

USA Learns

Practical English.

Beginner.

Designed to equip students with the skills needed to communicate in everyday situations.

Alison

Business English and official certification preparation.

From beginner to advanced.

Offers the option to earn official digital certificates.

Mobile Applications to Learn English for Free

In addition to the options above, you can also explore other alternatives known for their flexibility in helping you learn English easily.

Mobile language-learning apps let users study anywhere, anytime, and serve as a fun complement to traditional courses.

Duolingo

Duolingo is the most famous and culturally influential app. It uses gamified lessons that unlock progressively as users acquire new skills. It’s ideal for building vocabulary.

Mondly

Mondly focuses on conversational practice and pronunciation using tools like voice recognition and artificial intelligence to interact with virtual characters.

Busuu

Busuu is one of the most comprehensive language-learning apps. In addition to structured lessons based on the Common European Framework, it allows students to interact with native speakers.

Memrise

Memrise focuses on improving listening comprehension and learning new vocabulary through videos of real-life situations presented by native English speakers.

HelloTalk

HelloTalk makes English practice easier by connecting people around the world interested in cultural and language exchange.

How to Choose the Right English Course for You

As you can see, there are many ways to learn and improve your English. Each has different approaches and benefits, so there’s no single “best option” — it depends on your level and specific needs.

Before deciding which online English course is best for you, consider these recommendations:

• Define your goals: be clear about why you want to learn or improve your English.

• Evaluate your current English level: whether you’re a beginner or already advanced.

• Compare platforms and apps: take time to find the one that best fits your needs.

• Review the course duration and format: make sure to organize your time so you can attend classes consistently and on schedule.

• Complement your study with conversation practice: it’s very important to engage with native speakers in real-life situations and different accents.

The most important factor in making language study effective is consistency, regardless of which platform you choose.

Practical Tips to Improve Your English Every Day

In addition to the classes on platforms or the interactive resources in apps, it’s important to incorporate strategies that help improve your confidence and fluency when communicating in English.

Here are some practical tips designed to make life easier for immigrants in the United States.

• Listen to English every day: whether on YouTube videos or movies. The goal isn’t to understand 100%, but to start getting used to the language.

• Practice with friends or coworkers: if you have people you trust, don’t hesitate to ask them for help.

• Apply what you’ve learned in your environment: mentally review your surroundings and try to name the things around you in English.

• Use technology to your advantage: rely on AI-powered tutors or platforms that offer automatic corrections.

Learning English and managing your finances with Comun are key steps to achieving your goals in the U.S.

In this article, we explained why learning English is important if you plan to live in the U.S., and showed you various platforms and apps designed to help you build essential language skills.

Fortunately, the immigrant community in the U.S. has allies dedicated to supporting them through their adaptation and growth in the country.

Discover Comun — the digital platform designed to meet the financial needs of immigrants.

At Comun, we believe every new learning step brings you closer to your dreams: learning English and organizing your money with Comun are steps toward achieving your goals in the United States.

Frequently Asked Questions (FAQ)

What is the best free online English course for beginners?

There are several English course options. If you have no prior knowledge, it’s recommended to start with British Council courses and complement with Duolingo.

How long does it take to learn basic English?

It depends on your consistency. If you dedicate even a small amount of time daily, you should notice improvement within three months.

What’s the best free method for adults to learn English?

There isn’t just one method to learn English. Try combining practice across different language skills using interactive platforms.

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How to renew your ITIN: step-by-step guide

Your ITIN may have expired if you have not used it on a federal tax return for three consecutive tax years. To renew it, you must submit Form W-7 to the IRS, which is the same form used to apply for a new ITIN. You do not need to wait until tax season to start the renewal process, and you can submit your renewal before filing a tax return.

When does an ITIN expire?

An ITIN (Individual Taxpayer Identification Number) is a 9-digit tax processing number issued by the IRS. It is designed specifically for individuals who need to report income and file taxes in the United States but are ineligible for a Social Security Number (SSN).

An ITIN expires when it has not been used on a federal tax return for three consecutive tax years. The IRS explains that the expiration takes effect on December 31 of the third year of non-use.

An ITIN does not expire because time has passed, but because it has not been used for federal tax filing. Once expired, the number remains the same and can usually be renewed rather than replaced. An expired ITIN does not erase previous tax filings or financial records associated with it.

How do you know if your ITIN has expired?

One sign that an ITIN may have expired is not having filed a federal tax return with that number for several years. If three consecutive tax years have passed without using the ITIN, the number may no longer be active according to current IRS rules.

The IRS may also send a notice informing you that your ITIN needs to be renewed. Receiving a renewal notice does not mean there is a problem with your record. It simply means the IRS has determined that renewal is required before the number can be used again for tax filing purposes.

Tax software may also indicate that an ITIN has expired when preparing a return. If you are unsure if your ITIN has expired, checking IRS correspondence or reviewing past tax filings can also be a way to confirm status.

What happens if your ITIN expires?

An expired ITIN can delay the processing of a federal tax return. According to the IRS, certain tax credits and benefits associated with a return may not be available until the ITIN has been renewed.

An expired ITIN does not cancel previous tax filings, change your tax history, or create a new tax identity. The IRS maintains records associated with the original number even if that number has expired due to non-use.

An expired ITIN also does not automatically affect financial accounts that were opened using that number. However, an active ITIN may be required when completing future tax-related paperwork or applying for certain financial products and services.

If your ITIN has expired, the most practical step can be to start the renewal process before filing your next federal tax return. Taking action early can help avoid delays and additional paperwork during tax season.

What do you need to renew your ITIN?

To renew an ITIN, you must complete Form W-7 and mark it as a renewal application.

You also need documentation that proves identity and foreign status. The IRS lists acceptable documents in its official instructions, which include: passport, U.S. Citizenship and Immigration Services (USCIS) photo identification, visa issued by the U.S. Department of State, U.S. driver's license, foreign driver's license, foreign military identification card, national identification card (must contain name, photograph, address, date of birth, and expiration date), among others.

If your legal name has changed since your ITIN was issued, supporting documentation such as a marriage certificate or court order may be required.

How to renew your ITIN: step by step

1. Complete Form W-7

Fill out Form W-7 and indicate that you are renewing an existing ITIN. Make sure all personal details match your official documents.

2. Gather required documents

Collect identification documents that prove identity and foreign status. The IRS outlines acceptable documents in the Form W-7 instructions.

3. Attach supporting documentation

Include any additional documents required for your situation, such as name change records or prior IRS notices.

4. Submit your application

You can submit Form W-7 by mail, through an IRS-certified Acceptance Agent, or at select IRS Taxpayer Assistance Centers.

5. Wait for IRS processing

The IRS reviews the application and supporting documents before issuing confirmation. Keep copies of everything submitted for reference.

How long does ITIN renewal take?

Processing times vary throughout the year, but the IRS currently advises applicants to allow approximately seven to eleven weeks to receive notification regarding an ITIN application or renewal. Processing may take nine to eleven weeks during peak tax season or when applications are submitted from outside the United States.

Submitting a complete application can help prevent unnecessary delays. Applications that are missing required documents may take longer because the IRS must request additional information before processing can continue.

Can Común help me renew my ITIN?

Yes. Común's ITIN service helps with both new ITIN applications and ITIN renewals.

Común's ITIN service costs $199 and includes guidance throughout the renewal process. The service works with IRS-certified agents who help prepare the required paperwork, explain the requirements, and answer questions in Spanish.

The process can be completed from your phone, making it easier to organize documents and track progress without visiting multiple offices. Común also offers a money-back guarantee if the ITIN application is not approved according to the program terms.

FAQ

Do all ITINs expire?

Not all ITINs expire immediately or at the same time. An ITIN expires if it has not been used on a federal tax return for three consecutive tax years.

Can I renew my ITIN without filing taxes?

In some cases, yes. The IRS allows exceptions where Form W-7 can be submitted without a tax return depending on eligibility.

What form do I use to renew my ITIN?

You use Form W-7 for both new applications and renewals.

How long does it take to renew an ITIN in 2026?

The IRS estimates about seven weeks for processing. Processing may take approximately nine to eleven weeks during tax season or for certain international applications.

Can I still use my Común account if my ITIN expires?

An expired ITIN does not erase your financial history. If you have questions about how an expired ITIN may affect your specific account, contact Común directly for guidance.

What happens to my tax refund if my ITIN expires?

If an ITIN is expired, the IRS may delay processing a return until it is renewed. Certain tax benefits may not be available until the ITIN has been renewed, which can affect the timing of a refund.

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.

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A prepaid card is loaded with money in advance and generally is not linked to a traditional checking account. A debit card is linked to a checking account, and money is taken directly from the available balance in that account. A debit card is generally connected to additional banking features, such as account statements, direct deposit, and other account services.

The main difference is their connection to a bank account, as a debit card draws funds directly from a checking account, while a prepaid card requires you to load money onto it in advance. Neither prepaid cards nor debit cards typically help you build a credit score because they generally are not reported to the major credit bureaus.

What is a prepaid card?

A prepaid card is a payment card that must be loaded with funds before it can be used. Spending is limited to the amount loaded onto the card. They are commonly available through retail stores and financial service providers.

Prepaid cards are commonly used for everyday purchases, online payments, and sending or receiving limited funds. Prepaid cards can be reloadable, meaning you can add money again after spending the balance. Some also allow direct deposit, but the features available depend on the provider.

Because prepaid cards are generally not linked to a traditional checking account, they may not include features such as full account statements, overdraft services, or other banking features. Available services vary by provider.

What is a debit card?

A debit card is linked to a checking account. When a purchase is made, the money is taken directly from the account balance.

Debit cards are commonly used for daily spending, online purchases, ATM withdrawals, and bill payments. They are also commonly used for receiving income through direct deposit from employers or other payment sources.

Because the card is connected to an account, all transactions are recorded in account statements. These statements can be used to track spending, income deposits, and account activity over time.

A debit card generally reflects your available account balance as transactions are processed.

Prepaid card vs. debit card: main differences

Prepaid cards and debit cards can look similar in everyday use, but they operate in different ways behind the scenes. The comparison below breaks down how each one works across key features such as account access, fees, deposits, and financial tools. Común’s debit card is included to be used as an example of a debit card.

This comparison shows how prepaid cards and debit cards differ in structure, cost, and financial features, especially when it comes to account access and long-term use. A debit card linked to a checking account can offer more functionality, including direct deposit and account statements. Eligible customers can open a Común checking account using a Passport or certain Latin American IDs.

What are the disadvantages of prepaid cards?

Prepaid cards can be useful for basic spending, but they can have limitations depending on how they are used.

One common limitation is cost structure. Many prepaid cards may charge fees for adding money, withdrawing cash, or maintaining the card. The types and amounts of fees vary by provider.

Some prepaid cards also have limits on deposits, withdrawals, or transfers.

Another limitation is access to financial features. Prepaid cards usually do not include all of the features available with a traditional checking account, such as detailed account statements, bill payment tools, or other banking services.

Can immigrants get a debit card without a Social Security Number?

Some financial institutions and service providers allow individuals to open accounts using alternative identification instead of a Social Security Number. Accepted identification varies by institution and may include a passport or other forms of government issued identification.

Verification is still required to confirm identity under U.S. financial rules, but the documents accepted can vary by provider.

Once the account is approved, a debit card is issued and linked to the checking account. It can then be used for purchases, withdrawals, and direct deposits.

In the United States, some financial service providers accept different forms of identifications for their verification process. For example, Común accepts passports and more than 100 Latin American IDs to open an account.

When does it make sense to use a prepaid card?

A prepaid card can be useful for basic spending, short-term use, or situations where a traditional checking account is not available.

It can also be used as a budgeting tool since spending is limited to the loaded balance.

Some people use prepaid cards as a first step in the U.S. financial system before moving toward debit accounts with more features.

How to switch from a prepaid card to a debit card

Switching from a prepaid card to a debit card usually involves opening a checking account and moving recurring payments or deposits to the new account.

Once the account is open, money can be added through direct deposit, transfers, or other supported methods depending on the provider.

Some users keep their prepaid card active during the transition period while updating payment information across services.

If you’re considering switching from a prepaid card, Común offers a checking account with a debit card that eligible customers can open using a passport or accepted Latin American IDs. The account doesn’t have any minimum balance requirements or monthly maintenance fees.

FAQ

Is a prepaid card the same as a debit card?

No, a prepaid card is loaded with money in advance and is not connected to a checking account. A debit card is linked to a checking account and uses the available balance in that account.

Can I use a prepaid card to build credit?

Prepaid cards generally do not build credit because purchases are not typically reported to the major credit bureaus.

What are the fees on a typical prepaid card?

Fees can include monthly maintenance charges, reload fees, and ATM withdrawal fees. The exact cost depends on the provider.

Can I get a debit card without a Social Security Number?

Some services allow account opening using alternative identification such as a passport or national IDs, depending on verification requirements.

What do I need to open a debit card account as an immigrant?

Requirements typically include a valid form of identification, personal information, and verification steps required by the financial provider.

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, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa Cards are accepted.

No minimum balance requirements or monthly maintenance fees. ATM or transfer fees may apply. See app for fee details.

Direct deposit funds are typically available when we receive the payment file, up to two days before the scheduled payment date. This early availability is not guaranteed.

Funds in your account are FDIC insured up to applicable limits by ownership category through Community Federal Savings Bank (CFSB), Member FDIC, in the event CFSB fails.

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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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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International money transfers can be sent via bank wire, money transfer apps, or remittance services — each with different fees, speed, and delivery options. With Común, transfers to Latin America start at $2.99, with most arriving within minutes.

For immigrants in the United States, sending money to their home countries regularly is essential. Therefore, it is important to have access to affordable and accessible financial services.

If you want to know how to make an international money transfer, it is crucial to first compare the different providers of this service and choose the one that offers the most advantages for you and your family.

Comun stands out as a popular option among immigrants because it allows them to send money abroad from the United States, offering advantages in terms of cost, speed, and other key factors.

Below, we provide a comparison table that includes Comun and traditional financial institutions in the United States, such as Bank of America and Wells Fargo:

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How Does an International Money Transfer Work?

The first point to understand is the types of bank transfers available, as this determines the final cost of sending an international money transfer.

In the United States, there are two types of international money transfers: through traditional banks or through specialized services for sending money abroad.

International Money Transfers via Traditional Banks

• Supported by official U.S. financial institutions and security measures, including:
  
  • Identity verification (KYC/CIP) and ongoing AML monitoring (BSA).
  • OFAC sanctions screening for senders and recipients.
  • Consumer protections for remittances under Regulation E (pre-transfer disclosures, cancellation rights, and error resolution).
  • Network and messaging security standards (e.g., SWIFT Customer Security Program).
  • Multi-factor authentication and encryption for online banking access.
    
    
• A U.S. bank account is mandatory
  
  
• Operates through the SWIFT code
  
  
• Generates higher fees due to intermediaries
  
  
• Transfer time may take up to 5 business days
  
  

International Transfers via Specialized Applications

• Operates through digital networks connected with banks or physical branches in each recipient country
  
  
• Lower fees, as they do not use intermediaries and offer more competitive exchange rates
  
  
• Money transfers are completed within minutes or hours
  
  
• A U.S. bank account is not mandatory to use these services
  
  

Before paying unnecessary fees, make sure to choose the best international money transfer provider and make the most of your money.

Steps and Requirements for Making an International Money Transfer

Below, we outline what is needed to easily make an international bank transfer from the United States, whether you choose a traditional bank or a specialized application for this type of service:

1. Choose a Provider

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Some of the traditional banks you can use are Chase, Bank of America, Capital Bank, Citibank, and Wells Fargo. If you don't have a US bank account, you'll need to make sure you have the necessary requirements to open an account, such as a Social Security Number (SSN). For the aforementioned banks, you can present an ITIN instead, along with a government-issued ID.

Another factor to consider is how long an international money transfer takes, as traditional banks usually take longer due to intermediaries involved in the process.

If you prefer a specialized application for international money transfers due to the flexibility they offer compared to banks, an excellent alternative is Comun, which allows you to transfer money from your phone without complications or intermediaries.

2. Create an Account

General Requirements for Opening an Account at a U.S. Bank

• Valid passport or immigration document
  
• Social Security Number (SSN)
  
• Individual Taxpayer Identification Number (ITIN)
  
• Proof of address in the United States
  
• Some banks require an initial deposit of approximately $25 USD
  Depending on the bank, you may open the account online or by visiting a branch for data verification.
  
  

Requirements for Opening an Account with Comun

• Mobile phone compatible with Android or iOS
• Email address
• Official foreign identification
• Have a US residential address
  
  

In both cases, you will have access to a debit card and a mobile application that will allow you to make international money transfers and other transactions from the palm of your hand.

3. Enter Transaction Details

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Once you activate your account, enter the information required for an international money transfer:

• Full name of your recipient, as it appears on their official ID
  
• Recipient’s phone number
  
• Recipient’s address (only if sending money to a bank account)
  
• Recipient’s account number (only if sending money to a bank account)
  
• SWIFT code (if transferring through a traditional bank)
  
  

Then, enter the amount you wish to send.

Comun and other specialized applications also allow cash pickup at physical locations, so your recipient does not need a bank account.

4. Review Costs and Rates

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Next, review the international money transfer fees as well as the exchange rate, as these will impact the final amount your recipient receives.
The cost of an international money transfer depends on several factors, which we detail below.

5. Send the Money

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Once you confirm that the information entered is correct, authorize the transfer, including any additional fees.

Comun allows you to track your transfers through its application, whether you choose to send money to a bank account or opt for cash pickup at a physical location.

Remember that transfer speed depends on the platform, and traditional banks can take up to 5 business days to complete these transactions.

6. Confirm Receipt

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Finally, confirm with your recipient that the transfer was received within the stipulated timeframe. You can generate a transaction receipt directly in the mobile application.

Everything About the Cost of Sending Money Abroad from the U.S.

International money transfers are a common practice among immigrants in the United States.

That is why it is essential to detail the factors that influence the cost of transfers, as well as the best options for sending remittances to your family quickly and without complications.

These are the main factors to consider when calculating the cost of your international money transfers:

• Transfer Fees

International transfers incur a fee, which varies depending on the platform, whether it's a traditional bank or a specialized app.

Another factor that affects the fee level is the method used to send the money. The price can vary depending on whether the transaction is made through a website, an app, or at a physical branch.

International money transfer fees at traditional banks vary depending on the financial institution. Here are some examples:

• Bank of America: $45 USD
• Wells Fargo: from $25 to $40 USD 
• Citibank: from $25 to $35 USD 
• Truist Bank: $65 USD

On the other hand, some mobile applications offer international money transfer options for less than $3 USD, which is much more beneficial for the economy of foreign workers.

• Exchange Rate
   

The exchange rate also significantly impacts the final amount your recipient receives. It refers to the value applied by the platform when converting the dollar amount to the local currency.

Traditional banks generally use a lower rate than the official rate. For example, if the Mexican peso is officially 18.00, banks might apply approximately 17.20 MXN.

This means that if you send $300 USD, your recipient could receive about $13 less (240 MXN less), not counting the bank fees, which make the cost even higher.

• Hidden Fees

In addition to international money transfer fees, traditional banks may charge additional fees if intermediary banks are involved in processing the transfer.

We recommend checking all costs involved and choosing a competitive option that does not reduce the total amount your family will receive.

Comun is an excellent alternative for making international money transfers, as your first transfer fee is waived, and subsequent transfers have a fee starting at $2.99 USD per transfer, up to applicable limits, with no hidden fees or intermediaries.

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Review our comparison table between traditional banks and Comun at the beginning of this article, and choose the best option for your money.

Want to Make Secure International Money Transfers? Do It Easily with Comun

In this article, we presented how to make an international money transfer from the United States through traditional banks or specialized applications such as Comun, an excellent choice for immigrants.

Comun is the solution for bringing immigrant families closer together through affordable and low-cost remittances.

Why Choose Comun for International Money Transfers?

• Easily open your account with official documentation from your country
  
• Send money to your family with a transfer fee starting at $2.99 USD, up to the applicable limits.
  
• Your money will arrive within minutes
  
• Access a mobile application and Visa debit card for better control of your finances
  
  

Discover an easy and fast way to access the financial services you deserve. Open your account with Comun and forget about complications.

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What are the main ways to send money internationally?

Bank-to-bank wire transfers, dedicated money transfer apps, and remittance services are the three main options, each with different costs and delivery times.

What should I compare between international transfer options?

The fee, exchange rate, delivery speed, and whether the recipient needs a bank account or can pick up cash.

How does Común handle international transfers to Latin America?

Transfers start at $2.99, with your first transfer at no cost. Delivery options include bank deposit or cash pickup at locations like Elektra and Oxxo in Mexico, with most transfers arriving within minutes.

Frequently asked questions

What's the cheapest way to send money internationally?

It depends on the corridor and amount; always compare the fee AND the exchange rate, since a low fee can hide a worse exchange rate.

Do I need a bank account in the destination country to receive money?

Not always — some services, including Común, offer cash pickup options that don't require a bank account.

How long do international transfers usually take?

It varies by method — bank wires can take days, while modern remittance apps like Común often deliver within minutes.

Are international money transfers safe?

Yes, when using a licensed provider that's transparent about fees and exchange rates before you confirm.

What information do I need to send an international transfer?

Typically the recipient's name, destination country, and either their bank account details or pickup preference, depending on the method.

Does Común charge for international transfers?

Fees start at $2.99 per transfer, with your first transfer at no cost.

Knowing how to receive money from the United States is essential, as remittances have become a key part of the economy for thousands of immigrant households. According to estimates, by 2030, migrant workers will send a total of $5 billion to their country of origin.

The growing need to send and receive money from abroad has encouraged the creation of new methods specifically designed for countries like Latin America. Below, we present the fastest, easiest, and safest options for receiving your money without complications.

You will learn everything about receiving money from the United States and Latin America: key aspects such as costs and security, requirements to open an account, and different applications for sending money from the United States. By the end of this article, you will know exactly which option is best suited to your needs.

5 Key Aspects to Consider When Receiving Money from the United States

Thanks to technological advances and financial openness, sending and receiving money through digital means is increasingly simple and accessible.

However, immigrant families still face various obstacles, such as high transfer fees, bank-imposed restrictions, and weak security measures.

Undoubtedly, this is not a decision to be taken lightly. Before accepting the terms and conditions of any provider, pay attention to the following key aspects:

Transfer Speed

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Access to cash quickly is a fundamental need for users receiving money from the United States. The reception time varies depending on the sender and other important factors:

• Type of bank: If the transaction is carried out through a traditional bank, it may take up to 5 business days. It is therefore advisable to opt for a company specialized in international transfers.

• Holidays or non-business days: These can also affect the speed of money reception.

• Receiving bank conditions: Each financial institution sets its own rules for receiving remittances, so it is advisable to consult your bank's specific conditions.

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Cost/Fees

A fundamental aspect to consider when receiving money from the United States is the fees, which can exceed 10% of the total amount and significantly reduce household support.

Consider an option that offers affordable costs and a favorable exchange rate.

Security and Reliability

The theft of personal data, commonly known as phishing, is the primary risk in international money transfers. To avoid becoming a victim of such fraud, make sure to use a reliable service through an official website or mobile app. Additionally, do not share passwords or sensitive information with third parties.

Ease of Use

According to the study Remittances to Latin America and the Caribbean 2024, 60% of migrant workers in the United States send money to their mothers. It is important to choose a provider that understands your needs and offers reliable, secure, and easy-to-use platforms.

Receiving Options

If for any reason you cannot receive money through bank transfers, look for an option that offers cash pickup locations near you, such as Oxxo or Walmart.

What Do You Need to Receive Money from the United States?

Regardless of the bank you choose the requirements for receiving money can be summarized as your basic personal information:

• Full name of the beneficiary
• Account number
• Name and address of the receiving bank
• SWIFT/BIC code of the receiving bank
• Address of the beneficiary
• Name of the intermediary bank

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The requested data may vary depending on the receiving country, so you may be asked for more or less information. Remember, no reputable institution will ask for passwords or access information to complete transfers or send money.

3 Methods to Receive Money from the United States Without Complications

If you need to send and receive money from the United States to Mexico, you can choose from the following options:

1. Receiving Money into Your Account

This is a simple way to receive money from the United States, as it allows you to do so from the comfort of your home via a mobile application.

In the case of Mexico, most traditional banks tend to receive transfers from the United States under their own terms and conditions. This means that fees and exchange rates vary by financial institution.

For Banorte and BBVA, the cost for international transfers is $30 plus VAT, regardless of the amount sent.

Receiving money through traditional financial institutions can be expensive; fortunately, there are more affordable alternatives.

2. Receiving Money Through Comun

Comun allows you to send money from the United States to Latin America with no charge on your first transfer and accessible fees thereafter. It is the preferred option among the immigrant community, offering shared language, interests, and goals: bringing families closer together through secure and affordable financial solutions.

Open your account with Comun and start sending money from the United States to your home without complications. Your family can receive it in local bank accounts or collect it physically at partner locations.

3. Receiving Money on Other Platforms

Wise

Wise is another platform that offers international money transfers. It is geared toward independent workers around the world who earn income from the United States.

Although it is a common alternative for receiving money digitally from abroad, it does not offer physical pickup options, which may be a drawback for migrant families.

Western Union

Western Union is one of the most popular options among migrant workers in the United States, as it allows for cash transfers without the need for a bank account, including to rural or hard-to-reach areas.

It is a suitable option in certain circumstances, but be aware that Western Union’s commission fees are typically high, and it uses a lower exchange rate than the market.

The cost of sending money depends on several factors, such as the method used and the destination country. However, the fee can reach up to 6%, not including the exchange rate difference.

MoneyGram

Finally, MoneyGram is an international money transfer service operating in over 200 countries, including Mexico.

Your Family Gets More for Less: Send Money with Comun from the United States. 

As you can see, sending and receiving money from the United States does not have to be complicated. Today, there are financial services that aim to bridge the gaps that hinder communication between businesses and individuals.

Comun is an accessible option for all, offering the best benefits for immigrant families:

• Access to a debit card and mobile app
• Account opening with official ID from your country
• Competitive fees for International money transfers, starting at $2.99 transfer fee
• No opening fees or monthly charges

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Compare and choose the option that best fits your needs. Remember that you have an ally in Comun to receive money from the United States without complications.

Frequently Asked Questions

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How long does it take for money to arrive from the U.S. to Mexico?

With Comun, your money arrives in minutes via bank transfers. Cash pickups at partner locations take as little as 1 hour.

What are the typical fees for receiving money?

Fees usually depend on the amount and destination country. Comun offers a transfer fee starting at $2.99, regardless of the amount sent up to the applicable limits.

Do I need a checking account to receive money?

Comun provides a checking account that includes a debit card and mobile application. However, it is not required, since you can receive money at physical locations.

Is it safe to receive money through digital platforms?

Absolutely. Comun is backed by major financial institutions. Your Comun account funds are insured by the FDIC up to $250,000 per ownership category through Community Federal Savings Bank (CFSB), member of the FDIC, in the event of CFSB’s failure.

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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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Saving on groceries without sacrificing quality is possible with simple strategies: comparing unit prices, taking advantage of seasonal deals, and using a fee-free account so you don't lose money to bank charges while you shop.

How do I save money on groceries without buying lower-quality products?

Compare the price per unit (not just the total price), buy seasonal produce, and take advantage of weekly deals instead of always buying the same items out of habit.

Do bank fees affect my grocery budget?

Yes — a monthly fee or out-of-network card charges reduce the money available for your shopping. With Común there's no monthly fee or charges for using your debit card.

What other habits help save on weekly shopping?

Make a list before you go, avoid shopping while hungry, and check your transactions after each shopping trip to catch duplicate charges or errors.

Frequently asked questions

How do I compare prices more effectively at the grocery store?

Look at the unit price (per ounce, per pound) printed on the shelf tag, not just the package's total price — sometimes the "bigger" package costs more per unit.

Is it worth buying in bulk?

Only if you'll use the product before it expires; otherwise the savings are lost to wasted food.

How do I avoid overspending on groceries?

Make a list before you leave and avoid shopping while hungry, since it increases impulse purchases.

Does Común charge anything for using my debit card in stores?

No, there are no charges for using your Común debit card on purchases.

How do I know if I was overcharged on a purchase?

Check your activity in the app after each purchase — real-time notifications help you catch errors quickly.

Does saving on groceries really make a big difference?

Yes — small weekly savings add up over time; cutting $20-30 a week can add up to over $1,000 a year.