Financial Education

How to Handle Lost or Stolen Checks: Steps and Precautions

Checks are used as a form of payment, allowing individuals and businesses to transfer funds without the need for.

What Is a Check and How Do You Cash It?

Checks are used as a form of payment, allowing individuals and businesses to transfer funds without the need for physical cash. A check is a specific amount of money from the check writer's account assigned to a check recipient (the payee). The check is typically written, dated, and signed, acting as an instrument that directs a bank to pay a recipient.

Before cashing a check, make sure all the details are correct and the check is valid. Verify the payee name, the written amount, the date, and the issuer’s signature. Also sign your name on the back of the check in the designated endorsement area, as this is required for banks to process checks. Take the endorsed check to your bank or use an ATM or mobile banking app if your financial institution offers check deposit services. You may also be asked to provide valid identification.

If you are depositing it, fill out a deposit slip if necessary, and the funds will be credited to your account. If you are cashing it, the bank will give you the amount in cash after deducting any applicable fees. If you deposited the check, it may take a few days for the check to clear and for the funds to become available in your account, depending on your bank’s policies.

Find more information about what a check is and how to cash it here.

Realizing a Check Is Missing: Stay Calm and Act Fast

Losing a check can feel overwhelming, especially if you are new to banking. The first step in handling a lost or stolen check is to stay calm. Panicking will not help, and thinking clearly and quickly is your best ally here. Take a moment to retrace your steps. Sometimes, the check may simply be misplaced rather than lost. Check all possible places where it might be. If it truly has disappeared, it is time to act quickly to prevent any potential misuse of your bank account or savings account.

Contact Your Bank: The First Line of Defense

Your bank or credit union is your best friend in this situation. As soon as you realize a check is missing, contact your bank immediately and begin monitoring bank accounts for signs of identity theft. Most financial institutions have a dedicated customer service line for such emergencies. Be ready to provide account information such as the check number, amount, and the date it was issued. The faster you notify them, the better they can help protect your account from fraudulent activity and identity theft.

Request a Stop Payment on a Lost or Stolen Check

After informing your bank, the next crucial step is to request a stop payment on the lost check. This action prevents the check from being processed if someone tries to cash it. Make sure to file a stop payment request for the lost or stolen check. There may be a fee for this service, but it is a small price to pay for the security it provides. Be sure to obtain confirmation from the bank that the stop payment has been successfully placed on your bank account.

File a Police Report: When to Involve Authorities for Identity Theft

If you suspect your check was stolen, it is important to file a police report with your local police department. This step not only helps with the theft investigation, but also provides you with a record of the incident, which can be useful for bank claims and insurance purposes. When filing the report, provide all relevant details, including any suspicions you may have about mail theft or check fraud. Reporting the incident to the appropriate government agency can also be beneficial in cases of identity theft.

Prevent Future Problems: Best Practices for Check Security

Prevention is always better than cure. To avoid losing checks in the future, consider these best practices:

Keep checks in a safe place: Store your checkbook in a secure but easily accessible location. Keeping it out of sight from prying eyes can help prevent potential theft. Consider using a locked drawer or a safe for added security.

Use electronic payments: Whenever possible, opt for direct deposit or electronic transfers, which are more secure and convenient. Direct deposits not only simplify your payments, but also reduce the risks associated with physical checks, such as mail theft or check fraud. Many financial institutions offer premium accounts with direct deposit options, ensuring your funds are transferred securely and quickly. In addition, you may earn a higher annual percentage yield on your savings and checking balances based on your direct deposit activity and qualifying deposits. To qualify for specific interest rates, you can use direct deposit, which includes payroll, pension, or government payments.

Regularly monitor your accounts: Frequently review your bank statements and account activity for unauthorized transactions or signs of check washing attempts. Set up alerts with your bank or credit union to notify you of any unusual activity. This vigilance is crucial for both your checking and savings balances, helping you detect fraudulent activity early and take immediate action.

Shred old checks: Properly dispose of old or unused checks by shredding them to prevent any misuse. Counterfeit checks are a common problem, and shredding helps keep a secure paper trail. Make sure any document containing your account number or payment information is completely destroyed before discarding it.

Be cautious with the mail: Avoid sending checks through outgoing mail, as this can expose you to the risk of mail theft. Instead, deposit them directly at the post office to ensure they are handled securely. For added security, consider using certified mail for important payments to create a traceable record of your transaction. Alternatively, use P2P transfers or electronic transfers to send money to friends, family, or anyone with a bank account in the U.S., highlighting the speed, simplicity, and security of these transactions.

Educate yourself about check fraud: Familiarize yourself with common check fraud schemes, such as check washing and counterfeit checks. Understanding these threats can help you recognize suspicious activity and protect your finances more effectively.

Protect your account information: Keep your account number, mobile number, and other personal details confidential. Sharing this information carelessly can make you a target for fraud. Always verify the identity of anyone requesting your account details.

By following these steps, you can effectively handle and prevent problems with lost or stolen checks. Remember, acting quickly and keeping your bank informed are key to protecting your finances and preventing someone from attempting fraud using your account information. Adopting these best practices will help you maintain a secure financial environment and give you peace of mind.

Now that you know how to handle lost or stolen checks, it is time to take control of your finances with ease. At Comun.app, we offer secure and easy-to-use solutions so you can manage your money without complications. Open your account in minutes and start enjoying the benefits!

About Común

Común aims to support the Latino community in the United States. It offers a debit account that can be opened with more than 100 valid Latin American IDs and an app available in Spanish.

Visit Común's website or download the app for free to learn more about the full offer and applicable terms.

Mujer con peinado recogido y pendientes plateados, vestida con chaqueta blanca y rosa roja en el pecho.

Olivia Rhye

Community Partner

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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.

Financial Education

Apps like Chime: Best alternatives for 2026

8 min de lectura

Apps like Chime: Best alternatives for 2026

Digital banking apps have changed how many people in the United States manage their money. Instead of visiting physical branches, people can now open accounts, receive direct deposits, send payments, and manage spending directly from their phones.

Among these apps, Chime has become one of the most recognized names in digital banking. However, for many immigrants in the United States, traditional fintech apps may not fully meet everyday financial needs. Some people may need an app that supports ITIN-based onboarding, offers easier ways to send money to Latin America, or provides customer support in both English and Spanish.

What is Chime and why look for alternatives?

Chime is a financial technology company that offers mobile-first banking services through partner banks. Its features include early direct deposit, debit cards, fee-friendly banking options, and automatic savings tools. Some users may look for alternatives because they want: international remittance options, ITIN or passport-based onboarding, bilingual customer support, or cash transfer flexibility.

Comparison of apps like Chime (2026)

App Sin comisión mensual Acepta ITIN/Sin SSN Soporte en español Remesas internacionales Transferencias P2P Depósito directo anticipado
ChimeNoNoNoNoSí*
ComúnSí*Sí*
CurrentNoNoNo
VaroSí (ITIN)NoNoNo

*Terms and conditions apply. Verify current requirements with each provider.

Común — The alternative designed for Latino immigrants

Común is a digital financial platform built specifically for the Latino community in the U.S. Unlike Chime and other digital banking apps, Común accepts more than 100 valid Latin American IDs to open an account, offers 24/7 customer support in Spanish, allows sending remittances to Latin America starting at $2.99, and has an app available fully in Spanish. Visit comun.app to learn more.

Varo

Varo accepts ITINs for account opening, making it more accessible for some immigrants. It offers basic banking features without monthly fees. However, it does not offer international remittances or Spanish-language support.

Current

Current offers digital banking with early direct deposit and P2P transfers. However, it does not accept ITINs for account opening and has no Spanish support or international remittances.

Which is the best Chime alternative for immigrants?

It depends on your specific needs. If you need remittances to Latin America, Spanish-language support, and the ability to open an account without an SSN, Común may be the most complete option.

FAQ

Can I open a Chime account without an SSN?

Chime generally requires an SSN to open an account. For immigrants who do not yet have an SSN, there may be better alternatives like Común.

What is the best banking app for Latino immigrants?

Común is designed specifically for Latino immigrants in the U.S. with Spanish support, account opening with Latin American IDs, and international remittances.

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

Immigration

Complete guide to preparing your immigration recommendation letter

8 min de lectura

Immigration procedures in the United States are often exhausting and confusing because of the number of requirements and the associated wait times.

You don’t have to feel alone during these processes: you can rely on a recommendation letter, which gathers family, community, or workplace support from people who truly trust your integrity and are willing to offer genuine backing that could bear on USCIS’s final decision.

Below is a user-friendly, practical guide on how to write an immigration recommendation letter, what it should include, mistakes to avoid, sample letters, and tips to convey credibility and improve your chances in a visa or Green Card process.

What is an immigration recommendation letter and why it matters

A recommendation letter is a personal document that supports U.S. immigration processes and is valued by USCIS. It serves as testimonial evidence of the applicant’s moral character, work ethic, and community contribution.

This supporting letter may be requested to complement documentation for various proceedings:

Permanent residence

Applicants commonly must show “good moral character,” employment stability, and community ties.

Asylum cases

The letter helps reinforce the applicant’s credibility and show they have support in the United States as a contributing community member.

Work visas such as EB-2 NIW

Professionals or researchers often need a recommendation letter from expert peers to substantiate their track record and expertise.

Naturalization

Recommendation letters are not always requested, but they can support evidence of the applicant’s good conduct.

Don’t confuse this with an employment or academic letter; the purpose of an immigration recommendation letter is to attest to the applicant’s good behavior and moral character.

Who can write an immigration recommendation letter?

An immigration recommendation letter should be written by someone with a genuine, close relationship to the applicant who can attest to their positive impact—through family, social, or workplace ties.

These are the main profiles you can ask for a recommendation letter:

Family members

They can testify to the applicant’s role in the family and commitment to loved ones.

Close friends

A close friend can focus on qualities like loyalty, honesty, and trustworthiness to emphasize the applicant’s human side.

Employers or colleagues

They provide key testimony of the applicant’s work ethic and professional responsibility.

Community or religious leaders

These individuals can speak to the applicant’s community involvement and positive impact.

Keep in mind that what matters most is not the recommender’s title, but their sincerity and credibility in vouching for the applicant’s reputation.

Steps and structure for writing an immigration recommendation letter

Although an immigration recommendation letter focuses on the applicant’s ethics and moral character, it is still a document evaluated for order and formality by U.S. authorities.

For that reason, be sure to include the following details.

Header and formal salutation

Include the applicant’s full name, address, date, and a formal salutation to USCIS or the relevant authority.

Sender’s introduction

The sender should state their full name and then explain their relationship to the applicant, how long they’ve known them, and the letter’s purpose.

Body of the letter

This is the most important part and should reflect aspects such as:

  • Values: honesty, responsibility, solidarity, etc.
  • Community involvement: volunteering, neighborhood activities, or initiatives to address local issues.
  • Work ethic: punctuality, discipline, professional attitude, commitment, responsibility, and the applicant’s achievements, etc.

Include concrete examples to reinforce credibility, such as: “Alicia Martínez is known in the community as someone who looks out for others’ well-being, like the times she has actively taken part in trash-collection programs and efforts to help homeless children.”

Closing and signature

The sender should reaffirm support for the applicant and be open to being contacted to clarify any point, so contact details are necessary.

At the end, they should include their name and handwritten signature.

Sample immigration recommendation letter

Below is a reference letter template to make drafting your document easier.

Sender’s full name

Address

Phone number

Email

Date

To the attention of U.S. Citizenship and Immigration Services (USCIS):

My name is [Sender’s name], and I have known [Applicant’s name] for [number of years] through our professional relationship at [describe job title and company]. I am honored to provide my testimony in support of their U.S. immigration process.

Over the time I have known them, I have observed qualities such as punctuality in reporting to work and professionalism toward both colleagues and clients.

I am confident that [the applicant] will be a valuable member of U.S. society because of their human values and professional capabilities.

I remain at your disposal and include my contact information in case any questions arise.

[Signature][Full name]

You can use this example as a base, but you should adapt it to the relationship between you and the recommender and add any additional information to convey authenticity and sincerity. Be sure to include the introduction, qualities, examples, and a formal closing.

Común, your financial ally in the United States

Here we’ve shown what an immigration support letter is and how to write one in Spanish, who can write it, its structure, and a practical example.

The main objective of a recommendation letter is to support you in U.S. immigration procedures; likewise, Común supports your financial life upon arrival in the country.

Discover the benefits of Común!

  • Open your account easily with qualifying official ID from your country of origin.
  • Mobile app in Spanish and English, designed for immigrants, with intuitive, transparent processes.
  • Remittances to Latin America with clear, competitive fees, without complicated processes

Común is the financial service designed for immigrant communities in the United States. Open your account today and discover the ideal support for your finances!

Frequently Asked Questions (FAQ)

If you still have questions, see the section below:

How many recommendation letters do I need for immigration?

There is no specific number. A single well-written letter may be sufficient. For extraordinary-ability visas or National Interest Waivers (NIW), more than four may be required to support the applicant’s professional record.

What if I don’t have anyone to write my immigration letter?

You can ask an immigration attorney to prepare a statement explaining why no one is available to provide a letter.

Is it acceptable to submit a recommendation letter in Spanish?

Ideally, submit the letter in English or include a certified translation to avoid issues during the visa application.

International Money Transfers

How to send money via Western Union? Complete guide and key tips

8 min de lectura

Western Union is one of the most recognized remittance services worldwide due to its extensive experience, coverage, and accessibility. Many immigrants choose it to send money to their families from the United States.

If you want to optimize the amount your family receives, it is very important to understand the different sending methods available with Western Union, as well as the fees each method generates.

For this reason, we will explain step by step how to send money through Western Union, including the requirements, different modalities, and the advantages and disadvantages of using this international agency.

What is Western Union and How Does It Work to Send Money?

Western Union is a network specialized in international money transfers, available through a large number of physical locations and online methods. It is an accessible method for sending remittances, as it is not necessary to have a banking account to use its services.

It offers two primary methods for international money transfers: online and in-person at a physical agency.

These are the requirements to send money through Western Union from the United States:

What Is Required to Make a Western Union Money Transfer?

  1. Be at least 18 years old
  2. Valid photo identification
    1. If visiting a Western Union agency in person, you may present your passport and, in some cases, your driver's license.
    2. If using the westernunion.com process, you must upload a photo of your ID and possibly a selfie or other identity verification requirements.
  3. Recipient’s information
    1. Ensure that you have the complete and correct details of the person receiving the money:
      1. Full name (as it appears on their identification)
      2. Recipient’s country and city
      3. Delivery method (cash pickup, bank deposit, or other)
      4. Payment method (card, bank account, or cash)

Comparison Between Western Union and Comun

Platform Fee Exchange rate (USD - MXN) You Pay Estimated Amount Received
Western Union $4.99 - 15 USD 1 USD = 16.70 MXN* 300 USD + fee 4,900 - 5,010 MXN
Comun From 2.99 USD, up to applicable limits 1 USD = 17 MXN* 300 USD + fee 5,100 MXN

*please note the exchane rate is subject to change at anytime.

In addition to offering more favorable fees and exchange rates for international money transfers, Comun lets you send money 365 days a year digitally from your home, including holidays, which can be affected by longer wait times due to increased customer volume.

Steps to Send Money Through Western Union: Online and In Person

Currently, Western Union allows you to make international money transfers from the U.S. through its website, mobile app, or in person.

Sending Money Online with Western Union

If you prefer to send money online through Western Union, simply follow these steps:

Log in or register on their platform

To open an account with Western Union, you must have the previously mentioned documents and complete the identity verification process.

Then, log in to the Western Union app or website.

Select destination country and amount

With Western Union, you can choose from a wide variety of destinations in Latin America and worldwide, including Mexico, the Dominican Republic, Colombia, Argentina, and others.

Choose payment method

Western Union offers various payment methods such as credit card, debit card, bank deposit, and cash payment.

Enter recipient information

Make sure to enter the recipient’s details correctly.

Confirm and obtain the tracking number (MTCN)

Once all information is entered, verify its accuracy and confirm the transaction. You will then receive a tracking number to monitor the transfer.

Sending Money to a Western Union Agency

If you prefer to send money in person, follow these steps:

Locate a nearby agency

To find the agency closest to your home, visit the website and select the “Find Location” option. Enter your ZIP code and review the available locations.

You may also call Western Union customer service at 1-800-325-6000 for more information.

Fill out the sending form

Go to the service counter and request the sending form, which you must fill out using the same details required for the online form.

Submit payment and fees to the agent

Once the form is filled out correctly, pay the agent the total amount plus the applicable fee.

Receive the tracking number (MTCN)

Finally, receive the tracking number and share it with the recipient so they can collect the money correctly.

Advantages and Disadvantages of Using Western Union for Remittances

Western Union is a popular option for sending remittances securely and quickly, used by thousands of immigrants in the United States every month.

Below are the main advantages and disadvantages of sending money with Western Union.

Advantages

Extensive global coverage and physical presence

Western Union allows you to send money to almost any part of the world, with approximately 500,000 agencies across more than 200 countries. It even offers transfers to rural and hard-to-reach areas.

Fast cash transfers

If you need to send money urgently, Western Union offers a cash pickup option, available within minutes.

Brand recognition and established history

With over a century of experience, Western Union has a strong reputation and proven security in money transfers through its global network.

Disadvantages

High fees

Generally, the smaller the amount sent, the higher the fee. Fees vary depending on the payment and delivery method and typically range between $4.99 and $15 USD, excluding currency conversion.

Uncompetitive exchange rate

In addition to the initial fee, you must account for the loss due to currency exchange, which is calculated using a less competitive margin than the market rate. As a result, your family receives less money compared to other options.

Sending limits

For unverified users, the sending limit is $3,000 USD per transaction. For verified accounts, the limit is $50,000 USD.

Lack of transparency in fee structure

Western Union’s fees are variable and depend on multiple factors such as the destination country, payment method, delivery method, and transfer amount.

Comun: A Fast, Transparent, and Affordable Alternative to Send Money to Your Family

There is no doubt that Western Union is one of the most well-established remittance services due to its long history and ease of access. However, it is important for users to choose the option that best fits their needs.

Before making a money transfer, it is essential to clearly understand all fees and additional costs; otherwise, your family may receive less money without prior notice.

Comun is the comprehensive solution that makes sending remittances easier and more affordable.

Additionally, it offers:

  • A mobile app also available in Spanish that allows you to send money easily to more than 17 countries in Latin America.
  • Your first money transfer is free, and afterward, you pay a fee starting at $2.99 USD  per transfer, up to the applicable limits.
  • You need a mobile device to open your account, an official identification from your country (passport, consular ID, driver’s license, among others), and a US residential address.
  • 24/7 customer support available in Spanish.
  • High security standards that help your money arrive safely and track your transfer in real time.
  • Transparent remittance fees.

Open your Comun account today.

Frequently Asked Questions

If you still have questions about how Western Union works, review our FAQ section:

Can I send money to myself through Western Union?

Yes, if you are traveling to another country and do not have a banking account, you can send money to yourself.

Why can’t I send money through Western Union?

There may be several reasons, such as exceeding the sending limit, rejected payment method, or incorrect recipient information.

How much does Western Union charge to send money?

Transfer fees depend on the recipient country, the amount, payment method, and delivery method.

Financial Education

Digital Banks in the United States: How to Open Your Account Easily and Quickly

8 min de lectura

Digital Banks in the United States: A Clear Guide to Opening Your Account

Having access to affordable financial services with features that let you carry out multiple operations in one place is essential for immigrants living and working in the United States.

Digital banks are a comprehensive solution that combines financial management with mobile technology to streamline processes compared with traditional banks.

These features are especially beneficial for immigrants looking for an alternative to access services that are often less feasible through institutions with physical branches.

In this guide, we explain why you should consider integrating digital banking into your lifestyle, how to open an account, and options for digital banks in the United States.

What Is a Digital Account and How Does It Work?

A digital account is a financial product that operates entirely online through mobile applications and digital platforms (website), removing the need to travel to a physical location to complete banking operations.

Here are some benefits of digital accounts.

  • Mobility and 24/7 access from anywhere: they are not limited to teller hours and allow transactions at any time and place.
  • Convenience for making payments and international money transfers: they allow sending money within and outside the country quickly.
  • Security and transaction control from the app: they include safeguards to prevent misuse of personal data and crimes such as fraud.

How to Open a Digital Account in the United States Step by Step

Opening a digital account is usually simpler than with traditional financial institutions—not only because it can be done from a mobile device, but also due to flexible requirements that allow immigrant communities to access financial services with the same quality standards.

These are the steps to open a digital account in the United States.

Required Documents

Unlike traditional banking services, you can open a digital account with documents you use day to day.

  • Official identification from your home country (valid passport, consular ID, driver’s license).
  • In some cases, proof of address in the United States.

Account Opening Process

Once you have your documents ready, follow these steps.

Step 1. Register on the digital platform/mobile app.

Go to the digital bank’s website or mobile application of your choice and enter your personal information to register.

Step 2. Identity Verification and Approval.

For security reasons, digital banks require an identity verification process that includes submitting an official ID, a selfie, and, in some cases, facial recognition.

Step 3. Account Activation and Access to the Mobile App.

Once the digital bank verifies your identity, you’ll receive an activation notice. Immediately afterward, you can access all services, set up direct deposits, send money in real time, and manage your finances.

U.S. Financial Platforms Recommended for Immigrants

If you’re wondering which digital platform for immigrants is ideal, there are several effective options, so it’s best to compare them and choose the one that best fits your expectations.

Común

Fees: Affordable fees for international money transfers to Latin America.

Ease of use: Open an account from a mobile device with a qualifying official identification from your home country.

Spanish support available: offers 24/7 customer service also available in Spanish via WhatsApp or the mobile app itself.

Mobile access: you have access to a mobile app for comprehensive financial management.

Zelle compatibility: not integrated.

Ally Bank

Fees: most accounts do not charge monthly maintenance fees. Approximately $20 for domestic wire transfers.

Ease of use: a 100% digital platform offering a mobile application and a website.

Spanish support: limited Spanish-language service.

Mobile access: service compatible with mobile devices.

Zelle compatibility: integrated.

Wells Fargo

Fees: maintenance and overdraft fees vary by account type.

Ease of use: offers mobile banking, online banking, and a digital assistant.

Spanish support: available.

Mobile access: full mobile features.

Zelle compatibility: integrated.

Revolut

Fees: charges a 1–3% fee for adding money via credit or debit card.

Ease of use: offers comprehensive, easy-to-use digital products.

Spanish support: you can change the app language, but there is no Spanish-language support.

Mobile access: fully available.

Zelle compatibility: not integrated.

Mercury

Fees: offers international USD transfers at no additional cost.

Ease of use: focused on corporate and tech companies.

Spanish support: not available.

Mobile access: fully available, but more focused on web dashboards.

Zelle compatibility: not integrated.

Cash App is another efficient financial platform—here we explain its benefits.

The Importance of Using Your Account Safely and Efficiently

Although digital platforms offer security measures to protect your assets, it’s always wise to keep the following recommendations in mind to reduce risks.

  • Set up transaction notifications and security alerts: they help you stay on top of your activity and detect any suspicious behavior.
  • Use strong passwords and enable two-step verification: this reduces the risk of falling victim to hackers.
  • Review activity regularly and learn to identify suspicious alerts: check text messages and transaction notifications, and report any unrecognized charges immediately.
  • Take advantage of the mobile app’s functionality for quick and reliable transfers: send and receive money easily within and outside the United States.

Discover Común, the Financial Option for Immigrants

In this article, we presented a practical alternative to traditional institutions so you can decide which digital bank in the United States fits your needs.

Común is not a bank, but a digital platform, it offers a mobile app and a debit card that work together to provide a service ideally for the immigrant community.

You can open an account with qualifying official identification from your home country and a mobile device to access the financial service you deserve.

Open your account with Común and start sending, receiving, and withdrawing money.

Frequently Asked Questions (FAQ)

If you still have questions, see the section below.

Can I open a digital account without a Social Security Number?

Unlike traditional banks, digital accounts often have more flexible requirements, and it may be possible to open one with a qualifying official identification from your home country and, in some cases, proof of address in the United States.

Are digital banks in the U.S. safe?

Yes, digital banks in the United States have security measures such as two-step verification and encryption. It’s advisable to apply all possible security measures, such as using a strong password and enabling notifications.

International Money Transfers

Alternatives for Sending Packages to Mexico from the United States

8 min de lectura

How to Send Packages from the United States to Mexico Without Complications

Being far from family and friends is one of the main challenges faced by immigrants living in the United States. Fortunately, sending mail is a way to maintain the bond with loved ones across borders.

In the United States there are several options for sending packages to Mexico. Below we explain the features of each service so you can choose the one that best fits your budget and needs.

Main Package Delivery Services from the United States to Mexico

There are two shipping options from the United States to Mexico: through USPS or private courier companies.

United States Postal Service (USPS)

These are the main United States Postal Service (USPS) shipping services and their characteristics. Please refer to their website for the most up-to-date information. 

Priority Mail Express

  • Delivery prices: starting at approximately $59.50 for standard international services.
  • Time: 3–5 business days.
  • Main features: offers express international delivery service, full tracking and limited insurance for certain types of packages.

Priority Mail

  • Delivery prices: starting at $30.90 for standard international shipments.
  • Time: 6–10 business days.
  • Main features: offers full tracking and moderate prices. Ideal for medium-sized packages that need to be delivered quickly.

First-Class Mail

  • Delivery prices: starting at $14.05 for envelopes.
  • Time: varies between 7 and 20 business days depending on customs processing.
  • Main features: an economical service ideal for sending documents and envelopes. In many cases tracking is only available until the package leaves the United States.

Private Courier Companies

There are also private courier company alternatives that offer excellent service and additional shipping options. Please refer to each courier’s website for most up-to-date information.

FedEx

  • Delivery prices: rates vary by package size, but they offer flat rates for packages up to 15 kilograms and an additional charge for extra weight.
  • Time: 3–5 days for express service.
  • Main features: international coverage with home delivery and includes customs paperwork.

UPS

  • Delivery prices: variable rates depending on package size and weight.
  • Time: 2–5 business days.
  • Main features: online tools for quoting and tracking packages plus strong presence in the United States.

DHL

  • Delivery prices: international shipments starting at $50.
  • Time: 2–5 business days with express service.
  • Main features: international presence, fast home-delivery service and online rate calculator.

Below is a comparison table to help you view the information more clearly.

Company

Type of Service

Estimated Cost

Average Time

USPS

Priority Mail Express

From $59.50

3–5 business days

USPS

Priority Mail

From $30.90

6–10 business days

USPS

First-Class Mail

From $14.05 for envelopes

7–20 business days

FedEx

International Express Service

Prices vary depending on size and weight

3–5 business days

UPS

International Express Service

Prices vary depending on size and weight

2–5 business days

DHL

International Express Service

Prices vary depending on size and weight

2–5 business days

Factors That Affect the Price and Delivery Time of Your Package

As seen in the previous section, it is impossible to precisely estimate the shipping cost and time for each courier service from the U.S. to Mexico. Several factors influence the final result, explained below.

Package Weight and Size

This is the main factor that affects the final cost of an international shipment — the heavier and bulkier the package, the higher the rate. Also check whether the company has a maximum shipping weight.

ZIP Code and Destination Location

The final destination also matters. Sending a package to Mexico City is usually cheaper than to a rural area.

Type of Service Selected

Express or priority shipping services are faster and therefore more expensive.

Peak Seasons and Holidays

If you ship during Christmas, New Year or high-demand dates, expect possible delays or extra costs.

What Do You Need to Send Packages from the United States to Mexico?

Before going to your preferred shipping carrier’s office, make sure all information is ready to avoid delays and ensure your package reaches your loved ones without issues.

Step 1. Check Customs Restrictions

Make sure your package does not contain restricted items for entry into Mexico, such as perishable food, flammable liquids or counterfeit goods. If unsure, check customs rules.

Step 2. Pack and Label Your Package Properly

Use a proper box or purchase one at the post office. If the contents are fragile, protect them well and place the label correctly when closing the box.

Step 3. Verify the Recipient’s Information and ZIP Code

Double-check as many times as needed that recipient details (name, ZIP code, neighborhood) are accurate. Even small errors can send a package to the wrong place.

Step 4. Keep Your Tracking Number and Shipping Receipt

Finally, keep the tracking number and receipt; they let you track the package and clarify any issues if needed.

Tips to Save Money and Time on Your International Shipments

We understand how important it is for immigrants to send packages to Mexico from the United States. More than a packaged product, it represents birthday gifts, greetings from afar, and fulfilled dreams for the people you love most.

That’s why it’s important to follow these tips when sending a package to Mexico.

  • Compare prices before shipping: remember that some services offer a flat rate, but the final cost depends on weight and size.
  • Avoid weekends or holidays: in addition to being more expensive, shipping may face delays.
  • Take advantage of promotions or loyalty programs: stay attentive to promotions offered by postal companies.
  • Group shipments whenever possible: try sending several items in the same shipment instead of one by one.

Send Packages to Mexico and Manage Your Finances with Común

Sending packages to your loved ones in Mexico is a way to show them they’re still important to you. That’s why planning your shipments—and your finances—is essential.

Get to know Común, the digital platform that helps immigrants manage their money in the most accessible way, as you can open an account using a qualifying official identification from your home country.

Just as your packages travel with care, Común supports your financial well-being.

Open your account with Común and stay connected with your loved ones through remittances.

Frequently Asked Questions (FAQ)

If you still have questions, check the following section.

How long does a shipment from the United States to Mexico take?

It depends on the courier company, but in general, an express service takes 3 to 5 business days.

How do I track my package?

When you send your package, you’ll receive a tracking number so you can follow it until it reaches its destination. Some courier options only provide tracking until it leaves the United States.

What is the most economical way to send a package to Mexico?

The USPS First-Class Package International Service is ideal for economical shipments, though the delivery time is usually longer.

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.

Financial Education

What is ACH and why is it important for sending and receiving money in the U.S.?

8 min de lectura

If you need to make bank transfers in the United States, it will be useful to know what the ACH network is and understand its importance in the country’s banking system.

ACH (Automated Clearing House) is an Automated Clearing House that handles the processing of electronic transfers between U.S. accounts.

It is highly relevant for receiving direct payroll deposits, also known as ACH credits, and for processing recurring payments, due to several advantages compared to the traditional bank network, such as cost reduction and traceability of operations.

According to official sources, in 2024 the ACH payment network processed around 33.6 billion electronic payments, with a value close to $86.2 trillion, underscoring the importance of this method in the U.S. financial system.

On this occasion, we will explain in detail the advantages of this type of transaction and provide some recommendations so you can get the most out of them.

What is ACH and how does it work?

ACH or Automated Clearing House is a network that allows money to move between banks, credit unions, and other financial institutions in the United States, where the use of cash or checks is not necessary, because everything is processed electronically.

The central part of this system is NACHA (National Automated Clearing House Association), which oversees compliance with the rules and ensures transfers are carried out according to established security standards.

It is very likely that in your daily life you have already used the ACH system without noticing it. For example, for:

  • Payroll deposits: every time you receive your salary in your bank account.
  • Bill payments: to pay basic services such as electricity and internet automatically.
  • Transfers between people: when you make an electronic transfer to a friend or to your own accounts.

Differences between ACH payments and other transfer methods

In the United States, there are different systems for moving money. In addition to the ACH network, you can rely on more traditional networks such as wire transfers and checks.

The main difference with other bank transfer systems is that ACH focuses on electronic, secure, and low-cost payments, which take longer than other options that tend to be more expensive; whereas ACH transfers are more suitable for recurring payments and direct deposits.

Below, we show you a comparative table so you can visualize the fundamental differences between ACH payments and other methods.

ACH Wire transfer Check
Transaction speed From 1 to 2 business days From minutes to hours From 2 to 5 business days
Cost per transaction Free or reduced Variable, around $25 to $50 USD There may be issuance costs
Geographic availability Only within the United States National and international National and sometimes international
Most common use Payroll payments, bills, transfers between accounts, automatic payments Transfers of large amounts of urgent money Traditional payments between people without access to a bank account

Benefits and some recommendations when using ACH payments

One of the main advantages of ACH payments is the security involved in using this system to transfer money. This is because it is regulated by an organization called NACHA, which verifies each transaction based on financial system regulations, thereby reducing the chances of fraud.

Despite the trust that ACH transfers provide, they also present some limitations.

These are the most common benefits and limitations of the ACH system:

Benefits

  • It is the lowest-cost method of transferring money, as transactions are free or have minimal fees
  • Transactions are protected by NACHA regulations, which guarantees their security
  • It is a system well-suited for processing recurring payments and subscriptions
  • It is easy to track operations, because all are recorded in the banking system

Limitations

  • Transactions take longer to complete. Generally, they are reflected the next day or up to two business days later
  • International money transfers cannot be made, only within the United States
  • Some banks may set daily limits, so it is not advisable for moving large amounts of money

If you need an alternative for making recurring payments and direct deposits to a bank account within the United States, the ACH network is a popular alternative due to its security standards and accessibility. But if you are looking for other types of financial services, you can consider more comprehensive options.

At Común we make your ACH payments easier

As you can see, ACH payments are a reliable option for making and receiving money transfers, as long as they are scheduled transactions within the United States and within the limits set by banks.

It is very important to have a reliable and transparent partner to move your money and manage your personal finances in a comprehensive and efficient way.

Meet Común, the platform that integrates the ACH network for direct deposits, payments, and transfers, and uses a service that has clear and visible rates in the mobile app.

Discover everything Común offers you!

  • Open your account with a qualified official ID from your country of origin—we accept more than one hundred of them!
  • Get a debit card and make purchases easily
  • Deposit cash at hundreds of locations near you
  • Make international money transfers for a fee starting at $2.99 USD, up to the available limits
  • Be part of a service that speaks your language and understands the needs of immigrants working in the United States

Don’t wait any longer—open your account at Común!

Frequently Asked Questions (FAQ)

If you have questions about what ACH is and what it is for, consult our Frequently Asked Questions section.

How long does an ACH transfer take?

Generally, ACH transfers take 1 to 2 business days. It is also possible they are completed the same day if the bank offers the same-day ACH option.

How much does it cost to send money via ACH?

ACH transfers are usually free up to the applicable limits. Some banks charge a minimal fee, around $3 USD. It is a more economical option than a wire transfer, which can cost more than $50 USD.

Is it safe to use ACH for personal payments?

Yes, ACH transfers are regulated by the NACHA system, so they are easily traceable and protected with anti-fraud security measures.

Can I use ACH if I don’t have a bank account in the U.S.?

No, to send money through the ACH system you need an account number from a U.S. bank or credit union. Otherwise, you can resort to more accessible alternatives such as Venmo, PayPal, and Común.

What is an ACH payment?

An ACH payment is a money transfer processed through the ACH system and managed by NACHA (National Automated Clearinghouse Association).

What is a wire transfer?

A wire transfer is a payment method that allows money to be moved from one bank to another electronically, both nationally and internationally.

Instant payments

Direct deposit vs wire transfer: comparison guide for U.S. immigrants

8 min de lectura

Direct deposit vs wire transfer: comparison guide for U.S. immigrants

These payment methods are both available in the U.S. but they are often used for different purposes. Direct deposit is commonly used for paychecks, tax refunds, and government benefits, while wire transfers are more often used for urgent or high-value transfers between financial institutions.

Understanding the difference between direct deposit and wire transfers can help you avoid unnecessary fees, choose the right payment method for your situation, and manage your money more confidently.

What's the difference between direct deposit and wire transfer?

The biggest difference is the purpose they serve. Direct deposit is commonly used for recurring payments such as salaries, benefits, and tax refunds. Wire transfers are commonly used to move money quickly between financial institutions, particularly for large or time-sensitive transactions.

FeatureDirect depositWire transfer
Common usePaychecks, benefits, tax refundsLarge or urgent transfers
Network usedACH networkWire transfer network
SpeedTypically 1–3 business daysOften same day or next business day
Typical costOften no fee to receiveFees may apply
International transfersLimitedCommonly used
Recurring paymentsYesLess common
Setup requiredRouting + account numberBank details + recipient information

How direct deposit works

Direct deposit is one of the most common payment methods in the United States, particularly for employees receiving wages from an employer. Instead of issuing a paper check, an employer sends the payment electronically to the employee's bank account through the ACH network.

To set up direct deposit you need to provide your employer: your bank's routing number and your personal account number.

How wire transfer works

A wire transfer is an electronic transfer of funds between financial institutions through secure financial networks like Fedwire or SWIFT. Unlike direct deposit, wire transfers are better suited for large one-time payments, urgent payments, real estate transactions, or international transfers.

When to use each one

Use direct deposit for:

  • Receiving your paycheck
  • IRS tax refunds
  • Social security or unemployment benefits
  • Recurring business payments

Use wire transfer for:

  • Real estate payments (down payment, closing)
  • Urgent international transfers
  • High-value business payments
  • When the recipient specifically requires a wire transfer

How to set up direct deposit with Común

With your Común account, you can set up direct deposit by providing your Común routing number and account number to your employer. Your Común account has unique routing and account numbers available in the app. Visit comun.app to learn more.

FAQ

Is direct deposit faster than wire transfer?

Not necessarily. Domestic wire transfers can be faster (same day), while direct deposits usually take 1-3 business days. However, many accounts offer early access to direct deposits up to 2 days early.

How much does it cost to set up direct deposit?

Setting up direct deposit is generally no fee. Employers use the ACH network to send payroll electronically at no charge to the employee.

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

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.

Financial Education

Wire Transfers, ACH, and Other Money-Transfer Methods

8 min de lectura

The ability to transfer money efficiently and securely is a cornerstone of economic interactions. This article explores the range of electronic transfer methods available today, comparing and contrasting wire transfers, Automated Clearing House (ACH) transfers, and other prevalent money-transfer mechanisms. By understanding the nuances of each international transfer method, from international money transfers to peer-to-peer platforms, individuals and businesses can navigate the complexities of financial transactions with confidence.

Wire Transfers: Speed and International Reach

Wire transfers stand out as a testament to the enduring value of fast, secure international money movement. Valued for their reliability, wire transfers allow individuals and businesses to transfer funds directly between bank accounts across the globe. The defining feature of wire transfers is their rapid processing, crucial for time-sensitive transactions. They leverage the vast international network of a financial institution, making it possible to send money to almost any country.

However, the efficiency and security of wire transfers come at a cost. They are generally associated with higher fees compared with other transfer methods, both for the sender and, occasionally, the recipient. These transactions also require the provision of precise and complete recipient bank details, including the bank name, account number, and routing numbers, ensuring that funds reach the intended destination without delays.

Despite the cost, the unmatched speed and security of wire transfers make them the preferred choice for large international transactions, where the assurance of timely and safe delivery outweighs the expense. Whether for business dealings, purchasing property abroad, or sending emergency funds, wire transfers offer a reliable solution, backed by the reputation and regulatory framework of traditional financial institutions.

ACH Transfers: Domestic Efficiency and Low Cost

The Automated Clearing House (ACH) network offers an efficient and economical alternative for domestic money transfers. ACH transfers encompass both direct deposits and direct payments, including payroll, government benefits, and bill payments. Unlike wire transfers, ACH transfers are processed in batches, which can lead to slower delivery speed, typically a few business days. However, the lower fees associated with ACH transfers make them an attractive option for routine domestic transactions. ACH transfers and wire transfers, while often mentioned together, serve distinct needs based on the urgency and geographic scope of the transaction.

The versatility of the ACH network extends beyond simple cost savings, providing a framework for a wide range of transactions beyond conventional check deposits and bill payments. This includes, but is not limited to, person-to-person (P2P) payments, business-to-business transactions, and even government-to-citizen payments such as tax refunds.

In addition, the arrival of same-day ACH processing marks a significant improvement in transaction speed, addressing one of the few drawbacks traditionally associated with remittance transfers through this method. Despite this advancement, the inherent delay in batch processing still makes ACH transfers less suitable for urgent transactions, positioning them as a preferred method for planned recurring payments where cost efficiency outweighs immediate fund availability.

The Rise of Digital Convenience:

Two methods stand out for their distinct approaches and unique benefits: person-to-person (P2P) transfers and traditional transactions at both banks and credit unions, and banks. P2P platforms like PayPal, Venmo, Cash App, and Google Pay have revolutionized the way we think about money transfers, offering a level of convenience and accessibility that aligns with the demands of the digital age. These platforms cater to a generation that values speed, simplicity, and the ability to transact on the go using only a smartphone. On the other hand, credit unions and banks represent the backbone of traditional financial transactions, providing a full suite of services ranging from everyday banking needs to complex international wire transfers.

Person-to-Person Transfers

As mentioned, platforms like PayPal, Venmo, Cash App, and Google Pay have become indispensable in the digital era, democratizing the process of sending and receiving money. These apps excel in user convenience, enabling transactions with just a smartphone. Linked to one’s bank account or debit card, they facilitate both domestic and, increasingly, international transfers.

While often free for basic services, they may charge small fees for instant transfers or currency exchange-rate conversion. The appeal of P2P platforms lies in their simplicity and the ability to transfer funds without needing the recipient’s banking details, only their phone number or email address.

Credit Unions and Banks: Traditional but Reliable

Credit unions and banks remain the backbone of the money-transfer ecosystem. Offering a range of services from direct deposits to international wire transfers, these institutions provide a secure, if sometimes more expensive, way to move funds. The choice between a bank and a credit union often comes down to the nature of the transaction—credit unions may offer lower fees and better exchange rates for their members, while banks might provide more comprehensive services for international and business transfers. Regardless of the choice, ensuring the transaction is completed with a reputable institution is paramount.

Deciding Between Money-Transfer Apps: Key Considerations

When comparing money transfer apps, several key factors should be considered to ensure the decision aligns with your personal or business financial needs. Here are the essential aspects to evaluate:

  • Fees: Compare the associated costs for sending or receiving money, including fees for instant transfers or foreign-currency conversion charges.
  • Transfer Limits: Check the maximum and minimum amounts you can send, as platforms vary widely in their limits.
  • Geographic Availability: Not all apps are available in every country or support international transfers. Make sure the app meets your geographic requirements.
  • Security: Investigate the security measures in place, such as encryption and fraud protection, to safeguard your financial information.
  • User Experience: Consider the app’s ease of use, customer support availability, and any additional features such as bill splitting or social functionality.
  • Delivery Speed: While some apps offer instant transfers, others may take a few business days. Choose based on how quickly you need the funds to be available.
  • Exchange Rates and Currency Options: For international transfers, evaluate the exchange rates offered and which currencies are supported.

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By carefully considering these factors, users can select a money transfer app that best suits their financial transactions, balancing convenience, cost, and security. Whether sending money to a friend domestically or managing international business transactions, the right money transfer app can make all the difference in achieving a smooth and efficient money-transfer experience.

Emerging Technologies and Financial Innovations

The financial sector continues to evolve, with emerging technologies and innovations offering new ways to transfer money. Blockchain technology, for example, has given rise to cryptocurrencies, which promise faster international transfers without the need for traditional banking infrastructure. However, these methods come with their own set of challenges, including volatility and regulatory uncertainty. As these technologies develop, they may offer viable alternatives to traditional and electronic fund-transfer methods. Some developments include:

  1. Decentralized Finance (DeFi) Platforms: These platforms are reshaping financial transactions by enabling peer-to-peer lending, borrowing, and investing without traditional intermediaries, using blockchain technology to ensure security and transparency.
  2. Smart Contracts: These self-executing contracts with the terms of the agreement directly written into code can automate and secure the execution of financial transactions, reducing the need for intermediaries and increasing efficiency and trust.
  3. Digital Wallet and Mobile Payment Integration: Integrating digital wallets with mobile payment systems is streamlining the process of making transactions, making them more seamless and accessible, and is poised to reduce reliance on physical bank cards and cash even further.

Conclusion

The world of money-transfer methods is diverse, each with its own set of advantages, disadvantages, and best-use scenarios. From the rapid international reach of wire transfers to the domestic efficiency of ACH transactions and the convenience of money transfer apps, the choice of method depends on the specific needs of the transaction, including speed, cost, and geographic reach. As financial technologies continue to evolve, staying informed about these methods will enable individuals and businesses to make the best decisions for their money-transfer needs, ensuring that funds are transferred securely, efficiently, and cost-effectively.

Financial Education

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

8 min de lectura

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.

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.