Comun redefine la banca digital para inmigrantes en EE. UU. con una plataforma 100% digital, accesible y de bajo costo, ofreciendo apoyo en tres idiomas y promoviendo la movilidad social.
8 min read

29 May 2024

Comun no tiene sucursales, pero cuenta con un equipo que apoya a sus clientes las 24 horas del día, los 7 días de la semana, sin salir de sus hogares, en tres idiomas diferentes.
Construir mejor futuro para los inmigrantes en los EE. UU. es un principio fundamental de la misión de Comun. Opciones bancarias accesibles y fáciles de entender son una parte clave del viaje del inmigrante. Sin embargo, las opciones son escasas.
Las opciones complejas, engorrosas y costosas son la norma. Actividades que pueden parecer triviales e intuitivas para los nacidos en los EE. UU. son abrumadoras y confusas para un inmigrante recién llegado. Todo, desde configurar un depósito directo con un empleador hasta enviar dinero a casa, realizar pagos de bienes y servicios o comprender cómo construir un puntaje crediticio, parece demasiado complejo para cualquiera que nunca haya tenido que hacer esto en los EE. UU., y mucho menos en absoluto.
Las tarifas ocultas y las comisiones costosas añaden un nivel de estrés al comenzar una vida financiera en los EE. UU. Entre los saldos mínimos de cuenta, las tarifas mensuales, los cargos por sobregiro, las grandes tarifas de depósito de cheques, las comisiones extorsivas de transferencias internacionales y todo lo demás, mantener y usar una cuenta bancaria en los EE. UU. puede ser costoso. Para los trabajadores manuales, esto puede representar un porcentaje importante de su salario.
Las ubicaciones físicas de los bancos tradicionales también pueden ser escasas en algunas áreas. Dado que abrir una cuenta bancaria o depositar un cheque o efectivo en la cuenta debe hacerse en la sucursal, esto es una carga significativa para alguien que vive en una zona remota. Muchos inmigrantes, a veces trabajando en granjas o fábricas remotas, viven en áreas a kilómetros de distancia de la sucursal bancaria más cercana. Los costos de transporte a esas sucursales se suman a las tarifas ya altas de usar y mantener una cuenta.
Incluso si los servicios bancarios proporcionados fueran más intuitivos, digitales y a un costo menor, queda otra barrera importante. Obtener la documentación necesaria para abrir una cuenta bancaria también puede dificultar el acceso a servicios financieros justos y simples. Los inmigrantes lo suficientemente afortunados como para tener autorización de trabajo aún necesitan reunir documentación importante que no siempre está disponible para ellos. Para aquellos que han llegado a los EE. UU. buscando asilo o mejores oportunidades de trabajo siguiendo un camino más no convencional, los documentos requeridos para abrir una cuenta a menudo son prohibitivos.
Construir una plataforma bancaria 100% digital para resolver los problemas mencionados es parte de lo que Comun busca lograr porque creemos en ayudar a desbloquear la movilidad social. Pero una plataforma digital, de bajo costo e intuitiva no es suficiente. Para navegar este proceso, los inmigrantes necesitan ayuda, y la ayuda se encuentra mejor en una Comunidad que los entiende cuando más lo necesitan.
Es por eso que no solo nuestros clientes son parte de nuestra Comunidad, sino también las personas que los ayudan las 24 horas del día, los 7 días de la semana a través de nuestra aplicación, redes sociales, WhatsApp o por teléfono. Más allá de resolver un problema inmediato, el apoyo brindado va más allá. Enseña y educa, empatiza y se esfuerza por fomentar un sentido de Comunidad de personas que los entienden, en términos que comprenden y en el idioma que hablan. Este es el núcleo de la verdadera banca comunitaria digital. Nuestro equipo les ayuda a configurar su depósito directo, conectarse a Zelle, obtener reembolsos por cargos con los que no están de acuerdo y todo lo demás.
En Comun, el primer paso en este viaje ha comenzado. Nuestro equipo en Mérida, México, es parte de nuestra Comunidad y a la que buscamos servir. Son una extensión de nuestra misión y de nuestra plataforma digital, y un ingrediente necesario para desbloquear la movilidad social para millones de inmigrantes en los EE. UU.
Conclusion
Starting a business as an immigrant is entirely possible with the right steps. By choosing the right business structure, obtaining the necessary tax IDs, and registering properly, you’ll build a strong foundation for success.
Need an easy way to manage your business finances?
Común offers banking solutions designed for Latino entrepreneurs. Open your account today!

Olivia Rhye
Community Partner

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

Financial Education
8 min de lectura
Nowadays, making purchases with a credit or debit card in physical stores and online is an essential activity for acquiring everyday goods.
Security in these operations is essential. For this, these payment methods use the CVV or CVC code, which means Card Verification Value or Card Verification Code respectively, and its purpose is to verify that the cardholder has the physical card and to protect online and phone purchases.
Below, we will explain in detail what the CVV is, where to find it, the types of security codes, and tips to keep your cards secure.
If you are going to make purchases online or by phone, you will need to provide the security code of your debit or credit card to verify it belongs to you.
In most cases, the CVV is located on the back of the card and consists of 3 or 4 numbers.
Here is a quick guide to locating the verification code depending on the card type.
Card type
Where to find the CVV?
How many digits does it have?
Visa
Usually on the back, next to the magnetic stripe.
3
Mastercard
Usually on the back, next to the signature.
3
Discover
Usually on the back, to the right of the signature.
3
American Express
Usually on the front, next to the card number.
4
One way to strengthen security during electronic transactions is the use of a dynamic CVV, which is found in digital applications or cards and is valid only for a limited time to make a single purchase. This reduces the risk of misuse of your personal data if it is exposed.
The CVV number is a security lock that allows you to use your physical and digital cards with confidence that a third party cannot access your money.
These are the most important functions of this security code.
It is especially useful for protecting electronic operations by verifying that the cardholder is the one making the purchase.
When making an online purchase, you must enter the card’s CVV to validate the transaction. This process is more secure when using a dynamic CVV because it reduces the risk in case of fraud.
Unlike other data usually included on physical cards, such as the number and expiration date, the CVV is not stored in online store systems, so your data remains safe in case of potential identity theft.
The purpose of the CVV is to provide you with security and peace of mind when making online purchases.
You may notice different types of CVV since the name can vary depending on the card issuer.
These are the security codes most commonly used by financial institutions to protect users’ cards.
The CVV (Card Verification Value) is the security code created for Visa cards. It consists of 3 or 4 digits and is used to confirm that the person making the purchase actually has the card.
The CVC (Card Verification Code) is the version of the CVV used by Mastercard cards. It has the same function and a similar composition.
The CVV2 (Card Verification Value 2) is a digital version of the CVV used to provide greater protection in online purchases. While the traditional CVV is used during payments at card terminals, the CVV2 is requested to confirm remote transactions.
Some people avoid or minimize the use of physical or digital cards due to fear of having their personal data stolen and generating unauthorized charges. However, financial institutions and digital platforms currently offer the necessary security measures to protect your assets.
Thanks to the implementation of codes such as the CVV, the risk of experiencing a security incident is minimal and decreases even more when you have the right information to apply practical strategies like the following.
Bank cards are useful tools that require responsible and cautious use. Learning to use your card safely and confidently is also part of building financial stability.
This time we explained what the CVV or CVC is, why it is important, and gave you some tips to keep your checking accounts secure.
The security provided by the CVV is the same you need in all your financial operations, such as digital payments, cash deposits, and international money transfers. For this, you have Comun, the digital platform specially designed for immigrants living in the United States who want to manage their money safely and without complications, with clear and competitive fees.
Comun is the financial platform that truly understands your needs and offers fair, tailored solutions.
Open your Comun account and start managing your money in the United States with confidence. Send, receive, and monitor your expenses from the mobile app.
If you still have questions, check the following section.
It is not advisable to give your CVV to someone else, as they could make purchases not authorized by you. Make sure to protect your banking information so only you have access to it.
No, the card number consists of 16 digits and identifies the checking account. The CVV consists of 3 or 4 digits and verifies that the holder is the card owner.
In physical stores, it is not strictly necessary, as the purchase is validated with the chip and PIN. For online purchases, it is essential to enter the CVV to authorize the transaction.

International Money Transfers
8 min de lectura
Have you heard of Zelle? It is a highly popular digital payments platform in the United States. It allows users with accounts at affiliated banks—whether traditional banks, digital banks, or credit unions to easily send and receive money.
In 2024 alone, Zelle reported 151 million enrolled accounts, including individuals and small businesses, reflecting its widespread adoption among U.S. users.
If you need to send money outside the United States easily, for example Mexico, you may be wondering which banks in Mexico support Zelle.
However, this platform does not have agreements with any banks in Mexico, and it is mandatory to have a U.S. banking account to access its services.
Nevertheless, there are other options as efficient as Zelle for sending money to Mexico, such as banking accounts with integrated remittance services and international money transfer applications.
Below, we explain how to receive money through Zelle, the benefits it offers for users in the United States, and the alternatives available for sending money to other countries.
Zelle is a digital payments service that facilitates P2P (peer-to-peer) transfers at certain partner banks within the United States.
It is known for being a fast service, with money transfers reflected within minutes, in addition to being free and having broad coverage throughout the U.S.
It operates through the mobile apps of participating banks, as it is directly integrated with them and only allows money transfers to other Zelle users.
But which bank in Mexico is compatible with Zelle? Unfortunately, it is not possible to send or receive money through this platform in Mexico, as it is not designed for international money transfers and only complies with the technological and regulatory standards of the U.S. financial system.
No bank in Mexico is compatible with Zelle services, meaning that international money transfers cannot be made through this platform.
To use Zelle, you must have a U.S. banking account at one of the affiliated banks.
Here is a list of some of the major banks that support Zelle in the United States:
Although Comun is not integrated with Zelle, this does not limit its functionality, as it is a comprehensive personal finance solution that goes beyond just money transfers.
If you need to send money to Mexico quickly, you will have to choose a different service than Zelle, as it only allows bank transfers between U.S. accounts.
The main reasons Zelle is not available in Mexico are:
If you have used Zelle to send money within the United States, you are likely looking for a similarly reliable system to make international money transfers.
In addition to traditional banks, there are alternatives that offer integrated remittance services to facilitate money transfers to Mexico.
Comun is a platform that meets the needs of many people in the United States, especially the immigrant community, by allowing remittances to be sent to loved ones easily, at very low cost, and through a single mobile application.
Another alternative for making international money transfers is to use platforms specialized in this type of transaction.
Examples include:
The advantage of these platforms is that a bank account is not required, and their operation is accessible. However, the money transfer fees vary depending on factors such as the amount to be sent and the exchange rate.
You can also opt to make money transfers through traditional banks, for which you will need the SWIFT code of the receiving institution in Mexico and the recipient’s banking details.
Although it is a secure option, it is also one of the most expensive, due to high fees and intermediaries that increase the cost.
For example, a U.S. bank like Bank of America charges a $45 USD fee plus an average of 1% to 3% exchange rate margin. Therefore, in a money transfer of $1000 USD, the recipient receives approximately 900 pesos MXN less than with specialized international money transfer platforms.
If the recipient does not have access to a banking account, you can choose a service for cash deposit and withdrawal at physical locations.
Some examples include:
Although Zelle is a very effective service for sending and receiving money within the United States, it has limitations that prevent international money transfers, making it more suitable for citizens who need to make frequent payments within U.S. territory.
For the immigrant community in the United States, it is important to choose a solution that not only facilitates money transfers but also offers a complete, accessible, and easy-to-use finance platform.
Comun is the platform that will simplify your financial life in the United States, offering the following benefits:
Open your Comun account and access a financial service without complications.
Yes, Zelle is only available through the online banking platforms of affiliated U.S. banks.
Can I send money to Mexico via Zelle if I have a U.S. account?
No, no bank in Mexico is compatible with Zelle.
What are the best alternatives to Zelle for sending money to Mexico?
Comun: a fintech platform that provides access to an account and remittance capabilities.
Does Comun offer Zelle for sending money to Mexico?
Comun is not connected to Zelle, but you can send money to Mexico for a fee starting at $2.99 USD per transfer up to the applicable limits.
How do I set Zelle to Spanish?
Since it is a service available through the affiliated bank apps, you must access their settings and select Spanish as the preferred language.
How do I download Zelle?
Go to the Play Store or App Store and search for Zelle. Remember, it is only available in the United States.

Checking account
8 min de lectura
Una cuenta de banco es una cuenta financiera que un cliente tiene en un banco. La cuenta bancaria permite a los clientes depositar y retirar dinero, así como emitir cheques. Por esto mismo también se le llama cuenta de cheques.
Las ventajas de tener una cuenta bancaria son, entre otras:
Abrir una cuenta bancaria es relativamente fácil. Tendrás que facilitar algunos datos personales, como su nombre, fecha de nacimiento y dirección. También se le pedirá una identificación; normalmente el número de Seguridad Social (SSN por sus siglas en inglés) basta para esto. Bancos más modernos, como Comun, ofrecen la posibilidad de reemplazar el SSN con su pasaporte o matrícula consular. Es posible que también se le pida documentación que demuestre prueba de residencia.
Hay diferentes cuentas bancarias entre las que puede elegir. La cuenta de banco más común es la cuenta corriente, que le permite depositar y retirar dinero, así como emitir cheques. Una cuenta corriente es una gran opción si quieres acceder a tu dinero fácilmente sin llevar efectivo encima, ya que la tarjeta de débito de tu cuenta te permite hacer pagos en cualquier establecimiento.
Otro tipo de cuenta bancaria habitual es la cuenta de ahorro. Las cuentas de ahorros le permite ahorrar dinero y ganar intereses sobre sus depósitos. Es una gran opción para los que quieren acumular sus ahorros con el tiempo.
También hay una serie de cuentas bancarias especializadas, como las cuentas para estudiantes, personas mayores y empresas. Asegúrese de investigar las diferentes cuentas bancarias disponibles y elija la que mejor se adapte a sus necesidades.
Muchos clientes de bancos eligen gestionar su cuenta bancaria en línea. Esto puede hacerse a través del sitio web o la aplicación del banco. La gestión de su cuenta bancaria en línea le permite acceder a su cuenta 24 horas al día, 7 días a la semana.
Algunas de las cosas que puede hacer en línea son:
Algunas cuentas, como las que ofrece Comun, son completamente gratis. Sin embargo, hay muchos bancos que sí cobran comisiones. Entre ellos están algunos de los bancos más populares de Estados Unidos: Bank of America, JPMorgan Chase, Citigroup y Wells Fargo. Éstas son algunas de las comisiones que cobran:
Ciertos bancos también limitan el uso del español en sus interfaces digitales o en sus centros de atención al cliente. Asegúrese de investigar las comisiones que se cobran y el lenguaje que se usa antes de abrir una cuenta con cualquier banco.
La Federal Deposit Insurance Corporation (FDIC) es una agencia gubernamental que asegura los depósitos de los consumidores en los bancos que forman parte de su red. Es importante escoger un banco que cuenta con este respaldo, ya que tendrás hasta $250,000 de tus fondos asegurados por el gobierno de Estados Unidos en caso de que tu banco falle.
En Comun encontrarás una cuenta coriente completamente gratis, en español (desde la aplicación móvil hasta el servicio al cliente), y con la flexibilidad de aplicar con su pasaporte, sin importar su nacionalidad. La apertura de cuenta es muy fácil y tendrás acceso a ella 24 horas al día, al igual que la posibilidad de pagar facturas o depositar cheques. Comun cuenta con el respaldo del FDIC, así que tus fondos están asegurados por hasta $250,000 USD.
Como con cualquier otro servicio financiero, asegúrate de investigar diferentes opciones disponibles y elija la que mejor se adapte a sus necesidades.

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

Living in the United States
8 min de lectura
Do you have children about to enter school in the United States? Understanding the U.S. education system is essential for adapting to a new culture and preparing for the differences compared with your country of origin.
Broadly speaking, the U.S. education system is divided into three stages: Elementary School, Middle School, and High School. Each plays a specific role in students’ academic journey. This system covers ages 5 through 18 and forms the central framework of schooling in the country.
In this article, we explain each of these stages and detail their purpose to demystify how students progress through the system and its educational levels in the United States.
In the United States, it is common for children to begin schooling around age 5. After kindergarten, it is divided into 12 grade levels.
Below, we show how the U.S. education system is structured.
Early childhood education or preschool is not mandatory in the United States. However, it is common for children under age 5 to attend pre-K (preschool) or kindergarten.
These centers focus on young children’s cognitive development through play and early literacy activities. For this reason, there is no grading system. Kindergarten is offered through private and public options or via the Head Start social assistance program for low-income families.
After that, children will enter primary education or Elementary school starting around age 6, depending on the school district.
This level typically covers 1st through 5th grade and is characterized by the gradual introduction of more advanced knowledge, with the aim of building cognitive and social development through learning skills such as mathematics, science, and language, among others.
After finishing primary education, students continue with Middle school, which typically covers 6th through 8th grade. It is a transitional stage between primary and secondary education.
The next level is secondary school or High school, typically covering grades 9 through 12. It culminates in the High school diploma, a basic requirement to continue with higher education or enter the job market.
Postsecondary or higher education in the United States includes different types of programs as well as private and public schools. Although it is not strictly mandatory, it provides more opportunities for good jobs and higher earnings.
These are the types of higher-education institutions in the U.S.
If you need to send money to another country, explore some options and tips.
The U.S. education system can be somewhat confusing compared with other countries, such as some in Latin America. Below is a comparison table to clarify general equivalencies, keeping in mind that there are variations in each country.
| Grade level in the United States | Typical Ages | Equivalence in Mexico |
|---|---|---|
| Preschool | 3–4 years | Preschool/kindergarten |
| Kindergarten | 5–6 years | Final year of preschool |
| 1st grade | 6–7 years | 1st year of elementary |
| 2nd grade | 7–8 years | 2nd year of elementary |
| 3rd grade | 8–9 years | 3rd year of elementary |
| 4th grade | 9–10 years | 4th year of elementary |
| 5th grade | 10–11 years | 5th year of elementary |
| 6th grade | 11–12 years | 6th year of elementary (start of Middle school in some countries) |
| 7th grade | 12–13 years | 1st year of Middle school |
| 8th grade | 13–14 years | 2nd year of Middle school |
| 9th grade | 14–15 years | 3rd year of Middle school (may be the final year of secundaria or 1st year of High school) |
| 10th grade | 15–16 years | 1st year of High school |
| 11th grade | 16–17 years | 2nd year of High school |
| 12th grade | 17–18 years | 3rd year of High school |
| Postsecondary education | 18 and up | University |
The U.S. education system is characterized by flexibility to adapt to students’ abilities and interests in order to foster their full potential.
For this reason, it is common for students to be placed into specific classes according to their learning level, which may be more or less challenging.
Another relevant aspect to consider is the school calendar and schedule in the United States. These can vary by state and school district, but in general the school year begins in late August or early September and ends in late May or early June.
As you can see, the U.S. education system is intentionally designed to guide students from basic education through higher studies and, afterward, into working life.
Each level has a clear function, which makes it easier for families, students, and educators to plan and provide support in order to make more informed decisions along the school path.
Without a doubt, your children’s education is one of the most important investments, because it is a way to secure their future.
Común is the ideal financial platform to help you manage tuition payments and handle school expenses for higher education.
Común is a financial platform with a mobile app that makes it easy to open accounts in the U.S. with a qualified official ID from your country of origin, send low-cost remittances, and provide bilingual Spanish and English language support for the immigrant community.
Learn about all the benefits of opening an account with Común for you and your family.
As an immigrant, Común allows you to open an account with a qualified official ID from your country, with no hidden fees and bilingual Spanish and English language support.
If you still have questions, consult our Q&A section.
How do you enroll your child in school?
Go to the school district where you live to find out which school corresponds to your address. Complete the required documents and the enrollment application.
Requirements may vary by state or school district, so it is important to verify directly with your local school.
Public schools are funded by government tax revenues, while private schools are funded by tuition.
These are the terms used in U.S. high schools and universities to indicate year level

Financial Education
8 min de lectura
Certified checks are a common form of payment for thousands of immigrants living in the United States, especially for major purchases such as rent payments, buying a car, and legal settlements.
However, it is not always clear why the certification process matters and how it differs from other types of checks.
A certified check is a physical payment order that has been reviewed in advance by a financial institution to ensure there are sufficient funds in the issuer’s bank account. This is the fundamental reason it’s considered a safer form of payment than a personal check.
Below, we explain in detail what a certified check is, how it works, and why it’s important to understand the differences from other types of checks.
A certified check is a type of check with guaranteed funds, since the issuing bank has verified the money exists in the checking or personal account.
This makes it a safer form of payment than personal checks, because the bank sets aside the amount to be paid so it can be collected by the payee.
Issuing a certified check is a straightforward process you can complete directly at the financial institution of your choice.
The account holder must go to a bank and request a certified check, specifying the payee and the amount.
You must present an official ID to verify that you are the holder of the savings or checking account from which the funds will be drawn.
The bank then certifies there are sufficient funds to cover the check and freezes them to ensure the payee can cash it.
You must sign the check before finishing the process so the bank can confirm the signature matches the one on file.
Affixing the certification stamp
Finally, once the bank has verified the funds and the signature, it places a certification stamp to document completion of the process.
A cashier’s check is another way to make secure payments using a physical instrument. In this case, the bank branch issues the check after receiving the customer’s payment, so the funds come from the bank itself.
Below is a comparison between a cashier’s check and a certified check.
Cashier’s check
Certified check
Security
High; the bank verifies sufficient funds and places a hold for the payee.
Very high; the check is backed by the bank and does not depend on the issuer’s account.
Cost
At some banks they have no cost at others up to approximately $15.
Depends on the bank; typically $10–$20.
Issuance time
At the branch, after funds are verified.
Immediate.
A certified check is commonly used for significant transactions or large amounts. This gives the recipient assurance that funds are available.
When finalizing a lease or purchasing an apartment, the landlord or agent may request payment via certified check to guarantee funds.
Whether dealing directly with owners or dealerships, a certified check can be a suitable option because of the security it provides.
For example, to pay fees, settlements, or indemnities, certified checks provide security for both parties.
Some educational institutions accept certified checks as a form of payment, especially for international or first-time payments.
Do you know what to do if a check is stolen or lost? We explain it here!
While certified checks are among the safest payment methods due to the bank’s verification process, there are still fraud attempts using forged documents.
With this in mind, keep these tips in mind to avoid becoming a victim of check fraud.
Call the bank directly and provide the check number, account holder, and amount; ask them to confirm authenticity and that funds are guaranteed. Make sure you call the bank’s official number, not the one printed on the check.
A common scam is sending a check for more than the amount due and asking for the difference in cash. Confirm the check’s validity with the bank before proceeding.
Clearing can take 3–10 days. Make sure the funds have fully settled and are not just on hold.
Whenever possible, accept checks only from people you trust. If you must take a check, follow the security measures above.
In this article we explained what a certified check is, how it’s issued, how it differs from cashier’s checks, and how to use this payment method safely.
While certified checks can be a good payment option, a checking account in the U.S. is a much more secure and practical way to manage money.
Meet Común, your financial ally in the United States!
Send, receive, and cash money within and outside the United States. Our platform lets you move your money easily, quickly, and securely. You need a qualifying official ID from your country of origin to get started.
Open your account with Común today and discover a financial platform tailored to you.
You can request certified checks at financial institutions such as banks, credit unions, and some digital banks.
The cost depends on the bank but is typically between $10 and $15.
Other types of checks in the United States include: Money order; Personal check; Cashier’s check.

Living in the United States
8 min de lectura
Having health coverage is essential to ensure you receive care when you need it. It’s also a way to invest in your future by preventing large out-of-pocket expenses from costly procedures.
There are many health insurance options in the U.S., so there isn’t a single “best” plan—what’s best depends on your needs and budget.
Although access to healthcare is a basic need, enrolling in a plan can be confusing for immigrant communities.
Below you’ll find a comparison of the main health insurance options in the U.S., key evaluation criteria, and answers to frequent questions—so you can choose the best option to protect you and your family.
Before choosing a plan, carefully assess your personal and family needs, as well as benefits, medical terms, and the features of each option.
Key points to keep in mind before signing anything.
Some plans cover only basic services, while others offer comprehensive coverage including hospitalization, specialist visits, and prescription drugs. Review your medical needs (and your family’s) to gauge the right level.
You must understand both before enrolling. The deductible is what you pay out of pocket before your plan starts paying; the copay is the fixed amount you pay each time you use a covered service.
Check that the plan includes a robust network of hospitals and clinics near your home or work, so you can access care when needed.
As an immigrant in the U.S., note that some plans require certain immigration status, state residency, and/or income qualifications.
Also review extras such as preventive care, mental health, wellness programs, and maternity coverage.
Remember: a low price doesn’t automatically mean the best option—it must fit your (and your family’s) specific needs.
The U.S. health insurance market includes a range of public and private plans.
Here are key options you should know.
Plans under the Affordable Care Act (ACA) are offered through federal/state marketplaces. They must include essential health benefits and prescription coverage. Income-based subsidies may lower costs.
A public program for people with low incomes; covers children, pregnant people, people with disabilities, and families. Usually no premium; some services may have small copays.
A program for people 65+ (and some with disabilities). It’s divided as follows:
Private coverage can be purchased directly or provided as an employer benefit. These plans vary in coverage levels and typically include broad provider networks.
Remember: beyond a policy, a health plan is protection for you and your family—take the time to choose well.
Here’s a comparative table of major U.S. health plan types.
Plan type
Who it serves
Approx. costs
Primary coverage
ACA Marketplace
People without employer private insurance.
Costs vary by coverage; income-based subsidies can lower premiums.
Essential benefits: hospitalization, preventive care, prescriptions, emergency care, etc.
Medicaid
People with low incomes.
Generally no premium; small copays for some services.
Broad medical and hospital coverage nationwide.
Medicare
People 65+ and certain disabilities.
Hospital and medical services coverage
Employer-sponsored private insurance
Workers (and dependents) covered by employers.
Costs include premiums, deductibles, and copays—vary by plan.
Hospital, specialists, prescriptions, emergency services, etc.
Don’t forget: as an immigrant in the U.S., verify eligibility rules related to immigration status.
In this article, we covered what to consider before enrolling, the different plan types, and how to compare benefits.
There’s no single “best” plan—it depends on your personal and family needs and budget.
Beyond medical costs, immigrants need safe financial services to manage their money.
Común is the financial platform you’ve been looking for—discover the benefits!
Open your Común account today and manage U.S. medical bills simply and transparently.
If you still have questions, see the section below.
Among the top U.S. health insurers are:
It isn’t required at the federal level, but some states—like California and New Jersey—mandate coverage or impose penalties.
Official sources include: HealthCare.gov (federal Marketplace to view/compare/enroll); Finder.Healthcare.gov (to find off-Marketplace plans); Medicare.gov (compare Medicare plans by ZIP code).

Financial Education
8 min de lectura
The Colombian community has a strong presence in the U.S., with many immigrants arriving each year to visit, live, study, and work.
Staying in touch with family across borders matters. That’s why it’s useful to know the different ways to make international calls from the U.S. While it can seem tricky, it’s easy if you have the right codes.
If you want to call loved ones back home in Colombia, below you’ll find step-by-step dialing instructions from the U.S., examples, and a full area-code table.
Before calling anyone in Colombia, know the sequence: international prefix + country code + local number.
This is the international prefix from a landline. If you’re using a mobile phone, use the “+” sign instead.
This identifies Colombia in the international telephone system.
For landlines include the city area code. For mobile phones, dial the full 10-digit mobile number.
Examples:
There’s a difference between calling a landline and a mobile in Colombia from the U.S.: landlines need the regional area code; mobiles are dialed using the “+” format on cell phones.
Below you’ll find the area codes for Colombia’s main cities to ensure you dial correctly when contacting your family.
City
Area code
U.S. dialing example
Bogotá
1
011 57 1 #######
Medellín
4
011 57 4 #######
Cali
2
011 57 2 #######
Barranquilla
5
011 57 5 #######
Cartagena
5
011 57 5 #######
Bucaramanga
7
011 57 7 #######
Pereira
6
011 57 6 #######
Cúcuta
7
011 57 7 #######
Santa Marta
5
011 57 5 #######
Manizales
6
011 57 6 #######
The phone is a favorite way to bridge distances and stay in touch with loved ones across borders.
Years ago, international rates were expensive, making frequent calls home difficult.
Today, digital options have lowered costs and made cross-border communication much easier.
Below we show some affordable options to help you stay in touch with the people who matter most.
Mobile apps are hugely popular worldwide. They enable texting, voice notes, and voice/video calls over Wi-Fi or data—significantly cutting costs.
WhatsApp is the most popular, and other solid options include FaceTime, Google Voice, and Skype.
If you prefer traditional calling, look for an international plan from your U.S. provider with minutes to Colombia—great for frequent calls.
You can pick plans with minutes to landlines and mobiles or Colombia-specific bundles.
Examples of U.S. carriers include AT&T Prepaid, T-Mobile, Verizon, and Ultra Mobile. Options range from unlimited international add-ons and prepaid plans with international calling to limited-minutes bundles and mixed data/calling packages.
If you’re in the U.S. for only days or weeks, a mobile plan may be overkill. A prepaid calling card can be ideal—no PINs in many cases and you only pay for the minutes you use.
As you’ve seen, calling Colombia from the U.S. is straightforward—just use the correct codes. You can also choose affordable alternatives like mobile apps or prepaid cards.
Staying in touch shows care and support. It also helps to have accessible services to send money and support their well-being.
Meet Común your direct link to the ones you love!
Ready to revolutionize how you connect with your finances?
Open your Común account today and complement your calls with a fintech platform that supports your financial life in the U.S.
Still have questions? Check our FAQ section below.
If you don’t dial 011 from a landline or “+” on mobile, your call won’t be recognized as international and will fail as a local call.
There are several affordable options—apps like WhatsApp, Skype, or Google Voice; prepaid calling cards; or an unlimited international plan. The best choice depends on your habits and how often you call.
Costs vary by method. For example, AT&T offers unlimited add-ons around $15/month and Verizon offers 300 minutes for about $10/month.

Financial Education
8 min de lectura
One way to improve personal finances and optimize expenses is to apply modern, automated savings alternatives linked to daily purchases through various payment methods.
Los programas de recompensas con reembolso son una alternativa para que tu dinero rinda más, ya que ofrecen recompensas que te permiten obtener reembolsos en tus compras.
There are different ways to access these types of benefits: through automatic promotions from some credit cards, shopping platforms that reward users for shopping at their partner stores, and certain mobile applications that credit cashback for purchases like fuel.
Knowing and applying these strategies will help you improve your financial management and reduce your worries. Comun is the platform that helps you improve your financial relationship and make your life easier.
Below, we’ll explain how cashback reward works and share some tips to get the most out of it with the right financial platforms.
Cashback can be understood as a discount on your purchases. You earn cashback after buying a qualifying product or at a participating store.
Cashback appears in everyday purchases — for example, when you go to a café and pay with an eligible card, when you shop through an app that offers this benefit, or when you pay for gas with a cashback-enabled card.
Although the ultimate goal of cashback is to reduce part of the cost, it has some differences compared to traditional discounts.
Cashback Reward
Traditional discounts
Definition
Returns a percentage of your purchases after you make them.
Reduces a product’s price before purchase.
Advantages
Disadvantages
The cashback reward can take several days or weeks to be credited. Available only with participating cards or mobile apps.
The cashback reward varies depending on the financial institution or program offering it. To calculate it, use the following formula if cashback reward is by percentage:
Total Cashback Reward = (purchase amount) × (cashback percentage)
For example, if your debit or credit card offers 2% cashback and you spend $100, you get $2 back.
Here are the some of the ways to receive the cashback reward, depending on the program:
Cashback reward is a very useful tool to make the most of every dollar spent, saving amounts that might seem small at first but make a difference later when buying essentials.
Therefore, cashback reward encourages financial education by promoting consistency and smart shopping habits.
Here are some practical advantages of cashback reward:
Remember that consistency is key when using cashback reward to ease future expenses such as gas, groceries, or medicine — and to increase your ability to save and send more money to your loved ones in your home country.
Using cashback reward is itself a smart way to handle daily purchases. Keep these tips in mind to make the most of this benefit.
Use cashback reward only for purchases already included in your budget. This allows you to earn rewards from items you always buy, without falling into poor spending habits.
The fact that a product offers a cashback reward, no matter how high, isn’t reason enough to buy it if you don’t really need it.
It’s advisable to track how much cashback you earned each month and ensure it’s credited back correctly, which helps you know exactly how much you’re saving and motivates you to maintain good financial habits.
You can use spreadsheets or cashback reward mobile apps that include financial management tools to help with this.
In this article, we explained what cashback reward means, its benefits, how it works, and ways to use it wisely.
The habit of saving is essential, especially for immigrants living in the United States who seek to improve their quality of life and that of their families. While cashback reward helps optimize regular purchases, Comun simplifies financial management through a comprehensive platform.
Comun is the financial platform designed to ease financial management for immigrants in the United States.
Discover all the benefits Comun has for you!
Remember that managing the savings you earn through cashback reward will allow you to support your family’s projects and goals.
Turn your cashback reward into more opportunities for you and your family.
If you still have questions, check the section below.
Yes, cashback reward is designed to give you a percentage back from everyday purchases such as gas, groceries, and public transportation. However, it’s not recommended to use cashback reward as motivation to make unnecessary purchases.
Although credit cards are one of the most common ways to earn cashback reward, they are not required — there are other alternatives such as debit cards with cashback or digital accounts, as well as platforms like Rakuten, Ibotta, Upside, or Honey.
Cashback on credit cards is a way to earn a percentage of cashback for your purchases. Some financial institutions also offer bonuses or additional benefits. If you use a credit card, make sure to pay the full balance to avoid interest charges.
It’s a benefit that gives you a percentage of your purchases back directly to your debit card.

Living in the United States
8 min de lectura
One of the greatest challenges faced by the immigrant community living in the United States is dealing with the nostalgia of being far from their home country and loved ones.
A father is one of the most important family members, as he ensures that nothing is missing at home—from daily meals to the unconditional love that lasts a lifetime. That’s why, despite the distance, celebrating Father’s Day is especially meaningful.
Since the date of this celebration varies between the U.S. and Latin America, we’ll explain when Father’s Day is celebrated in both regions, how it’s observed, and how to stay connected with those you love most.
The origin of Father’s Day dates back to the early 20th century, when Sonora Smart Dodd proposed honoring fathers in tribute to her widowed father who raised six children on his own. Since then, the United States has observed the third Sunday in June as the official date to celebrate fathers.
Gradually, the celebration spread within and beyond the country, reaching much of Latin America, where—alongside Mother’s Day—it’s a special occasion to strengthen family unity.
For the immigrant community, this day has become more emotional than usual. On one hand, there are many fathers in the U.S. who arrived seeking a better future for loved ones back home. On the other hand, there are children celebrating their fathers from afar, offering love and support across borders.
Some of the ways fathers and children stay in touch include sending remittances to their home country, exchanging messages, and making video calls to stay connected.
In the United States, Father’s Day is celebrated on the third Sunday of June—a day that has become a symbol of recognition for the dedication of fathers who provide for their families and offer unconditional love.
Do you know how the first Father’s Day began? The celebration was promoted by Sonora Smart Dodd, inspired by her father, a Civil War veteran who raised six children alone. The idea was well received and gradually became popular nationwide until President Richard Nixon made it an official holiday in 1972.
We explain what CashApp is and all its benefits.
For the immigrant community in the U.S., this day is an opportunity to thank fathers for their hard work and sacrifice over the years to support their families.
Some common ways this special day is celebrated include:
Families in the U.S. often spend the day together eating and drinking at home, listening to music, dancing, and sharing funny stories about their fathers.
Another option is to enjoy outdoor family activities such as organizing or attending a soccer game, having a picnic, or watching a movie together.
One way to bring families together across borders is through international calls or video chats. Fortunately, there are now more ways than ever to bridge the distance through technology.
In most of Latin America, the date of Father’s Day doesn’t vary much.
Country
Cultural Differences
Mexico
Celebrated with traditional meals, school festivals, and greeting cards.
Colombia
Families host lunches accompanied by live music.
Peru
A day to honor the hard work of fathers.
Chile
Not an official holiday, but still celebrated with family meals.
Argentina
Originally celebrated on August 24, a date still observed in some provinces.
Distance is no reason to skip celebrating such an important occasion. Here are a few ways to show your dad you’re thinking of him even if you live in another country.
More than a material item or money, sending a gift or remittance to your father is a way to show that he remains an important part of your life.
This is the easiest way to stay in touch, not only on Father’s Day but also throughout the year. You can organize a group video call and invite family members to celebrate together.
Photos are the best way to preserve special moments with loved ones. You can create a collage of meaningful pictures and share it with a heartfelt message.
Traditional food is one of the best ways to connect with your roots. Even if you’re far from your father, you can honor him by cooking his favorite dishes and remembering his presence.
In this article, we showed you when Father’s Day takes place in the U.S. and several Latin American countries, and offered ideas to celebrate from afar.
Your father is one of your strongest pillars of support. Likewise, Común is here to back you with the financial security you need.
Sending money to your father and other loved ones is something you should entrust only to a platform that understands the needs of immigrants in the United States.
Discover Común, the digital platform that allows you to send money from the U.S. to Latin America easily and with clear, fair fees. Best of all, you can open an account with a qualifying official ID from your home country.
At Común, we understand that love for your father transcends physical distance. With our financial tools, you can continue supporting your family with confidence—wherever you are.
If you still have questions, take a look at the section below.
This is not an official holiday in Mexico, although it’s sometimes confused with Father’s Day celebrations in countries such as Guatemala or El Salvador.
This year, Father’s Day took place on Sunday, June 15.
You can choose to make video calls, send remittances or gifts, and express to your father how important he is in your life.

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







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