Despite the fact that digital payment methods have gained significant relevance practically worldwide, checks remain essential for carrying out certain transactions, especially for people without a banking account.

According to recent data, 61% of Americans still use checks. However, 17% have been victims of check fraud.

Knowing how to endorse a check in the United States is a necessary security measure to prevent fraud. While it can be a confusing procedure, it is crucial to understand it in order to avoid issues.

In this article, we will explain step-by-step how to correctly endorse checks, as well as the information you need to write on the back in order to cash the stated amount.

What Is a Check Endorsement and Why Is It So Important in the U.S.?

A check endorsement is a signature on the back of the check that serves as authorization for it to be cashed at a financial institution.

Its main function is to validate the cashing of the check, as well as authorize the transfer of funds, or to transfer the right to another person.

Knowing how to endorse a check is essential because it is a primary security requirement in the U.S. financial system, serving as a protection measure for the holder and the deposited funds.

What Is the Correct Way to Endorse a Check, and Where Should You Sign?

Below, we show you how to complete the endorsement before cashing checks at the bank.

Step 1: Verify the Check Details

Make sure the details on the front of the check are correct, such as the payee’s name, the amount in numbers and words, and the banking institution.

Step 2: Locate the Endorsement Area

Turn the check over and locate the statement “Endorse Here” or “Do not write below this line.” Avoid writing below the marked area.

Step 3: Sign the Check Precisely

Sign the check in the designated box, according to the type of endorsement you require. Next, we will explain everything about the different types.

But what should you do if the payee’s name is incorrect?

Example of How to Endorse a Check if the Name Is Misspelled

If the payee’s name is incorrect, you should first sign as it appears and then sign again with the corrected name.

James Smit — James Smith

Step 4: Consider a Restrictive Endorsement (Highly Recommended!)

A restrictive endorsement is a security measure to prevent an unauthorized third party from cashing the check, as it limits the form of payment to a registered banking account. It is linked to the information provided on the back of the check.

Step 5: Multiple-Payee Endorsements

If the check is made out to more than one payee, one or all may need to sign the endorsement, depending on how it is written.

• Katy Adams and Mark Palmer: Signatures from both are required

• Katy Adams or Mark Palmer: One signature is sufficient

• Katy Adams and/or Mark Palmer: Depending on the intermediary bank, one or two signatures may be required

• Katy Adams, Mark Palmer, etc.: The bank determines whether one or all signatures are necessary

Types of Endorsements: Know the Options for Your Checks

Before endorsing your check, verify which type is most suitable depending on the transaction you need to perform. For example, a restrictive endorsement is a way to secure your money, just like using modern financial alternatives such as Común, a comprehensive service that gives you access to unified and efficient financial tools.

Blank Endorsement

A blank endorsement is carried out when the same payee cashes the check in cash. In this case, only the signature in the designated area is needed.

Restrictive Endorsement

A restrictive endorsement is a security measure to ensure that the funds are deposited into a specific banking account.

To do this, you must include the statement “for deposit only to” + bank name, account number, and signature.

This is the most recommended method for Común users who make deposits via mobile, as it provides protection for the check in case of loss and ensures that the money is deposited into the designated account.

Third-Party Endorsement

If the check will be cashed by a third party, it must be endorsed as follows.

Pay to the order of: (name of another person) + signature

It is important to exercise extreme caution with this type of endorsement. Use it only with trusted individuals, and in case of theft or loss of a check, report it to the financial institution immediately.

Business Endorsement

A business endorsement is made when a check is cashed in the name of a company. This requires including the full name of the company, followed by the signature of the authorized legal representative.

Mobile Deposit Endorsement

To deposit check funds through a mobile application or mobile banking, it must be endorsed as follows:

For mobile deposit only + your signature.

Deposit your endorsed check easily and securely using Común

Cashing checks is a process that requires special care and attention in order to avoid mistakes and setbacks that could affect the transaction.

This time, we learned the importance of correctly endorsing a check in the United States, as well as the different types that exist, according to the available cashing methods.

Now that you know how to fill out a check on the back, you can rely on Común to deposit the funds through the mobile app.

Skip the lines: Deposit your check from the app; availability of funds may vary.

Común offers you the necessary security to protect your money and personal data

It is an accessible platform for immigrants in the United States; request to open your account with documentation from your country

Get customer support in English and Spanish, available 24/7

Access a comprehensive mobile app to manage your personal finances in the simplest way

Común will not only make the check deposit process easier, but it will also transform your financial life in the United States. Open your account today and find out.

Frequently Asked Questions

Is it mandatory to endorse a check in the United States?

In most cases, yes, it is necessary. If you request a deposit through an ATM or application, the bank may not require an endorsement.

What happens if I sign the check incorrectly when endorsing it?

Avoid cross-outs or scratches and endorse the check again. If the bank rejects it, ask the issuer to issue a new one.

Can I endorse a check to another person?

You can endorse a check so that it can be cashed by another person with the statement “pay to order of” along with the payee’s name. However, this process is restricted according to each bank’s specific policies.

Is it safe to deposit a check with the mobile app?

It is safe to deposit a check through the Común mobile app, as your data is encrypted and it includes other security measures such as two-step verification.

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

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

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

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

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

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

Early childhood education

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

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

Elementary school

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

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

• Characteristics: students generally have the same teacher for almost all subjects, except for those requiring specialized knowledge, such as physical education.

• Grading system: it can vary by district, but it is common for students to be assessed using a letter scale—A, B, C, D, and F—or, alternatively, a numeric scale from 1 to 4.

• Approximate Ages: between 6 and 11.

Middle school (junior high school)

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

• Characteristics: students have a different teacher and classroom for each subject, which promotes independence and socialization.

• Grading system: the formal A through F system is typically being used.

• Approximate Ages: between 11 and 14.

High school

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

• Characteristics: in addition to required subjects such as English, math, and science, students can complement their education with electives and extracurricular activities.

• Grading system: both the A–F letter scale and the GPA (Grade Point Average) are generally used; GPA serves as an indicator of academic performance and is key for college admission.

• Approximate Ages: between 14 and 18.

Postsecondary education

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

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

Public or private universities

• They offer a curriculum lasting approximately 4 years.

• Upon completion and passing of the program, graduates receive a Bachelor’s degree.

• The admission process depends on prior academic performance, reflected in the GPA.

• There are public universities funded by the government and private universities as well.

Community colleges

• These are public colleges offering educational programs that last 2 years.

• Upon completing this program, students earn an Associate’s degree, equivalent to a technical program.

• They are more accessible than a university, and admission rates are also higher.

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

Technical or vocational institutions

• They focus on acquiring knowledge related to practical trades, such as nursing, graphic design, and programming.

• They also offer certificates to recognize completed studies.

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

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

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

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

• Placement depends on several factors, such as:

• How well the student understands English or their test scores—especially for foreign students

• Recommendations from parents/guardians

• Standardized test scores and prior academic performance

• Willingness to complete challenging assignments

• The student’s interest or motivation

• Teacher or counselor recommendation

• Examples of student work demonstrating their level of understanding and skills

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

How to manage your finances in the United States with Común

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

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

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

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

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

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

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

Frequently asked questions

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

How do you enroll your child in school?

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

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

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

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

What do Freshman/Sophomore/Junior/Senior mean?

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

• Freshman: 1st year

• Sophomore: 2nd year

• Junior: 3rd year

• Senior: 4th year

What is needed to enter school in the United States?

• Minimum age depending on the level

• Birth certificate

• Up-to-date vaccination record

• Proof of residence in the district

Every day, millions of people in the United States rely on different methods to send money safely and quickly, whether within the country or, in the case of immigrants, to their countries of origin.

The wire transfer is one of the most popular methods for sending money through financial institutions that provide backing and traceability to ensure the recipient receives the funds.

According to Federal Reserve (Fedwire) data, in 2024 there were 209.9 million wire transfers, representing 8.6% growth compared to the prior year.

Today, the dynamism of the financial system has led to different solutions for making domestic and international money transfers. That is why it is important to understand what a wire transfer is, how it works, and its advantages and disadvantages.

How does a bank transfer or wire transfer work?

A bank transfer or wire transfer is an electronic method of sending money from one bank account to another in real time and without the need for cash. It is especially advisable for transmitting large amounts when extra security is required.

The mechanism for using this transfer service is as follows.

Initiation by the sender

To make an electronic transfer, the sender must initiate the process, either in person (at a bank) or digitally (through a mobile application).

At the beginning of the process, it is necessary to provide the recipient’s information in order to complete the transaction.

Sending of instructions

The bank or financial institution verifies and validates the funds, as well as their sufficiency or insufficiency in the sender’s bank account.

Receipt and crediting

Once the information has been validated, the funds are sent to the indicated account through secure networks according to the type of money transfer.

• Fedwire: a system operated by the National Reserve, for transfers of large amounts of money within the United States

• CHIPS: a system operated by The Clearing House, for international transfers

Advantages and disadvantages of bank transfers (Wire Transfers)

Making a wire transfer has several pros and cons, such as the following.

Advantages

Speed

In the case of domestic wire transfers, the money is deposited within minutes or in less than one business day, making it advisable for urgent payments.

For international bank transfers, the time can range from 1 to 3 business days, so you should consider this limitation if you need to send money outside the United States.

Security

Money moves through official U.S. networks, which provides certainty and facilitates tracking. It also reduces the risk of fraud and scams by dispensing with traditional payment methods such as cash or checks.

Ideal for large amounts

Compared with other transfer platforms (such as Zelle, Western Union, and ACH transfers), wire transfers do not have send limits that are as low, making them ideal for moving large amounts of funds safely and quickly.

Traceability

When a wire transfer is made, each movement is recorded through the networks used, making it easy to trace the money if any issue arises during the process.

Disadvantages

Cost

Banks charge transfer fees that are considerably higher compared with other alternatives.

The cost of domestic transfers ranges from $15 to $30 USD, while international transfers can exceed $50 USD if intermediary institutions must participate in the process.

Irreversibility

If an error is made or you are the victim of fraud, a transfer cannot be reversed. In addition, the bank is not responsible for erroneous electronic payments that were duly authorized.

Detailed information required

To complete the transfer, precise information is required, such as the SWIFT code and the recipient’s name. If a figure is incorrect, the operation will still be carried out.

There are more accessible alternatives for making electronic transfers, such as Común, which provides access to a mobile application and a debit card, with simple procedures. In addition, Común account funds are FDIC insured up to the applicable limits through an FDIC-insured bank.

Required information and how to make a Wire Transfer effectively

Before making an electronic transfer, it is crucial to gather the necessary information so that your money reaches its destination without issues.

Essential data to send a wire transfer

Recipient’s full name 

Make sure to write it exactly as it appears on their account.

Name of the receiving bank 

Write the bank’s full name, without acronyms or abbreviations.

Routing number (ABA) for domestic transfers in the U.S. 

It is a 9-digit code that identifies each bank in the United States.

SWIFT/BIC code for international transfers 

It is an international identifier for each bank.

Bank account number or IBAN for international transfers 

The IBAN is an international code that includes the country identifier, the bank identifier, and the bank account number.

Exact amount to send

It is very important to verify the amount to be sent, because an erroneous operation cannot be canceled.

Tips for a successful and secure transfer

Before making this type of transfer, it is essential to keep some recommendations in mind to avoid issues or errors that could affect your finances.

Double-check all information

Take the time to ensure you have entered exact and correct information, since once a transfer is authorized, it cannot be reversed.

Understand all associated fees before sending

Transfer fees depend on various factors, such as the issuing bank, amount, and—if international transfers are involved—the participation of intermediaries and the exchange rate used.

It is very important to understand all costs involved in a wire transfer, as in some cases the figure can be quite high and not very competitive.

Use reliable and transparent platforms

Ensure that your bank is a reliable institution and has appropriate security measures to handle large amounts of money. Identify whether it has FDIC backing to insure bank deposits in the United States.

Stay alert to possible fraud

Avoid sharing personal information with strangers, as well as passwords or verification codes. If you have any doubts or receive a suspicious call, contact the financial institution directly.

Común: The solution for your transfers in the U.S.

Now that you know what a wire transfer is, you will see that it is very useful for moving money, especially when large amounts are involved and a secure, fast method is sought. However, there are modern alternatives that make sending money easier.

Común offers a more accessible alternative that simplifies money management, especially for immigrants in the United States.

In addition, it offers a simple platform for making domestic and international transfers for a fee starting at $2.99 USD, up to the applicable limits.

Discover an easier way to manage your finances from the palm of your hand. Download the Común mobile app and transfer money without complications.

Frequently Asked Questions

What is the difference between a bank transfer and a wire transfer?

A bank transfer is the general way to refer to any type of digital movement of money. A wire transfer refers to the network used to carry it out. There are also ACH (Automated Clearing House) transfers and mobile payments.

How long does it take to process a wire transfer?

For domestic transfers, they are usually completed the same day if initiated before the cut-off time. After that time, they take about one business day.

International transfers usually take 1 to 3 business days.

Can I cancel a wire transfer once it has been sent?

No, it is not possible to cancel a wire transfer once it has been fully processed. 

Are there amount limits for wire transfers?

There is no set limit; it depends on each bank. However, the permitted amounts are higher than with other alternatives.

En la era digital, enviar y recibir dinero se ha vuelto más fácil y rápido que nunca. Existen aplicaciones móviles que nos permiten transferir fondos a amigos, familiares y negocios con solo unos clics en nuestro teléfono. En este artículo, te presentamos las mejores y más populares aplicaciones para enviar dinero de forma segura y eficiente.

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1. Zelle:

Zelle es una aplicación de transferencia de dinero desarrollada por un consorcio de bancos de EE. UU. que permite a los usuarios enviar y recibir dinero directamente entre cuentas bancarias. Al estar vinculado a las cuentas bancarias, Zelle ofrece una forma rápida y segura de transferir dinero sin la necesidad de una aplicación de terceros. Para utilizar Zelle, solo necesitas una dirección de correo electrónico o un número de teléfono móvil y una cuenta en un banco participante. Aunque sea la opción más popular en Estados Unidos en estos momentos, tiene mucho trabajo que cumplir para mejorar la accesibilidad en español.

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2. Común:

De las aplicaciones en esta lista Común es, sin duda, la mejor para la comunidad Latina en Estados Unidos. La experiencia del app de Común es totalmente en español, clara y rápida. Cuenta con servicio al cliente 100% en español. Con líneas de teléfono, chat, y mensajes de texto, Común es el app para mandar dinero más accesible para aclarar dudas. Además de las transferencias personales sin límites, Común también ofrece una cuenta bancaria y guías para poder conectar Común con Zelle, Paypal, Venmo y Cashapp. Asi es, aparte de ser una de las mejores apps para mandar dinero, con Común puedes conectarte a todos los apps en esta lista. Las cuentas Común están aseguradas por el FDIC hasta $250,000.

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3. PayPal:

PayPal es, sin duda, una de las aplicaciones de pago en línea más conocidas y utilizadas en todo el mundo. Con una presencia global en más de 200 países, permite a los usuarios enviar y recibir dinero en diferentes monedas. Además de las transferencias personales, también es ampliamente utilizado para pagos en línea en tiendas y plataformas de comercio electrónico. Cuenta con una función de protección al comprador y vendedor que brinda mayor seguridad en las transacciones.

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4. Cash App:

Cash App, desarrollada por Square, es otra aplicación popular para enviar y recibir dinero en los Estados Unidos. Con Cash App, puedes vincular tu tarjeta de débito o crédito para realizar pagos rápidos a amigos y negocios. Además, la aplicación permite comprar y vender criptomonedas como Bitcoin y ofrece un programa de recompensas llamado "Boosts", que brinda descuentos en compras en establecimientos seleccionados.

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5. Venmo:

Venmo es una aplicación propiedad de PayPal, especialmente popular entre los jóvenes en los Estados Unidos. Permite enviar y recibir dinero rápidamente entre amigos y conocidos, incluso con mensajes y emojis personalizados. Aunque Venmo es gratuito para transferencias personales, tiene una pequeña comisión para recibir pagos por servicios o ventas. Una característica distintiva de Venmo es su componente social, ya que permite a los usuarios ver y comentar las transacciones públicas de sus amigos.

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Enviar y recibir dinero nunca ha sido tan fácil como con estas aplicaciones populares y confiables. Cada una de ellas ofrece características y ventajas únicas, desde la presencia global de PayPal hasta la flexibilidad y accesibilidad de Común. Asegúrate de investigar y comparar las diferentes aplicaciones para encontrar la que mejor se adapte a tus necesidades y preferencias. ¡Comienza a realizar transferencias de dinero de manera rápida y segura hoy mismo!

Driver’s license in the United States for foreign nationals: steps and requirements

Having a driver’s license makes everyday tasks easier, such as going to work, the supermarket, school, medical appointments, and more. This process is especially important for immigrants living in the United States, as it gives them independence and stability in the country.

Although the process to obtain a driver’s license varies in each state, foreign nationals do have the possibility and the right to obtain one. Below, we explain all the details so you can get this permit soon.

Can you drive with an international license in the United States?

If you have recently arrived in the United States and need to get around in your own car, you may temporarily use the driver’s license from your home country, as long as it is issued in English or accompanied by an international driving permit.

As a new driver in the United States, you must understand the difference between an international license and a local one: the former supplements your national license and allows you to drive in the U.S. for a few months; the latter is issued by the Department of Motor Vehicles (DMV) in each state and grants you a permanent permit to operate a motor vehicle in the country.

Regulations differ in each state: for example, in California you can drive with a valid foreign license until you become a resident. In contrast, in Texas your national license is valid for 90 days, and you must always carry your passport or visa.

Allowed period to drive with a foreign license

The maximum time allowed to drive with a foreign license varies depending on each state’s local regulations. In general, the period can range from 30 days to one year, from the day you arrive until you establish yourself as a permanent resident.

When is it necessary to apply for a U.S. driver’s license?

If you plan to live in the United States for a longer period, you need a U.S. driver’s license to drive. It is also essential if you plan to buy a car.

Also, remember that in some states the period to drive with a foreign license is limited, so you should consider applying for a U.S. license before that deadline expires.

Requirements to obtain a driver’s license in the U.S. as a foreign national

The requirements to obtain a driver’s license also vary by state, although the general structure is similar.

This is the documentation needed to obtain a driving permit in the United States.

• Valid passport or official identification: used as proof of identity.

• Proof of residency: can be a utility bill, rental agreement, or official letter showing your address.

• Immigration status or proof of legal presence: such as the Employment Authorization Document (EAD) or the I-20 form for students.

• Social Security Number (SSN) or an SSA ineligibility letter.

Keep in mind that states such as New York and Illinois allow applicants to obtain a driver’s license without considering immigration status.

Learn here how to send money without a bank account.

5 steps to apply for your U.S. driver’s license

Getting your driver’s license may seem like a complex and tedious process. In reality, you only need to stay organized and take the time to understand the guidelines.

Step 1. Gather your documents

Before going to a DMV office, make sure to prepare the required documents. In the previous section we outlined what you generally need, but remember to check for variations in the state where you live.

Step 2. Schedule an appointment at the DMV

Then, visit the DMV website and book an appointment. On the scheduled day, your documents will be reviewed and you will be given a date for the written exam.

Step 3. Take the written exam

The written exam evaluates your knowledge of traffic rules and road safety. Each state offers a driver’s manual to study for the test, and some are available in other languages, such as Spanish.

If you pass, you will receive a learner’s permit that will allow you to take the driving test under the guidance of an instructor.

Step 4. Take the driving test

The next step is probably the most challenging, as you must apply your theoretical knowledge in real driving practice. During the test, the instructor will evaluate your ability to follow traffic signs, park, turn, and follow safety rules.

Step 5. Pay the corresponding fees

Once you pass your driving test, you must pay a fee that varies by state. Initially, you will receive a temporary license and later receive your permanent license by mail.

Costs, timelines, and validity of a U.S. driver’s license

The cost of a driver’s license in the United States depends on each state, but generally includes the cost of the written exam, driving test, and issuance. The validity also varies by state, but it is usually between 4 and 8 years.

Additionally, a positive update for immigrants is that more states are removing immigration status requirements to issue a driver’s license; this is the case in California, New York, and Illinois.

If you have questions about the specific requirements in your state, check the updates on the official DMV website.

Drive toward your financial independence with Comun

Having a U.S. driver’s license represents another step toward achieving financial independence and making it easier to move around your city. Therefore, it is essential to understand the process to obtain one, as well as the differences in each state.

In other words, having a license simplifies and improves your life by making everyday tasks more accessible. Likewise, Comun is the financial platform that helps you manage your money safely and without complications.

Open your account with Comun and take the next step toward your independence in the United States. Manage your money with confidence, clarity, and support at every step.

Frequently Asked Questions (FAQ)

If you still have questions, check the following section.

How long can I drive with my foreign license in the U.S.?

The duration varies depending on the state you are in, but generally ranges from three months to one year.

What happens if my immigration status changes after I obtain my license?

If your immigration status changes after you obtain your driver’s license, it is recommended to update your information at the DMV. You may need to apply for a new license or present updated immigration documentation.

Is it valid to use an international license in all states?

Although the international driving permit (IDP) is accepted in most states, it must be accompanied by a valid national license. Additionally, there may be restrictions on how long it can be used in each state.

Can I get a driver’s license without a Social Security Number (SSN)?

Yes, it is possible to apply for a driver’s license without an SSN in several states. In this case, you must present an ineligibility letter issued by the Social Security Administration (SSA).

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Knowing the cost of living in the United States is essential if you plan to build a life in this country. It includes the amount of money needed to cover basic expenses such as housing, food, health, public transportation, etc.

You’ve surely asked yourself before how much money you need to live well in the U.S. The reality is that this figure is relative, since costs vary considerably from one State to another.

However, in general terms, it is possible to state that the main expense is housing, followed by food and health services.

This time, we will explain how much it costs per month to live in the United States, which is the cheapest State to live in the USA, and the approximate costs you will have to cover so you can consider your monthly budget.

What does the cost of living in the United States mean?

Cost of living refers to the amount of money required to cover the necessary expenses to subsist, which are divided as follows:

• Housing: monthly rent or mortgage.

• Food: purchasing groceries and prepared food.

• Transportation: public transit or your own car.

• Health: health insurance, medical care, medications, treatments, etc.

• Education: tuition, school supplies.

• Basic services: electricity, water, internet.

The average cost of living varies in each State, because each one has a particular lifestyle that may be more or less affluent, depending on the type of services available and the area’s infrastructure.

Knowing which States are the cheapest in the United States is essential to adjust your monthly expenses in a competitive way.

Main expenses in the United States

Starting a new life in the United States entails covering a series of monthly expenses that could affect your finances if they are not planned correctly.

Below, we show you the national average of basic necessities in this country.

Housing: the largest monthly expense

Housing is the largest expense you will have once you arrive in the United States, especially if you plan to live in a city like New York, known for its high costs.

Housing costs also depend on whether it is a mortgage or rent.

In March 2025, the average rent was $1.575 USD for a one-bedroom apartment and $1.835 USD for a two-bedroom apartment.

On the other hand, in the same month, the average mortgage rose to $2.807 USD, which represents an increase of 5.3%.

Food and basic services

According to the Thrifty Food Plan from the United States Department of Agriculture (USDA), an adult between 20 and 50 years old requires approximately $309.20 USD per month, while a child between 9 and 11 years old spends around $234.20 USD.

Health and health insurance

As for health insurance, the cost depends on several factors, such as the beneficiary’s age, place of residence, and level of coverage.

This is the national average cost by level of coverage for people over 40 years old.

• Bronze: $488 USD

• Silver: $621 USD

• Gold: $676 USD

• Platinum: $913 USD

Transportation: public vs. own car

For its part, the national average cost of public transportation in the United States reaches $975 USD annually or $81 USD monthly, while the cost of maintaining a car exceeds a thousand dollars per month.

Cost of living in the United States by State and city

Remember that the previous figures are a nationwide average, so prices may be lower or higher depending on the city and State where you intend to live.

¹ RentCafe, 2025

² ZipRecruiter, 2025

³ Smart Assets, 2024

⁴ Smart Assets, 2025

⁵ Click2Houston, 2025

As you can see, the cities of New York and San Francisco are among the most expensive nationwide, so it is advisable to choose a more accessible place to live, such as Texas.

Remember that these data are an estimate and your salary could be higher or lower, as could your monthly expenses and the money needed to live.

What is the average salary in the United States?

Another important aspect in determining the cost of living in the United States is the average salary and the minimum wage—concepts that could be confused but are actually very different.

On the one hand, the minimum wage is the amount from which an employer must start to set employees’ pay. It is established by law.

This varies in each State. According to the U.S. government, at the federal level this figure reaches $7.25 USD per hour, although several States set a higher minimum. For example, in California and New York it is $16.50 USD.

The average salary is the average income a worker receives per month. This amount is obtained by adding total wages and dividing by the number of workers.

By contrast, the real amount needed to live comfortably is the sum of the average costs of essential services such as housing, utilities, and food, in addition to other types of expenses such as leisure.

It is very important to be clear about the difference between the average salary and the real cost of living, since it is likely that your salary will not match your needs, especially if you are the head of a large family.

For example, while the average salary in San Francisco, California, is $7,938 USD, the amount needed to live is $9,993. In contrast, it is worth highlighting States such as West Virginia, where the average salary is $5,405 per month and the income needed to live is $6,735 USD. As you can see, the gap is much smaller, which places this State as the most accessible to live in the United States.

Manage your money better in the U.S. with Comun

Having a checking account will make financial control easier so you can stay on top of all your monthly expenses, organize income, and send money home.

That’s what Comun is for! A financial platform designed for day-to-day needs in the United States through an easy-to-use mobile app that is available in English and Spanish. Opening an account is very easy and fast; you can do it with qualifying official identification from your country of origin.

In addition, it makes it easier to send remittances to several countries, up to the applicable limits, without complications, so that your family receives more money for less.

Why choose Comun?

• Get a Visa debit card.

• Send money home with accessible, transparent fees.

• Save money and pay your bills easily.

• Anti-fraud security

And much more!

Open your account with Comun today and manage your financial life in the United States with security and confidence.

Frequently Asked Questions (FAQ)

Which city in the United States is the cheapest?

Within West Virginia, cities such as Huntington, Charleston, or Parkersburg are often among the most affordable in the country.

Which state in the USA is more affordable to live in, according to the cost of living?

West Virginia is considered an affordable State in the country.

How can I calculate the monthly cost according to my lifestyle?

Add up your necessary monthly living expenses, for example:

Monthly cost: Housing+Utilities+Food+Transportation+Other

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. 

• Via the website citas.sre.gob.mx.
• Via WhatsApp at 1-424-309-0009.

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.

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

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

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

What Is a Check and What Is It Used For?

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

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

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

In general, a check contains the following information:

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

What Are the Different Types of Checks?

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

Personal Check

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

What Is a Personal Check Used For?

The most common uses for personal checks include:

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

Certified Check

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

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

Cashier’s Check

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

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

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

Money Order

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

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

It allows secure money transfers without requiring a bank account.

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

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

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1. Write the Date

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

2. Payee’s Name

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

3. Amount in Numbers

Write the numerical amount clearly.

4. Amount in Words

Write the amount in words, including cents.

5. Add a Memo

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

6. Sign the Check

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

7. Review the Information

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

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

How to Correctly Write Numbers in Words on a Check

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

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

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Cash Checks and Manage Your Money Easily with Comun

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

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

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

Why Choose Comun?

• Open your account with an official ID from your country

• Access a mobile app specifically designed for immigrants in the U.S.

• Make payments, receive your salary, and manage your finances

• Send money to your loved ones in LATAM for just a $2.99 transfer fee

Frequently Asked Questions

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

What if I Make a Mistake Filling Out a Check?

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

How Do I Void a Check?

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

What Information Appears on the Back of a Check?

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

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How to create an emergency fund and save in the U.S., step by step

If you’re new to the United States or facing financial challenges, it’s very important to have strategies to prepare for any eventuality.

An emergency fund is an excellent way to do this, and it also builds your financial literacy. It’s a cash reserve meant to cover unexpected expenses such as illness, job loss, home repairs, etc.

Having this cushion gives you peace of mind and removes uncertainty about the future, since it provides the liquidity you need to handle the unexpected.

You might think you need to earn a lot to build an emergency fund. Below, we’ll show that even with limited resources, you can start securing a future without financial complications.

What is an emergency fund and why is it key to your financial peace of mind?

Surely at some point during your time in the U.S., you’ve faced financial emergencies that made it hard to cover daily expenses—traffic fines, immigration procedures, illnesses, unemployment, repairs, etc.

An emergency fund is meant to support your finances precisely when those events occur. It’s savings set aside to handle all kinds of unforeseen expenses.

Beyond a stash of money, think of the emergency fund as a way to maintain peace of mind and reduce stress; it helps you preserve financial stability and avoid going into debt.

How much should you save in your emergency fund?

Knowing how to size an emergency fund is the first dilemma for many who aren’t used to long-term saving. While the ideal target is 3–6 months of basic expenses, if your income is limited you can start with small savings goals.

Below is a comparison of how your emergency fund would grow assuming expenses equal to 50% of total monthly income.

Monthly income

Approx. monthly expenses

3-month savings target

6-month savings target

$1,500

$750

$2,250

$4,500

$2,500

$1,250

$3,750

$7,500

$3,500

$1,750

$5,250

$10,500

Where should you keep your emergency fund so it’s safe and accessible?

It’s very important to choose a safe, easy-access place for your emergency fund and keep it separate from the money you use for daily expenses.

Today there’s a wide variety of savings accounts, both from traditional financial institutions and online platforms.

Whatever you choose, the following options are not recommended for storing your emergency fund.

• Cash at home

Whether under the mattress or in a piggy bank, keeping your emergency fund in cash is not a good idea for several reasons. First, there’s the risk of theft or loss. Also, the cash earns no interest and loses value to inflation. Another drawback is low accessibility if you need to cover expenses digitally.

While it’s true that opening a checking account can be challenging for immigrants in the U.S., there are accessible options so you don’t have to keep the emergency fund in cash.

• In high-risk investments

Although investments have advantages, high-risk ones involve sharp fluctuations that could cause losses. They also often require locking funds for a long period.

Simple strategies to build your emergency fund

If you’re new to personal finance, the first thing to know is that an emergency fund isn’t just for high earners. The key is to examine your lifestyle and spend according to a savings plan.

Step 1. Calculate your basic monthly expenses

The first step is to list all your fixed monthly expenses and the amount for each.

Example:

• Rent: $1,300

• Transportation (public or private): $100

• Tuition: $200

• Subscriptions: $50

Then list your variable expenses and calculate a budget. To be more accurate, track all your spending by category.

Example:

• Food: $300

• Leisure: $200

Finally, total your monthly spending. In the example above, monthly expenses add up to $2,100.

Step 2. Set your first goal

At first, reaching 3–6 months of expenses can sound impossible. You don’t have to give up what you enjoy—start with a small amount each month and increase gradually.

Your first savings target depends on your income, your expenses, and the resulting capacity to save.

Step 3. Adjust your budget and allocate a fixed percentage to savings

After doing the math, add “savings” as a fixed expense so you set that money aside every month.

Step 4. Automate with scheduled transfers

Ideally, open a new account so your emergency fund doesn’t mix with daily-use money.

An easy way to fund it is with automatic transfers so you don’t have to remember to move money each time.

Step 5. Review and raise your goal until you reach 3–6 months of expenses.

After a few months of hitting a small goal, reassess your budget and consider increasing your savings as you’re able.

Organize and protect your money with Común

As you can see, an emergency fund provides financial security for unexpected events. It’s also easy to start with small goals and increase gradually until you reach financial peace of mind.

The next step is choosing a safe place to keep your emergency fund secure.

Meet Común, the financial platform dedicated to making life easier for immigrants in the United States!

• Open your checking account at Común with a qualifying official ID from your country of origin.

• Send money to your family with clear, competitive fees.

Común is a financial platform designed to support your first steps toward financial stability in the U.S.

Open your account with Común today and start your emergency fund with a financial ally that truly understands you.

Frequently Asked Questions (FAQ)

If you still have questions, check this section.

Is it better to save for the emergency fund or pay debts first?

Having debts doesn’t prevent you from starting an emergency fund. Just include debt payments among your fixed monthly expenses and set your savings goal accordingly.

What happens if I use the fund and end up with no savings?

If you use your emergency fund for unexpected expenses, that’s fine—that’s its purpose. If you run it down, don’t worry; just start again based on your budget.

When should I use my emergency fund?

Your emergency fund is intended to cover unexpected events like medical bills, appliance breakdowns, layoffs, etc. When that happens, use it—and keep saving afterward.

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Obtaining permanent residence is the goal of millions of immigrants in the United States. The EB-2 visa is one of the most feasible paths to achieve it, since it not only grants the applicant the right to work legally, but to do so within their area of professional expertise.

This type of visa is intended to facilitate immigration for people with advanced university degrees or demonstrable exceptional ability.

If you have a professional career and several years of experience, you may qualify to obtain a Green Card through the EB-2 visa and gain strong job opportunities and stability in the U.S.

Below we explain the requirements to obtain the EB-2 visa, the differences between eligibility categories, and the step-by-step process to secure the pathway that could completely change your working life.

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

There are several categories of work visas that can lead to a Green Card. One of them is the EB-2.

There are two routes to obtain this visa:

• With an employer sponsor:

Requires a U.S. employer to file through a process called PERM Labor Certification, which demonstrates the need for a foreign worker due to an insufficient number of qualified U.S. workers.

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

Employer involvement is not required; it can be filed as a self-petition showing the work has significant impact or is in the national interest of the United States.

This visa is aimed at professionals with advanced degrees in various fields or with exceptional ability.

The main advantages of the EB-2 over other visas are:

• It puts you on a path to permanent residence.

• It does not rely on capped lotteries.

• It allows you to advance professionally with greater freedom and financial stability.

Differences among the main U.S. employment visas

Understanding immigration procedures and visa application processes can be confusing because of the different categories and specific requirements for each.

Below is a comparison table of the EB-2, EB-3, and EB-5 visas.

EB-2 | EB-3 | EB-5

Approximate processing time with sponsor: at least 12–18 months. With NIW the time may be somewhat shorter. | About 1 to 3 years. | EB-5 processing times vary widely; consult USCIS directly.

Who can apply? Professionals with an advanced degree or exceptional ability. Applicants with skills of national interest. | Skilled workers Professionals with a bachelor’s degree Other workers | Foreign investors who make a minimum investment in a U.S. business and create at least 10 jobs.

Purpose of the visa Obtain permanent residence based on professional merit. NIW allows self-petition. | Obtain permanent residence for skilled workers or professionals. | Obtain permanent residence in exchange for a significant financial investment.

Approximate costs Form I-140: $715 Form I-485 (adjustment of status): $1,440 Consular processing: $325. | Same as EB-2 | $1.8 million standard investment. $900,000 reduced investment if the project is in a TEA area. Form I-526 / I-526E: $11,160 + $100 if investing via a Regional Center.

Main requirements With sponsor: employer files PERM and then Form I-140NIW: show work of national interest. | PERM approved by DOL Employer must file Form I-140Meet additional requirements for other workers. | Proof of lawful, traceable investment in at least the minimum amount. Evidence of creation or preservation of at least 10 jobs. Enter as a conditional resident. File Form I-829 to remove conditions.

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

It’s important to stress that applicants must meet specific requirements to obtain the EB-2 visa in any of its modalities.

These are requirements you cannot overlook:

Requirements via advanced academic degree

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

• An advanced degree is considered a master’s, doctorate, or post-doctoral degree.

• A person with a bachelor’s degree may apply, as long as they can show at least 5 years of experience.

Requirements via exceptional ability

Another alternative is to demonstrate exceptional ability in fields such as the arts, sciences, business, or others.

This means reaching a level of expertise significantly above ordinary. It must be shown with at least 3 types of documentary evidence:

• Recognitions: achievements, distinctions, and awards received.

• Work record: employer letters and proof of years of work experience.

• Memberships: belonging to associations that require meeting professional standards and merits.

National Interest Waiver (NIW)

Allows applying without a sponsor or labor certification.

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

• The endeavor has substantial merit.

• It has national importance for the United States.

• The applicant is well positioned to advance it.

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

How to apply for the EB-2 visa

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

Determine eligibility

First, determine which subcategory fits your profile—advanced degree, exceptional ability, or NIW. Assess your background and each category’s characteristics to decide where to apply.

File the initial petition

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

Adjustment of status or consular processing

For adjustment of status, file Form I-485 if the applicant is in the U.S. Otherwise, proceed via consular processing with the DS-260.

Interview and final decision

USCIS or the consulate will likely require an interview to verify your information and ask questions related to your profile. Once approved, the applicant ultimately obtains lawful permanent residence.

Once in the United States, open your account with Común

In this article, we reviewed what the EB-2 visa is, the requirements to apply, the sponsorship or NIW options, and the key steps in the process.

Although it may seem confusing or endless, it is also a step toward living and working legally in the U.S. and obtaining a residence card.

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

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

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

Frequently Asked Questions (FAQ)

If you still have questions, see this section:

Can I include my family in the application?

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

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

• I-140 (Immigrant Petition): $715.

• I-485: $1,440.

• USCIS Immigrant Fee (for Green Card issuance): $235.

What if my visa is denied?

You can file an appeal or start a new application.

Obtaining a Green Card or permanent residence is one of the most important steps a migrant can take in the United States, as it allows them to reside and work legally and access the same benefits as a U.S. citizen.

If you already have your permanent resident card in hand, congratulations! The next step is to stay alert to renewal, since it is crucial for maintaining your legal status and keeping the benefits it provides.

If you have had your green card for several years, it is even more important to be clear on the requirements, costs, and procedures needed to renew it and thus avoid any setbacks that could cause problems related to your immigration status.

In this article we provide an overview of the process, including key aspects such as how much it costs to renew permanent residence, the requirements, Green Card validity, and everything you need to know to comply on time and in proper form with U.S. immigration authorities.

What is the eligibility criterion?

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

• Permanent residence: this is Lawful Permanent Resident (LPR) status. Although the residence is permanent, the physical card does have a validity period, so it must be renewed at least 6 months before the expiration date. Although some residence permits do not show their validity explicitly, most are valid for 10 years.

• Conditional residence: this is a step prior to obtaining permanent residence, such as a period following a marriage between a foreign national and a U.S. citizen or lawful permanent resident. It is valid for 2 years and cannot be renewed.

These are the eligibility criteria for both types of residence.

Eligibility criterion for permanent residence

To obtain permanent resident status, your profile must fit one of the eligibility categories and meet the requirements set by USCIS (U.S. Citizenship and Immigration Services).

Family

It is divided into two subcategories:

• Immediate relatives of U.S. citizens: spouses and unmarried children under 21.

• Family preference category: unmarried children over 21 of citizens; spouses and children of permanent residents; married children of citizens; and siblings of citizens.

Employment

There are five employment-based residence categories:

• EB-1 visa: workers with extraordinary ability.

• EB-2 visa: accomplished professionals with an advanced degree and exceptional ability.

• EB-3 visa: skilled workers, professionals, and “other workers.”

• EB-4 visa: religious workers, U.S. government employees, members of the Armed Forces, among others.

• EB-5 visa: investors who allocate substantial funds to businesses that generate at least 10 jobs in the country.

Refugees and asylees

People who entered the United States through an asylum petition, and their family members, may apply for permanent residence after completing at least 1 year in the country.

Special immigrants

This category includes people who have been victims of abuse by U.S. citizens (VAWA visa) and minors who have been harmed and/or abandoned by their parents (SIJ visa).

Special categories

This category includes the Diversity Visa or Green Card Lottery, an annual drawing with up to 50,000 consular interview slots, as well as special provisions for Cuban citizens and other nationalities.

Eligibility criterion for conditional permanent residents

Conditional residence, in most cases, is valid for 2 years. Then it is necessary to file the petition to remove conditions within the 90 days prior to expiration.

• Conditional residence based on a marriage of less than 2 years at the time status is obtained.

• Conditional residence through investment under the EB-5 category.

What are the requirements to renew permanent residence?

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

File online

The easiest way is through the USCIS website, since you can do it anywhere and at any time of day. You only need to create an account, upload your documents, and track your status.

Paper filing

Another alternative is to mail Form I-90 to the USCIS office. It is advisable if you prefer handling physical documents, although processing time is usually longer.

In-person filing

You can also apply in person, though it is limited to exceptional cases such as humanitarian emergencies or technical issues. It is suitable if you urgently need USCIS guidance; otherwise, the recommended route is through the website.

Documents needed to renew a Green Card

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

• Form I-90 to apply for renewal of the Permanent Resident Card.

• Payment of the applicable fee, biometrics (if required), a copy of the expired card, or a theft/loss report.

How much does it cost to renew residence?

Most residents must pay a filing fee when applying to renew the card.

The current cost to file Form I-90 for Green Card renewal is:

• $415 USD if you file online.

• $465 USD if you file on paper.

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

What are the consequences of not renewing residence on time?

It is very important to complete the process in time to obtain a new permanent resident card. Although expiration of your card does not mean you will automatically lose permanent residence, you could face a number of issues with U.S. authorities, for example:

Difficulties renewing your driver’s license

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

Losing access to certain benefits and services

Various public services and state and local programs may request a valid Green Card as proof of eligibility. Otherwise, they may request additional documents and delay processing.

It is also common for financial institutions to request valid proof of status when processing applications to open a bank account or obtain a credit card.

In such cases, you can present your Form I-90 receipt number or other identity documents, such as a valid passport and Social Security number.

Difficulties reentering the United States

If your Green Card expires while you are outside the U.S., you may have problems with the authorities upon reentry, because U.S. immigration laws require proof of status.

In this case, you will need to request a reentry permit via Form I-131 or an ADIT stamp in your passport.

If you plan to be outside the United States for an extended period, consider applying for a reentry permit even if your expiration date is not near. This will help you avoid problems or delays when reentering.

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

To work legally in the United States, employers must present proof of eligibility along with Form I-9. When a Green Card expires, it is no longer considered valid proof.

In this case, you may present the Form I-90 receipt as temporary proof. If the employer does not accept it, you can contact USCIS directly or seek advice from an immigration attorney.

To avoid greater complications at work and in other aspects of your life, it is best to keep your Green Card expiration date top of mind and start the renewal process at least 6 months in advance.

Simplify your financial management with Común

As you can see, renewing the Permanent Resident Card is fundamental to maintaining legal status and the rights it provides. Therefore, it is essential to understand the requirements, costs, and procedures clearly so you can approach the process with greater confidence and efficiency.

Always remember to stay informed about available options, such as fee waivers, and to follow the established steps to ensure successful renewal of your Green Card.

Making the payments for your immigration process can be challenging if you don’t have the right financial tools. That’s what Común is for!

Común is a financial platform that addresses day-to-day needs in the United States through an easy-to-use mobile app, where you can open an account with qualifying official identification from your country of origin.

It also offers remittance services to several countries, with competitive fees that help you save. Discover Común, an excellent option dedicated to serving immigrant communities in the United States, with support available in Spanish.

Haven’t tried Común yet? Open your account today and discover a reliable option to manage your money in the U.S. safely and efficiently.

Frequently Asked Questions

If you still have questions, consult our FAQs.

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

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

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

Renewal times vary widely depending on the service center, application volume, and whether there are errors to resolve. A routine renewal takes around 2 months; in cases of theft or loss, it can exceed 20 months. However, note that for most permanent residents the process tends to take between 7 and 11 months.

Popular apps to send money from the United States

The short answer is that it depends on what you're looking for. Whether you're splitting rent with a roommate, paying a friend back for dinner, or sending money home to your family in Mexico or Guatemala, there's an app for it. The key is selecting which one to use and when.

Sending Money from your phone

Today, millions of people living in the United States send money in minutes from their phones. This can be done to another person's bank account for someone sitting across the table from you at lunch or to a family member in a different country.

However, it is important to consider that not all apps work the same way, and choosing the right one for you could save you time or money. Some service providers offer fixed fees, while others offering international transfers include the cost in the exchange rate. This directly impacts how many pesos, quetzales, or lempiras your loved ones receive after the conversion.

How to compare money transfer apps?

It is recommended to look at three key factors that could impact the real cost of any transfer:

The transfer fee

The flat fee or percentage charge that is presented before the transaction is made. Some apps charge both a transfer fee and an exchange rate markup, while others charge only one. For domestic transfers within the United States, the fee is often the main cost to evaluate.

Speed

Faster delivery options could have a higher cost. Many apps offer a standard option that takes a few days at a lower cost, and an express option for more urgent transfers. For domestic transfers in the US, instant or same-day delivery is more common, though it may still carry an extra charge depending on the provider.

The exchange rate spread

For international transfers, this is the gap between the mid-market rate and the rate the app offers you. It is one of the most important cost drivers when sending money abroad. For domestic transfers in the US, there is no currency conversion, so this factor does not apply.

An overview of popular money transfer apps from the U.S.

Reviewing six popular remittance apps in the U.S.

Sending money within the United States is not the same as sending money abroad. The costs and logistics work differently, especially when currency exchange comes into play.

1. Común

Común is a digital financial platform that offers services in Spanish and supports both domestic transfers and remittances to countries across Latin America. Users can receive direct deposits into a Común account and send money from the same balance. Transfers are typically completed within minutes, with an average delivery time of around eight minutes depending on the destination and method. Común also operates with cumulative transfer limits over time: $2,999/day · $4,999/7 days · $9,999/30 days · $19,999/90 days. To learn more visit comun.app/remittances.

2. Remitly

Remitly offers multiple delivery options, including bank deposits, cash pickup, and mobile wallets. The app tends to offer promotional exchange rates available for the first transfers; however ongoing transfers tend to include a different spread. It is important to review each service provider's exchange rate spread. Speed is flexible: Express transfers are faster but could come with a higher cost embedded in the rate.

3. Wise

Wise shows the mid-market rate and charges with a clearly defined fee. This model makes it easier to understand what you are paying. It is an app that users have reported to be useful when managing multiple currencies or sending money to different regions across the world.

4. Xoom

Xoom is part of PayPal, which can be convenient if you already use PayPal regularly. Transfers are generally quick to initiate and familiar for those who already know the platform. In some cases, exchange rates may include a wider spread compared to more specialized remittance providers, so it can be useful to check the rate offered on the day of the transfer.

5. Western Union

Its biggest advantage is cash pickup. Recipients can collect money in thousands of locations, which can be useful for those receiving the money who don't have bank accounts. The costs vary widely depending on how you send and receive money.

6. Felix Pago

Felix Pago operates through WhatsApp, which could simplify the transfer process for some users. It is primarily focused on transfers to Mexico, and pricing can be competitive in certain cases, though exchange rate spreads may vary depending on the transfer method and timing.

Which app works best for each country?

The reality is that it depends on specific needs, whether it is lower costs, delivery options or speed. Mexico is one of the largest recipients of remittances globally — most major apps support transfers from the United States to Mexico. Guatemala and Honduras are supported by several providers, including Común, Remitly, Western Union, and Xoom. Colombia and El Salvador are also served by a mix of providers.

What's the best exchange rate available right now?

It changes. Exchange rates fluctuate with currency markets, and provider margins shift with them as well. The recommended approach is to model your specific transfer before sending. Some app service providers offer tools to enter the amount and calculate the amount your recipient would actually receive.

What can I look out for when sending money?

Typos in recipient information:

These are the most common and costly errors. A wrong digit in a phone number or account number can delay a transfer for days or send money to the wrong person entirely.

Sending on a Friday afternoon or holiday weekend:

This often means that the money won't arrive until Monday or Tuesday, even for services that advertise same-day delivery.

Choosing the wrong delivery method:

A bank deposit doesn't help someone who doesn't have a bank account. A cash pickup location that's far from your recipient's town isn't convenient, no matter how fast the transfer is.

Not comparing rates for larger transfers:

The exchange rate spreads and fees directly affect the final amount the person receives.

FAQ

Which app charges the least?

It depends on the destination, amount, speed, and delivery method.

Which app is the fastest?

Speed can vary between domestic transfers within the United States and international remittances. Some providers offer faster delivery options that may come with an additional cost.

Can I send money without a bank account?

Some financial service providers like Común allow you to open an account with your home country's official ID which may be used to manage your finances and send money. Western Union also accepts cash payments at agent locations.

Are these apps safe?

Many money transfer apps operating in the United States are registered with financial authorities and are required to follow regulations related to consumer protection and anti-money laundering. Issues are often linked to user input rather than the platform itself.

The right app depends on what you need

The right app depends on what you need, and that can change over time. There is no single option that fits every situation. What tends to make the biggest difference over time is paying attention to the full picture, including fees, timing, and the final amount your recipient receives.

If you send money regularly to Latin America, it may be worth exploring options that combine everyday banking with remittances in one place. Visit comun.app to learn more.

Remittance service provided by Service UniTeller, Inc. Service UniTeller, Inc. is licensed in all states that require a license. Remittance fees start at $2.99 but may vary. Please check the app for more details. Comun Inc. may earn revenue from the conversion of foreign currencies.

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