Living in the United States
What is the difference between direct deposit and wire transfer? Learn when to use each, their costs, speeds, and how to set up direct deposit with your Común account.
8 min read

17 Jul 2026

These payment methods are both available in the U.S. but they are often used for different purposes. Direct deposit is commonly used for paychecks, tax refunds, and government benefits, while wire transfers are more often used for urgent or high-value transfers between financial institutions.
Understanding the difference between direct deposit and wire transfers can help you avoid unnecessary fees, choose the right payment method for your situation, and manage your money more confidently.
The biggest difference is the purpose they serve. Direct deposit is commonly used for recurring payments such as salaries, benefits, and tax refunds. Wire transfers are commonly used to move money quickly between financial institutions, particularly for large or time-sensitive transactions.
| Feature | Direct deposit | Wire transfer |
|---|---|---|
| Common use | Paychecks, benefits, tax refunds | Large or urgent transfers |
| Network used | ACH network | Wire transfer network |
| Speed | Typically 1–3 business days | Often same day or next business day |
| Typical cost | Often no fee to receive | Fees may apply |
| International transfers | Limited | Commonly used |
| Recurring payments | Yes | Less common |
| Setup required | Routing + account number | Bank details + recipient information |
Direct deposit is one of the most common payment methods in the United States, particularly for employees receiving wages from an employer. Instead of issuing a paper check, an employer sends the payment electronically to the employee's bank account through the ACH network.
To set up direct deposit you need to provide your employer: your bank's routing number and your personal account number.
A wire transfer is an electronic transfer of funds between financial institutions through secure financial networks like Fedwire or SWIFT. Unlike direct deposit, wire transfers are better suited for large one-time payments, urgent payments, real estate transactions, or international transfers.
Use direct deposit for:
Use wire transfer for:
With your Común account, you can set up direct deposit by providing your Común routing number and account number to your employer. Your Común account has unique routing and account numbers available in the app. Visit comun.app to learn more.
Not necessarily. Domestic wire transfers can be faster (same day), while direct deposits usually take 1-3 business days. However, many accounts offer early access to direct deposits up to 2 days early.
Setting up direct deposit is generally no fee. Employers use the ACH network to send payroll electronically at no charge to the employee.
Común is a financial technology company and not a bank. Banking services are provided by Community Federal Savings Bank, Member FDIC.
About Común
Común aims to support the Latino community in the United States. It offers a debit account that can be opened with more than 100 valid Latin American IDs and an app available in Spanish.
Visit Común's website or download the app for free to learn more about the full offer and applicable terms.

Olivia Rhye
Community Partner

Financial Education
8 min de lectura
If you are authorized to work in the United States, you need a Social Security Number (SSN). If you are not eligible for an SSN but still need to file taxes or access certain financial services, you may need an Individual Taxpayer Identification Number (ITIN).
If you recently moved to the United States, you have probably heard the terms 'ITIN' and 'SSN' many times already. They often come up when opening a bank account, filing taxes, applying for work, or trying to build credit.
Understanding the ITIN vs SSN difference matters because each number serves a different purpose in the US financial and tax system.
A Social Security Number (SSN) is a nine-digit identification number issued by the Social Security Administration. It is primarily used to track earnings, taxes, and eligibility for certain federal benefits.
SSNs are generally issued to:
An SSN is required for legal employment, payroll reporting, and access to some government programs.
An Individual Taxpayer Identification Number (ITIN) is a tax processing number issued by the Internal Revenue Service, known as the IRS. ITINs are designed for people who are not eligible for an SSN but still have US tax filing obligations or need access to certain financial services.
An ITIN can be used by:
It is important to note that an ITIN does not authorize someone to work in the United States.
| Characteristic | ITIN | SSN |
|---|---|---|
| Issued by | IRS (Internal Revenue Service) | SSA (Social Security Administration) |
| Who is it for? | Individuals not eligible for an SSN with US tax obligations | US citizens, permanent residents, and authorized workers |
| Authorizes work | No | Yes |
| Used for paying taxes | Yes | Yes |
| Federal benefits access | No | Yes |
| Open an account (debit/checking) | Some banks and financial institutions accept ITINs (including Común) | Yes |
| Build credit | Possible at institutions that report ITIN activity to credit bureaus | Yes |
| How to apply | IRS Form W-7 with required documentation | SSA Form SS-5 with eligibility documents |
You need an SSN if:
You may need an ITIN if:
Many recent immigrants apply first for an ITIN while they are still navigating the US financial system or while they're waiting for changes in their work authorization status.
Yes, in some situations a person may have both at different stages of their life. For example, someone may initially receive an ITIN because they are not eligible for an SSN at the time. Later, if they become eligible for work authorization or permanent residency, they may receive an SSN. When this happens, the SSN becomes the primary identification number used for taxes and financial reporting.
An SSN can be used to:
An ITIN can be used to:
An ITIN itself does not authorize employment in the United States. It is primarily a tax identification number used for IRS reporting purposes.
An ITIN may help some people begin building credit history in the United States. Certain banks, lenders, and financial platforms report account activity linked to ITINs to credit bureaus. Policies vary by institution.
Applying for an ITIN generally involves submitting:
The IRS may request original documents or certified copies depending on the situation. Processing times may vary.
If you need or want help with the application process, Común offers ITIN application support for $199 with a money-back guarantee if the application is not approved. Visit comun.app/itin to learn more.
Requirements to apply for an ITIN with Común:
The process:
The application process does not consider your immigration status, and your status will not be reported to any government immigration authority.
A debit account can be a great first step to building your financial future in the United States. Común allows customers to open a debit account using ITIN, passport, country-of-origin ID, or more than 100 accepted Latin American valid IDs. You can open your Común account from your phone. The app is available in Spanish. Visit comun.app to learn more.
An SSN is issued by the Social Security Administration primarily for employment, taxes, and federal benefits eligibility. An ITIN is issued by the IRS for people who are not eligible for an SSN but still need to file taxes or access certain financial services.
In some situations, yes. A person may first receive an ITIN and later become eligible for an SSN. Once an SSN is assigned, it generally becomes the primary number used for taxes and financial reporting purposes.
An ITIN alone does not authorize employment in the United States. It is primarily used for tax identification and reporting purposes through the IRS.
Not always. Some financial institutions, including Común, allow customers to open debit accounts using an ITIN, passport, or other forms of identification.
Applying for an ITIN generally requires completed IRS Form W-7, identity documentation, and a filed federal tax return. The IRS may also request certified supporting documents.
Processing times can vary depending on the time of year and the completeness of the application. In many cases, ITIN applications may take several weeks to process after submission to the IRS.

Financial Education
8 min de lectura
Having access to affordable financial services with features that let you carry out multiple operations in one place is essential for immigrants living and working in the United States.
Digital banks are a comprehensive solution that combines financial management with mobile technology to streamline processes compared with traditional banks.
These features are especially beneficial for immigrants looking for an alternative to access services that are often less feasible through institutions with physical branches.
In this guide, we explain why you should consider integrating digital banking into your lifestyle, how to open an account, and options for digital banks in the United States.
A digital account is a financial product that operates entirely online through mobile applications and digital platforms (website), removing the need to travel to a physical location to complete banking operations.
Here are some benefits of digital accounts.
Opening a digital account is usually simpler than with traditional financial institutions—not only because it can be done from a mobile device, but also due to flexible requirements that allow immigrant communities to access financial services with the same quality standards.
These are the steps to open a digital account in the United States.
Required Documents
Unlike traditional banking services, you can open a digital account with documents you use day to day.
Once you have your documents ready, follow these steps.
Go to the digital bank’s website or mobile application of your choice and enter your personal information to register.
For security reasons, digital banks require an identity verification process that includes submitting an official ID, a selfie, and, in some cases, facial recognition.
Once the digital bank verifies your identity, you’ll receive an activation notice. Immediately afterward, you can access all services, set up direct deposits, send money in real time, and manage your finances.
If you’re wondering which digital platform for immigrants is ideal, there are several effective options, so it’s best to compare them and choose the one that best fits your expectations.
Fees: Affordable fees for international money transfers to Latin America.
Ease of use: Open an account from a mobile device with a qualifying official identification from your home country.
Spanish support available: offers 24/7 customer service also available in Spanish via WhatsApp or the mobile app itself.
Mobile access: you have access to a mobile app for comprehensive financial management.
Zelle compatibility: not integrated.
Fees: most accounts do not charge monthly maintenance fees. Approximately $20 for domestic wire transfers.
Ease of use: a 100% digital platform offering a mobile application and a website.
Spanish support: limited Spanish-language service.
Mobile access: service compatible with mobile devices.
Zelle compatibility: integrated.
Fees: maintenance and overdraft fees vary by account type.
Ease of use: offers mobile banking, online banking, and a digital assistant.
Spanish support: available.
Mobile access: full mobile features.
Zelle compatibility: integrated.
Fees: charges a 1–3% fee for adding money via credit or debit card.
Ease of use: offers comprehensive, easy-to-use digital products.
Spanish support: you can change the app language, but there is no Spanish-language support.
Mobile access: fully available.
Zelle compatibility: not integrated.
Fees: offers international USD transfers at no additional cost.
Ease of use: focused on corporate and tech companies.
Spanish support: not available.
Mobile access: fully available, but more focused on web dashboards.
Zelle compatibility: not integrated.
Cash App is another efficient financial platform—here we explain its benefits.
Although digital platforms offer security measures to protect your assets, it’s always wise to keep the following recommendations in mind to reduce risks.
In this article, we presented a practical alternative to traditional institutions so you can decide which digital bank in the United States fits your needs.
Común is not a bank, but a digital platform, it offers a mobile app and a debit card that work together to provide a service ideally for the immigrant community.
You can open an account with qualifying official identification from your home country and a mobile device to access the financial service you deserve.
Open your account with Común and start sending, receiving, and withdrawing money.
If you still have questions, see the section below.
Unlike traditional banks, digital accounts often have more flexible requirements, and it may be possible to open one with a qualifying official identification from your home country and, in some cases, proof of address in the United States.
Yes, digital banks in the United States have security measures such as two-step verification and encryption. It’s advisable to apply all possible security measures, such as using a strong password and enabling notifications.

International Money Transfers
8 min de lectura
For millions of Latin Americans living in the United States, sending money back home is part of everyday life. For many, their families and friends back home often depend on fast and reliable remittances from the United States. Today, there are many service providers for sending money to Latin America available in the market, each offering different advantages and disadvantages and choosing the right one is key to make the most out of your hard-earned money. A useful approach is to understand how remittance pricing works, what factors affect the total cost, and how to compare the services based on your specific needs.
The real cost of a remittance is determined by different elements:
In practice, the exchange rate often has the biggest impact on how much money the recipient actually receives. For example, two providers may advertise similar fees while delivering noticeably different final amounts because of the FX spread built into the exchange rate.
The FX spread is the difference between:
This difference is where some remittance service providers generate revenue. The same reason why two services with the same "$0 fee" can have very different final costs.
Different services work better for different types of users. Here you can find a general overview of the providers most commonly used by the Latino communities in the United States.
Western Union is one of the largest remittance companies in the world, with an extensive cash pickup network across thousands of locations in Latin America.
Strengths:
Limitations:
Ria Money Transfer offers payments from the US to more than 165 countries across the world, with delivery options including cash collection and delivery to either a mobile money wallet or bank account.
Strengths:
Limitations:
MoneyGram is a service provider of international remittances that enables individuals to send and receive money internationally and domestically.
Strengths:
Limitations:
Félix Pago is a WhatsApp-based platform focused on servicing the Latino community in the U.S. to send money throughout Latin America.
Strengths:
Limitations:
Común offers the possibility to open a debit account in the USA and send money home from Común's app or WhatsApp.
Strengths:
Limitations:
Today, the remittance service provider market in the U.S. can be divided into two major categories:
Companies that offer physical networks and cash pickup infrastructure. For example: Western Union, Ria Money Transfer or MoneyGram.
These platforms focus on mobile experience, transparent pricing, digital account management, accessibility for immigrants in the U.S. and some offer Spanish-first experiences. Examples: Común and Félix Pago.
Exchange rates change every day and promotional offers can also change. This is why it's important to compare what's the best service provider for your current situation. If possible, it is recommended to use a tool to have a better perspective on your remittance costs. For example Común has a live calculator at comun.app/compara designed to help you understand the exact conditions of your transfer.
For many immigrants in the United States, choosing the best remittance services is not just based on who offers the best exchange rate. The accessibility to the services can shape the entire experience of sending money. Some people may not have a Social Security Number, a traditional U.S. bank account, or an easy way to verify their identity through conventional financial systems. Language can also play an important role for navigating financial apps especially with customer support and understanding the specific transfer policies. Being able to do financial transactions in a native language can make transactions feel less stressful.
The competitive market landscape in the U.S. makes it possible for Latin American immigrants to compare options for their remittances. Today, you can look beyond the exchange rate and consider factors like Spanish-language support, flexible identification requirements, mobile accessibility and transparency around fees and/or transfer conditions. The best remittance service provider is the one that offers pricing, services and access that fit your needs. Común's app is available in Spanish, accepts more than 100 Latin American IDs and offers transparent fees.
There is no universal "best" remittance provider. The right option depends on how often you send money, where you are sending it, how your recipient receives the funds, and what kind of financial access you have in the United States. Choosing based on your own priorities is often the best path.
Many remittance services offer promotional pricing or preferred exchange rates for first-time users. These promotions can temporarily improve the amount received by your family, but they do not always reflect the long-term cost of using the platform.
For example, some digital services may offer stronger FX rates on the first transfer, while traditional providers occasionally waive transfer fees for new customers. However, the total value still depends on the exchange rate, transfer speed, and delivery method.
Before sending your first remittance, it is important to consider:
To compare exchange rates you can always use a tool, for example, comun.app/compara is designed to help people understand the cost of their transfer.
Access to financial services can vary significantly for immigrants in the United States, especially for people who do not have a Social Security Number. This can make onboarding slower or more complicated for recent immigrants, ITIN holders, or people primarily using foreign identification documents.
Some remittance service providers have adopted more flexible verification models. Común, for example, accepts more than 100 Latin American IDs. It is recommended to check with every institution their specific verification requirements.
People who send remittances every month can benefit more from consistency than from temporary promotions. For frequent senders, it can be useful to review:
Cash pick-up continues to play a major role across many parts of Latin America, especially in smaller cities or rural communities where bank access may be limited.
Traditional remittance companies like Western Union, Ria Money Transfer, and MoneyGram offer large physical networks that allow recipients to collect money in person at supermarkets, convenience stores, banks, and local partner locations.
Before choosing a provider, it is helpful to verify:
In some cases, the best service is simply the one your recipient can access easily. Común offers cash pick ups with options in some stores and banks.
Over the past years, mobile-first experiences have become popular given the convenience of being able to send remittances from one's mobile phone.
Digital-first services can offer:
Platforms like Común and Félix Pago are examples of services designed around mobile experiences for Latino immigrants. For people who feel more comfortable managing their transfers from their phones, these platforms can feel faster and more convenient.
There is no single service that is always the cheapest. Costs depend on exchange rates, transfer fees, destination country, payment method, and whether you qualify for a first-transfer promotion. The best way to verify your exact case is to compare providers.
The FX spread is the difference between the real market exchange rate and the exchange rate offered by the remittance provider. A weaker exchange rate can reduce the amount your recipient receives.
The best way is to compare the total recipient amount, exchange rate, fees, and promotional conditions before sending money. Some service providers offer tools that calculate the costs before sending the remittance. Común's live comparison calculator is designed to help users verify this information in real time.
No. Some remittance providers specialize in bank deposits or digital wallet transfers, while others maintain extensive cash pickup networks across Latin America. Before sending money, it is important to confirm how your recipient prefers to receive funds and whether pickup locations are accessible in their area.
Each provider sets its own exchange rates based on market conditions, operating costs, transfer corridors, and promotional strategies. Because rates can change daily, comparing providers before each transfer can help users better understand the total cost of sending money.
The remittance industry has changed significantly over the past decade, today sending money to Latin America is no longer limited to one type of service or provider. Immigrants in the United States can choose between traditional cash pickup networks, digital-first platforms, and hybrid financial services depending on what works best for their families.
For many people, the real value comes from the full experience from the convenience of usage, accessibility to the services and knowing exactly how much money will arrive can matter just as much as costs. Común offers transparent pricing, an app available in Spanish and a comparison tool that helps users review transfer costs before sending money.

International Money Transfers
8 min de lectura
Zelle does not send money directly to Mexico. Zelle only works between eligible U.S. bank accounts and credit unions within the United States.
If you are looking into different methods for sending money to your family in Mexico, you may be searching for 'which banks offer Zelle in Mexico' or trying to understand if Zelle works internationally. This is a common misunderstanding for immigrant families in the U.S. No Mexican bank officially offers Zelle for receiving transfers from the U.S., and Zelle itself is not designed for international money transfers or currency conversion.
Zelle is a digital payment service that facilitates peer-to-peer transfers at select partner banks in the United States. It is known for its speed, with transfers appearing in minutes, and for its extensive coverage across the U.S. Some U.S. financial institutions that support Zelle include Bank of America, Chase, Wells Fargo, Citi, PNC, and many more.
Cross-border money transfers require financial institutions, payment networks, regulatory approvals, identity verification procedures, and international settlement systems. Zelle was built around domestic payment systems in the U.S. Because of this, the service does not support direct transfers from U.S. bank accounts to recipients in Mexico.
| Service | Typical starting fees | Delivery speed | Exchange rate model | Cash pickup |
|---|---|---|---|---|
| Remitly | Varies; ~$1.99+ for bank deposit to Mexico | Express: minutes to same day; Economy: 3–5 days | Exchange rate markup applies | Yes |
| Wise | From ~0.48% of transfer; shown upfront | Usually same day to 2 days | Mid-market rate, no markup | Limited (select corridors) |
| Xoom | Depends on payment method and destination | Minutes to 1 day | Exchange rate markup applies | Yes |
| Western Union | Varies widely by method and destination | Minutes to several days | Exchange rate markup applies | Yes (extensive agent network) |
| Común | Starts at $2.99 via UniTeller; may vary | Varies by destination and method | Rates displayed before transfer | Yes (depending on delivery option) |
Fees, exchange rates, and delivery times vary based on transfer amount, destination, funding method, and payout option. In 2026, a 1% federal excise tax applies to cash-funded transfers. Bank, debit, and credit card transfers are exempt.
Starting in 2026, a 1% federal tax applies to certain remittance transfers. The tax applies when you pay with cash, money order, or cashier's check. Transfers funded from a U.S. bank account or with a U.S.-issued debit or credit card are exempt by law.
No. Zelle does not support international transfers. There is no Mexican bank that offers Zelle for receiving money from the U.S.
It depends on your specific situation. Común offers transfers starting at $2.99 with transparent pricing. Visit comun.app/remittances to learn more.
Remittance service provided by Service UniTeller, Inc. Remittance fees start at $2.99 but may vary. Común Inc. may earn revenue from the conversion of foreign currencies.

Financial Education
8 min de lectura
Having access to affordable financial services with features that let you carry out multiple operations in one place is essential for immigrants living and working in the United States.
Digital banks are a comprehensive solution that combines financial management with mobile technology to streamline processes compared with traditional banks.
These features are especially beneficial for immigrants looking for an alternative to access services that are often less feasible through institutions with physical branches.
In this guide, we explain why you should consider integrating digital banking into your lifestyle, how to open an account, and options for digital banks in the United States.
A digital account is a financial product that operates entirely online through mobile applications and digital platforms (website), removing the need to travel to a physical location to complete banking operations.
Here are some benefits of digital accounts.
Opening a digital account is usually simpler than with traditional financial institutions—not only because it can be done from a mobile device, but also due to flexible requirements that allow immigrant communities to access financial services with the same quality standards.
These are the steps to open a digital account in the United States.
Required Documents
Unlike traditional banking services, you can open a digital account with documents you use day to day.
Once you have your documents ready, follow these steps.
Go to the digital bank’s website or mobile application of your choice and enter your personal information to register.
For security reasons, digital banks require an identity verification process that includes submitting an official ID, a selfie, and, in some cases, facial recognition.
Once the digital bank verifies your identity, you’ll receive an activation notice. Immediately afterward, you can access all services, set up direct deposits, send money in real time, and manage your finances.
If you’re wondering which digital platform for immigrants is ideal, there are several effective options, so it’s best to compare them and choose the one that best fits your expectations.
Fees: Affordable fees for international money transfers to Latin America.
Ease of use: Open an account from a mobile device with a qualifying official identification from your home country.
Spanish support available: offers 24/7 customer service also available in Spanish via WhatsApp or the mobile app itself.
Mobile access: you have access to a mobile app for comprehensive financial management.
Zelle compatibility: not integrated.
Fees: most accounts do not charge monthly maintenance fees. Approximately $20 for domestic wire transfers.
Ease of use: a 100% digital platform offering a mobile application and a website.
Spanish support: limited Spanish-language service.
Mobile access: service compatible with mobile devices.
Zelle compatibility: integrated.
Fees: maintenance and overdraft fees vary by account type.
Ease of use: offers mobile banking, online banking, and a digital assistant.
Spanish support: available.
Mobile access: full mobile features.
Zelle compatibility: integrated.
Fees: charges a 1–3% fee for adding money via credit or debit card.
Ease of use: offers comprehensive, easy-to-use digital products.
Spanish support: you can change the app language, but there is no Spanish-language support.
Mobile access: fully available.
Zelle compatibility: not integrated.
Fees: offers international USD transfers at no additional cost.
Ease of use: focused on corporate and tech companies.
Spanish support: not available.
Mobile access: fully available, but more focused on web dashboards.
Zelle compatibility: not integrated.
Cash App is another efficient financial platform—here we explain its benefits.
Although digital platforms offer security measures to protect your assets, it’s always wise to keep the following recommendations in mind to reduce risks.
In this article, we presented a practical alternative to traditional institutions so you can decide which digital bank in the United States fits your needs.
Común is not a bank, but a digital platform, it offers a mobile app and a debit card that work together to provide a service ideally for the immigrant community.
You can open an account with qualifying official identification from your home country and a mobile device to access the financial service you deserve.
Open your account with Común and start sending, receiving, and withdrawing money.
If you still have questions, see the section below.
Unlike traditional banks, digital accounts often have more flexible requirements, and it may be possible to open one with a qualifying official identification from your home country and, in some cases, proof of address in the United States.
Yes, digital banks in the United States have security measures such as two-step verification and encryption. It’s advisable to apply all possible security measures, such as using a strong password and enabling notifications.

Checking account
8 min de lectura
Una cuenta de Común viene con una tarjeta de débito VISA, que te brinda la conveniencia y seguridad de utilizar uno de los métodos de pago más aceptados a nivel mundial. Ya sea que estés comprando en línea o en una tienda física, tu tarjeta de débito VISA de Común te respalda.
Tu dinero está seguro con Común. Los fondos en tu cuenta de Común están asegurados por la FDIC, lo que significa que tus depósitos están protegidos hasta $250,000 a través de Community Federal Savings Bank. Además, la garantía de VISA contra cargos no autorizados ofrece una capa adicional de seguridad, brindándote la tranquilidad de que tu dinero está protegido contra actividades fraudulentas.
Una de las características destacadas de una cuenta de Común es su estructura de tarifas: no hay tarifas absurdas. No se te cobrará una tarifa de apertura, una tarifa mensual, tarifas de saldo mínimo ni tarifas de membresía. Esto significa que más de tu dinero se queda contigo, donde pertenece, sin tarifas ocultas.
Común cuenta con la red de depósito de efectivo más grande de los Estados Unidos. Puedes depositar efectivo en más de 88,000 ubicaciones, incluidas grandes cadenas como Walmart, Walgreens, CVS, Dollar General y 7-Eleven. Esta extensa red garantiza que puedas depositar efectivo convenientemente, sin importar dónde te encuentres.
El servicio al cliente es una prioridad en Común. Tendrás acceso a un soporte de primer nivel disponible los siete días de la semana a través de chat, correo electrónico o teléfono. Ya sea que tengas preguntas o necesites ayuda, el equipo de servicio al cliente de Común está listo para ayudarte.
Enviar dinero al extranjero puede ser costoso, pero no con Común. La cuenta proporciona acceso a uno de los productos de remesas más baratos del mercado⁴, desde solo $2.99 por remesa, independientemente del país de destino o del método de recogida. Esto significa que puedes enviar dinero a tus seres queridos sin preocuparte por tarifas altas que reduzcan la cantidad que estás enviando.
Una de las características más inclusivas de una cuenta de Común es que puedes usar la documentación oficial de tu país para abrir una cuenta. Los solicitantes pueden aplicar con cualquier identificación oficial emitida por el gobierno, incluyendo una licencia de conducir, una credencial de elector y más².
Con Común, puedes acceder a tu cheque de pago hasta dos días antes sin tarifas³. Esta función puede ayudarte a gestionar tus finanzas de manera más efectiva, brindándote más flexibilidad y tranquilidad.
Mantente informado y seguro con las notificaciones instantáneas de Común para cada transacción. Las funciones de inicio de sesión seguro, incluidas Touch ID, garantizan que solo tú tengas acceso a tu cuenta, manteniendo seguros tus fondos y tu información personal.
Para apreciar verdaderamente los beneficios de una cuenta de Común, es útil entender cómo han evolucionado las plataformas bancarias a lo largo del tiempo.
La banca, tal como la conocemos, comenzó con sucursales físicas donde los clientes podían gestionar sus finanzas en persona. Estos bancos ofrecían servicios esenciales como depósitos, retiros, préstamos y asesoría financiera. Los clientes tenían que visitar el banco durante el horario de atención, lo que podía ser inconveniente para muchos.
Internet revolucionó muchas industrias, y la banca no fue la excepción. La banca en línea surgió a finales de los años 90, permitiendo a los clientes realizar tareas bancarias básicas desde sus computadoras. Esta innovación proporcionó mayor conveniencia y accesibilidad, reduciendo la necesidad de visitar sucursales físicas.
Con la proliferación de los teléfonos inteligentes a principios de los años 2000, la banca móvil se convirtió en el siguiente gran salto. Los bancos desarrollaron aplicaciones móviles que permitieron a los clientes gestionar sus cuentas, transferir dinero e incluso depositar cheques desde cualquier lugar y en cualquier momento. La banca móvil hizo que la gestión financiera fuera más accesible y conveniente que nunca.
La última evolución en la banca es el auge de los neobancos: plataformas solo digitales que ofrecen servicios bancarios sin sucursales físicas. Estos bancos aprovechan la tecnología para reducir los costos generales y proporcionar productos financieros innovadores y fáciles de usar. Común es un ejemplo destacado de esta nueva generación de bancos.
Elegir Común significa elegir una plataforma financiera que prioriza tu bienestar financiero y seguridad. Sin tarifas innecesarias, opciones extensas de depósito de efectivo, un servicio al cliente superior y políticas inclusivas, una cuenta de Común está diseñada para satisfacer tus necesidades y superar tus expectativas. Además, el apoyo de destacadas empresas de inversión como Animo Ventures, Costanoa Ventures y FJ Labs resalta la solidez y fiabilidad del respaldo financiero de Común.
Al optar por Común, no solo obtienes una cuenta; obtienes un socio que respalda tu viaje financiero en cada paso del camino, asegurando que tus necesidades únicas sean atendidas con el mayor cuidado y atención.

Financial Education
8 min de lectura
El depósito directo es una transferencia electrónica que deposita tu sueldo o beneficios directamente en tu cuenta bancaria sin necesidad de un cheque físico. En EE.UU. es el método de pago más común entre empleadores. Con Común puedes recibir tu depósito directo y acceder a tu dinero hasta 2 días antes de la fecha de pago.
El depósito directo es un método de transferencia electrónica de fondos que permite a una entidad (empleador, gobierno, etc.) depositar dinero directamente en la cuenta bancaria del beneficiario. A diferencia de los cheques en papel, este proceso elimina la necesidad de emitir, entregar y cobrar cheques físicos, lo que se traduce en ahorro de tiempo y recursos.
Con aplicaciones móviles como Común, puedes conectar tu depósito directo a tu cuenta bancaria en segundos. Común te deja conectar tu depósito directo desde el app de Común o si prefieres que lo haga tu empleador, Común te da un formulario lleno para que se lo entregues a tu empleador. Aparte de la facilidad, por conectar tu depósito directo con Común, el app de Común te adelanta tu pago hasta dos días antes.
El depósito directo es una solución financiera moderna que ofrece rapidez, seguridad y comodidad en la transferencia de fondos. Tanto en el ámbito laboral como en los pagos gubernamentales y transferencias personales, el depósito directo se ha convertido en una opción preferida para facilitar las transacciones y administrar el dinero. En última instancia, este método simplifica nuestras vidas financieras y nos permite enfocarnos en lo que realmente importa.

Financial Education
8 min de lectura
Money transfer scams continue to affect thousands of families across the United States, especially immigrant communities that regularly send money to loved ones abroad. In recent years, scammers have become more sophisticated, using fake banking apps, social media impersonation, AI-generated voices, and emotional manipulation to steal money and personal information.
According to recent data from the Federal Trade Commission (FTC), consumers reported losing $15.9 billion to fraud in 2025, with impersonation scams remaining the most commonly reported types of fraud.
For Latino immigrants in the U.S., these scams can feel especially stressful because they often involve urgent family situations, language barriers, or financial pressure.
Money transfer scams are fraudulent schemes designed to convince someone to send money or share sensitive financial information. These scams may happen through phone calls, text messages, WhatsApp, social media, fake banking apps, email phishing, or online marketplaces.
Bank impersonation scams:
Scammers pretend to be your bank, sending messages that look official asking if you authorized a transaction. They then call claiming to represent the bank and instruct you to transfer funds to 'reverse' fraud.
Government impersonation scams:
Someone claims to be from the IRS, Social Security, or immigration and threatens consequences if you don't pay immediately.
Marketplace scams:
Scammers on platforms like Facebook Marketplace request payment through transfers. After funds are sent, the item may never arrive.
Overpayment scams:
A scammer claims to have 'accidentally' sent money and asks for it back. Their original payment may later be reversed or prove fraudulent.
Romance/friendship scams:
Someone develops an online relationship and then asks for money for an 'emergency'.
AI-generated voice scams:
In 2026, scammers use AI to clone family members' voices and create false urgency by claiming to be in an emergency.
Común uses encryption and identity verification to protect transactions. If you receive a suspicious message claiming to be from Común, contact official support directly through the app or at ayuda@comun.app. Común will never ask for your password or verification code via text message.
Hang up and call the official number on the back of your card or the bank's official website. Legitimate banks will never ask you to transfer money to 'protect it'.
It depends on the transfer method and how quickly you report. P2P transfers and wire transfers are difficult to reverse. Report immediately to your financial institution.
Común is a financial technology company and not a bank. Banking services are provided by Community Federal Savings Bank, Member FDIC.

Financial Education
8 min de lectura
If you notice an unrecognized debit card charge, one of the first steps is to lock your card, verify whether the transaction was actually unauthorized, and contact your financial service provider immediately. If you are a Común debit card holder, you can report suspicious activity directly through the app, email, or WhatsApp support.
Seeing an unrecognized charge on your debit card can be stressful, especially if you rely on your account for rent, groceries, transportation, or sending money to family. Unauthorized transactions can happen for many reasons, and debit card users in the United States have certain protections under the Electronic Fund Transfer Act (EFTA) and Regulation E.
It is also important to understand that not every unfamiliar transaction is considered fraud. Some charges may come from subscriptions, merchants using different billing names, or purchases made by someone who had permission to use the card.
An unrecognized debit card transaction
is a transaction you do not immediately recognize. This does not necessarily mean fraud occurred. Examples: a merchant billing under a different legal name, a forgotten subscription renewal, a delayed hotel or gas station authorization, a trial membership converting into a paid subscription, or a family member using the card.
An unauthorized charge
generally means someone used your debit card or account information without your permission. Examples: purchases made after your card was lost or stolen, online purchases you did not authorize, potentially fraudulent recurring charges, or transactions occurring after your credentials were compromised.
It is important to understand that if you voluntarily gave your card, PIN, password, or account access to a family member, partner, or friend, those transactions may not qualify as unauthorized under Regulation E.
Checklist for an unrecognized debit card charge:
If your financial service provider offers a card lock feature, you can temporarily freeze your card to help prevent additional transactions while you review the activity further.
Reporting a potentially unauthorized transaction promptly helps preserve certain protections available under applicable law. If you use Común, you can contact support through:
When reporting the transaction, try to include: the transaction amount, merchant name, transaction date, and why you believe the charge is unauthorized.
Take screenshots and save records of suspicious transactions, text alerts or emails, merchant communications, and subscription cancellation confirmations.
If you suspect your account information was compromised: change your password, update your email password, enable Face ID or Touch ID, review connected devices, remove suspicious app access, and if your PIN may have been exposed, change it immediately.
If your wallet was stolen, your identity may have been compromised, or the situation involves significant financial loss, contacting law enforcement and filing a police report may help support your case.
Debit card protections in the United States are primarily governed by the Electronic Fund Transfer Act (EFTA) and Regulation E.
| When you report | Potential Maximum liability | Source |
|---|---|---|
| Within 2 business days of learning of the loss or theft | Up to $50 | Reg E §1005.6(b)(1) |
| More than 2 business days after learning of the loss or theft, but within 60 days after your statement sent | Up to $500 | Reg E §1005.6(b)(2) |
| More than 60 days after statement is sent | Liability may increase significantly | Reg E §1005.6(b)(3) |
| Visa Zero Liability (when applicable) | $0 for eligible unauthorized transactions | Visa policy terms and conditions apply |
Federal law may limit liability for unauthorized electronic fund transfers, but delays in reporting may reduce available protections.
Visa's Zero Liability policy generally provides protection for eligible unauthorized transactions made with covered Visa debit cards, subject to applicable terms, conditions, and limitations.
Key aspects:
Once you report an unrecognized or potentially unauthorized debit card transaction to Común, the investigation process may include several stages. Typical timelines may include:
Some situations may not qualify as unauthorized transactions under Regulation E or Visa Zero Liability protections:
Use card lock and unlock features:
Locking your card when not in use may help reduce unauthorized transactions.
Enable real-time transaction alerts:
Instant transaction notifications through the app can help you identify suspicious activity more quickly.
Use Face ID or Touch ID:
Biometric authentication features can help reduce unauthorized account access.
Protect your PIN:
Avoid sharing your PIN, even with people you trust. Never store it in unsecured notes apps or write it directly on your card.
Watch for phishing scams:
Fraudsters may impersonate banks through text messages, fake login pages, phone calls, or social media messages. Banks and service providers will not ask for your password or verification code through text message.
An unrecognized charge is a transaction you do not immediately recognize on your account. It does not always mean fraud occurred.
Under Regulation E in the United States, reporting suspicious transactions promptly is important. Certain consumer protections may decrease after 2 business days and again after 60 days from the date the statement was sent.
It depends on the investigation results and whether the transaction qualifies as unauthorized. In some qualifying cases, consumers may receive reimbursement or provisional credit.
If you voluntarily shared your card, PIN, password, or account access, the resulting transactions may not qualify as unauthorized under Regulation E or applicable Visa Zero Liability policies.
Investigations may begin within approximately 2 business days. Some cases may be resolved more quickly, while more complex disputes or Visa dispute processes may take longer, including up to approximately 90 days in certain situations.
An unrecognized charge on your debit card does not always mean fraud, but it is important to review unfamiliar transactions promptly. In the United States, Regulation E or the Visa Zero Liability protections can help limit your liability for qualifying unauthorized transactions, particularly when reported promptly.

Immigration
8 min de lectura
Surely during your stay in the United States you have heard about the well-known Green Card or permanent resident card.
It is a document issued by the U.S. government that allows immigrants to reside and work legally and permanently.
For immigrants, obtaining it is of utmost importance, as it also opens the door to several benefits, such as legal protection, the right to purchase property, and the ability to apply for lawful permanent residence for family members.
Thousands of migrants in the United States often ask the big question: “How can I live legally in the United States?” We know how important it is for you to achieve better living conditions to support your family and loved ones. Therefore, below you’ll find a guide with practical steps, eligibility categories, and the documents needed to obtain a Green Card and change your life in the United States.
There are several paths to obtain a green card. To know which one to take, you need to be clear about both your immigration status and the eligibility category that applies to your profile.
The first category refers to permanent residence granted through immediate family members who already have legal status in the United States.
It is divided as follows:
You must wait for approval of Form I-130 and then apply for residence; there is no annual cap.
You must file Form I-485. For this, you must wait until your priority date becomes current on the Visa Bulletin. Otherwise, you can only file the I-130.
Remember that to work legally in the United States you must obtain an SSN. Before obtaining residence, migrants often use an ITIN to file their tax returns.
In addition, there are other less common categories:
Each category has different eligibility requirements and processing times, so it is very important to consult U.S. government guidance and, if needed, seek the support of an immigration attorney.
Once you know, in broad strokes, the requirements to obtain a Green Card, you need to be clear about the application process you must follow.
Before starting any process, review the categories above and determine which best fits your profile—family, employment, special immigrants, etc.
We recommend reviewing the Visa Bulletin to verify the documents required for your category and ensure you have them.
Once you are clear on the category that applies to you, you must file the form indicated for that category, along with the required supporting documents, for example:
After your corresponding form is approved, you must apply for adjustment of status or consular processing and pay the fee required by the Department of State.
In the next step, you must attend an adjustment-of-status appointment, at which USCIS will take your fingerprints, biometrics, photo, and signature.
You must also attend an interview to answer questions related to your eligibility category.
Finally, your Green Card will be mailed to your address. Make sure to check that all details are correct and keep it in a safe place.
After some time, you may apply for citizenship if you meet the necessary requirements.
Once you have your green card in hand, you must keep track of renewal periods to avoid issues after the expiration date.
As you can see, the process of obtaining a Green Card is long and exhausting. Therefore, it is essential to understand the different categories, steps, forms, and the key points to maintain your permanent residence.
Another relevant point for improving your stay in the United States is having partners who understand your needs.
We present Común, the financial platform that addresses day-to-day needs through an intuitive mobile app, where you can easily open an account with qualifying official identification from your country of origin.
It also offers remittance services to several countries, helping your family receive more for less.
Open your account with Común today and get financial services tailored to you.
If you still have questions, consult our FAQs.
You need to obtain Advance Parole (Form I-131), since leaving the country could cancel your application.
You must be a permanent resident for at least 5 years, or 3 if based on marriage, and have lived continuously in the United States and fulfilled tax obligations.
It depends on the category and whether you apply inside or outside the country. In general, the wait time is approximately 1 to 3 years.
The cost varies by category. Check USCIS’s fee calculator to get a clear figure.
The I-485 is the adjustment-of-status application to permanent resident filed within the United States, whereas the DS-260 is the immigrant visa application filed from another country.
You can appeal the decision via Form I-290B or refile the application.

Instant payments
8 min de lectura
These payment methods are both available in the U.S. but they are often used for different purposes. Direct deposit is commonly used for paychecks, tax refunds, and government benefits, while wire transfers are more often used for urgent or high-value transfers between financial institutions.
Understanding the difference between direct deposit and wire transfers can help you avoid unnecessary fees, choose the right payment method for your situation, and manage your money more confidently.
The biggest difference is the purpose they serve. Direct deposit is commonly used for recurring payments such as salaries, benefits, and tax refunds. Wire transfers are commonly used to move money quickly between financial institutions, particularly for large or time-sensitive transactions.
| Feature | Direct deposit | Wire transfer |
|---|---|---|
| Common use | Paychecks, benefits, tax refunds | Large or urgent transfers |
| Network used | ACH network | Wire transfer network |
| Speed | Typically 1–3 business days | Often same day or next business day |
| Typical cost | Often no fee to receive | Fees may apply |
| International transfers | Limited | Commonly used |
| Recurring payments | Yes | Less common |
| Setup required | Routing + account number | Bank details + recipient information |
Direct deposit is one of the most common payment methods in the United States, particularly for employees receiving wages from an employer. Instead of issuing a paper check, an employer sends the payment electronically to the employee's bank account through the ACH network.
To set up direct deposit you need to provide your employer: your bank's routing number and your personal account number.
A wire transfer is an electronic transfer of funds between financial institutions through secure financial networks like Fedwire or SWIFT. Unlike direct deposit, wire transfers are better suited for large one-time payments, urgent payments, real estate transactions, or international transfers.
Use direct deposit for:
Use wire transfer for:
With your Común account, you can set up direct deposit by providing your Común routing number and account number to your employer. Your Común account has unique routing and account numbers available in the app. Visit comun.app to learn more.
Not necessarily. Domestic wire transfers can be faster (same day), while direct deposits usually take 1-3 business days. However, many accounts offer early access to direct deposits up to 2 days early.
Setting up direct deposit is generally no fee. Employers use the ACH network to send payroll electronically at no charge to the employee.
Común is a financial technology company and not a bank. Banking services are provided by Community Federal Savings Bank, Member FDIC.
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Instant payments
8 min de lectura
Today, sending money to other countries has become a basic need for millions of immigrants living in the United States.
According to the IDFR ( International Day of Family Remittances) campaign in 2025, over the last decade, immigrants sent around 5 trillion dollars in remittances to their countries of origin, which are essential for food, housing, health, and other basic expenses.
To meet this need, there are applications such as Xoom, a PayPal service for transferring money using various payment methods and in a secure manner.
In this guide, we will review how to send money with Xoom step by step, its main features, and some alternatives to connect with your family outside the U.S.
Xoom is a digital transfer network owned by PayPal that operates entirely online and offers different sending options to facilitate transactions.
It has become one of the most popular options for making international digital money transfers, due to the backing provided by PayPal, which gives users a sense of security.
In addition to PayPal’s backing, Xoom has high security standards for transferring money, such as SSL encryption and the VeriSign seal.
Additionally, its services are available to send money from the United States to more than 70 countries, including Mexico, Guatemala, Honduras, Peru, among others.
To send money through Xoom, just follow the steps below.
You can choose to log in via the website www.xoom.com or the mobile application. Once there, sign in or open an account with your email address. You can also use your PayPal account to access.
Choose the country to which you want to send the transfer. Then you will see the sending options available for the selected destination.
Xoom offers the following payment methods:
Provide the recipient’s details
The information you must enter is:
Select your payment method
Next, enter the amount you want to send and select the payment method, among which are:
Review and confirm the transaction
Before confirming the transfer, Xoom will display the details so you can verify they are correct, along with the amount corresponding to fees, as well as the exchange rate used for the currency conversion.
Track your transfer with the tracking number
Obtain a tracking number and check the status of your transfer directly in Xoom’s application or website.
Although Xoom is a popular alternative for making fast and secure transfers, it is important to consider several aspects before choosing this option.
Xoom’s sending fees are not fixed; they depend on the destination country, the amount to send, and the payment method.
Generally, the most expensive method is with a credit card and the least expensive is through an account.
| Platform | Fee | Exchange rate | Delivery time | Delivery options |
|---|---|---|---|---|
| Xoom | From 2.99 USD, depending on the sending type | Less favorable | Minutes to hours | Bank deposit, cash pickup, home delivery |
| Común | Fee starting at 2.99 USD, up to the applicable limits | Competitive (Clarification: Results may vary depending on destination country and sending method) | Minutes | Cash pickup, bank deposit |
The exchange rate can be another drawback because, in addition to being calculated directly on Xoom’s platform, it varies depending on the selected transfer method.
Xoom imposes sending limits that depend on each account’s verification level. For unverified users residing in the U.S., the daily limit is $2,999 USD. By contrast, verified users can send up to $10,000 or $50,000 USD per day, depending on their verification level.
Xoom has different receiving options, but they may vary depending on the destination country.
In general, it is possible to send money for cash pickup at different payout locations, by bank deposit, top-up, or bill payment.
Xoom is backed by PayPal, in addition to SSL/TLS encryption to protect your financial information and anti-fraud monitoring to ensure your money reaches its destination.
Generally, money transfers via debit card and cash are reflected within minutes. However, other sending methods, such as bank deposit, can take from 1 business day.
The total time will appear before you confirm your transaction in Xoom’s application or on its website.
Xoom is also available in Spanish and, overall, is easy for migrants in the United States to use.
Sending money outside the U.S. is essential, as is having efficient international transfer services such as Xoom. However, there are also more innovative options that offer you greater advantages and lower costs so that your family and friends receive much more.
Común is an innovative and comprehensive financial service that meets the financial needs of users living in the United States, especially immigrants. Unlike Xoom, Común has a specialized focus and transparent fees.
With Común:
Still unsure which option is most convenient for sending money? Discover Común and get to know the easy and safe side of finance.
If you want to learn more, see our FAQ section
It is not possible to send money from Mexico through Xoom, since it only allows transfers from the United States, Canada, and other European countries.
Depending on the sending method, it ranges from minutes to up to 3 business days.
Yes, Común has the necessary security measures in place to keep your money and personal data safe.
Yes, Común is an independent platform from PayPal, and you can open an account with official ID from your country.
Yes, Común allows you to deposit cash at numerous locations near you.
International Money Transfers
8 min de lectura
To receive money from the United States in Mexico, you need to tell the sender which payment method you prefer. It can be a bank deposit, cash pickup at participating locations, or access through your bank account for ATM withdrawals. Depending on the service used, the money may arrive within minutes or on the same day.
Receiving money from the United States is easier today because there are more delivery options available than ever before. Depending on the remittance provider, recipients may be able to receive funds through a bank deposit, cash pickup, or other available methods. Understanding these options can help you choose the most convenient way to receive money and compare remittance services more effectively.
Money sent from the United States can arrive in Mexico through several different delivery methods. The option available depends on the remittance service chosen by the sender and the payment preferences of the recipient. The most common delivery methods include:
The delivery method should be selected before the sender completes the transfer. Choosing the correct option from the beginning can help make the process easier for the recipient.
For a bank deposit, the sender will usually need:
The CLABE is the standardized 18-digit banking number used in Mexico to identify bank accounts for electronic transfers.
For cash pickup, the sender may only need:
Before sharing information, verify that names and account details match your official documents. Small errors can delay delivery or require corrections before the funds are released.
| Payment method | Typical delivery time | Requires bank account | Where to receive |
|---|---|---|---|
| Bank deposit | Minutes to one business day | Yes | Mexican bank account |
| Cash pickup | Minutes to same day | No | Participating payment locations (OXXO, Walmart, etc.) |
| ATM access through deposited funds | Depends on deposit timing | Yes | ATM network linked to the account |
Bank deposits can be useful for paying bills, saving money, or making digital payments. Cash pickup may be a practical option when a recipient does not have a bank account or prefers to receive physical cash. Accessing funds through an ATM can provide additional flexibility after the money has been deposited into an account.
Yes. Many remittance services allow recipients to collect funds in cash without having a bank account. Cash pickup services are available through networks of participating payment locations throughout Mexico.
To collect the funds, recipients are typically asked to present: a valid identification document, the transaction reference number if required, information that matches the transfer details.
Delivery times vary depending on the remittance provider, payment method, verification requirements, holidays, and banking schedules. Some transfers arrive within minutes, while others may take several hours or up to one business day.
Bank deposits may take longer if the transfer is initiated outside banking hours or requires additional verification. Public holidays in the U.S. or Mexico may delay the transfer delivery times and dates. Cash pickup transfers are often available more quickly because they do not depend on bank processing schedules.
In many cases, the sender pays the remittance fee when initiating the transfer. Recipients in Mexico often receive the full amount designated by the sender, although the final amount can be affected by exchange rates and the terms of the transfer service. Some banks in Mexico have fees for international transfers, and some cash pick-up locations may have fees when collecting cash.
Before collecting a transfer, it can be useful to confirm: the amount sent, the exchange rate applied, any collection requirements, the delivery method selected, and if fees are applicable in your case.
If your family member in the United States uses Común to send money, they can choose the delivery method that works best for you in Mexico. Depending on the available options for the transfer, funds may be delivered through a bank deposit or made available for cash pickup through participating payment locations.
Remittances sent through Común start at $2.99, which are covered by the sender. Many transfers are delivered the same day, although it will depend on the destination and delivery method selected. To learn more, visit comun.app/remittances.
Decide whether you prefer a bank deposit or cash pickup before the sender initiates the transfer. Having your account details, documents, and personal information ready can help reduce mistakes and delays.
Make sure you share your preference for receiving remittances with the sender. If you're selecting a cash pick-up location, verify if they have locations available nearby or if you will need to travel to pick it up. When handling cash, it is always important to consider safety precautions.
If your family member in the United States doesn't know about Común yet, you can share the website so they can evaluate if it's an option that suits their remittance needs. Común offers the possibility of opening an account using a passport or more than 100 valid Latin American IDs. The account doesn't have any minimums or monthly fees.
You can receive money through a bank deposit, cash pickup at participating locations, or through funds deposited into an account that can be accessed through an ATM.
Yes. Many remittance providers offer cash pickup services. A valid identification document is usually required.
Some transfers arrive within minutes, while others may take several hours or up to one business day.
Bank deposits usually require account details. Cash pickup services generally require identification and matching recipient information.
The recipient does not always pay a fee directly. Costs may depend on the provider, exchange rate, and transfer terms selected by the sender.
The sender should verify the transaction status with the remittance provider. Delays can occur because of verification requirements, banking schedules, holidays, or incorrect recipient information.
Común is a financial technology company and not a bank. Banking services are provided by Community Federal Savings Bank, Member FDIC. Peer-to-peer payments services are provided by Cross River Bank. No minimums, no maintenance fees. Remittance service provided by Service UniTeller, Inc. Remittance fees start at $2.99 but may vary. Común Inc. may earn revenue from the conversion of foreign currencies.

Living in the United States
8 min de lectura
Although moving to the United States brings a number of benefits due to the wide range of job opportunities available, it also presents challenges, such as the language barrier, which can limit opportunities for many immigrants who have not had access to formal language education.
While it may seem like a difficult goal to achieve, speaking English can make many aspects of daily life easier — such as getting a job, going to school, or handling important paperwork.
Fortunately, technology allows more people to learn English for free and easily, through platforms and mobile apps that offer lessons from anywhere. Below, we’ll show you some of the best options for immigrants who live or plan to live in the United States to learn English.
For many people, taking in-person English classes isn’t always the best option due to cost, schedules, and transportation challenges. If you face any of these obstacles, you should know about practical alternatives from educational institutions and online platforms — ideal for those who prefer a more academic or progressive learning path.
Below, we present 5 reliable alternatives for learning English online.
This is one of the most prestigious English teaching institutions worldwide. Its platform offers a variety of courses for beginner, intermediate, and advanced students, segmented by skills: listening comprehension, grammar, writing, and conversation.
It stands out as a very complete option since students can supplement lessons with various materials such as podcasts, videos, and exercises prepared by certified English teachers.
Coursera is a platform that offers free English courses in collaboration with prestigious universities, maintaining an academic and professional focus.
This is an excellent option if you’re looking to improve your English to access better job opportunities or refine specific skills to sound more like a native speaker.
This platform focuses on teaching English through current content, such as international and cultural news. It’s an ideal alternative for students who want to improve listening comprehension and expand their vocabulary.
This is an official U.S. government platform. It is specifically designed for people who want to acquire basic language skills to handle real-life situations such as visiting the doctor, ordering food, or completing immigration paperwork.
Alison is another dynamic alternative that offers a variety of free courses across different levels and practical skills. Students can also focus on specific areas, such as business English or preparation for certifications like the TOEFL.
Platform
Type of Course
Level
Main Benefit
British Council
Courses segmented by skills, general English.
From beginner to advanced.
Structured learning units with rich study materials.
Coursera
Academic and professional English.
From intermediate to advanced.
Courses focused on improving professional communication skills.
BBC Learning English
Everyday English.
From beginner to advanced.
Short lessons based on current topics.
USA Learns
Practical English.
Beginner.
Designed to equip students with the skills needed to communicate in everyday situations.
Alison
Business English and official certification preparation.
From beginner to advanced.
Offers the option to earn official digital certificates.
In addition to the options above, you can also explore other alternatives known for their flexibility in helping you learn English easily.
Mobile language-learning apps let users study anywhere, anytime, and serve as a fun complement to traditional courses.
Duolingo is the most famous and culturally influential app. It uses gamified lessons that unlock progressively as users acquire new skills. It’s ideal for building vocabulary.
Mondly focuses on conversational practice and pronunciation using tools like voice recognition and artificial intelligence to interact with virtual characters.
Busuu is one of the most comprehensive language-learning apps. In addition to structured lessons based on the Common European Framework, it allows students to interact with native speakers.
Memrise focuses on improving listening comprehension and learning new vocabulary through videos of real-life situations presented by native English speakers.
HelloTalk makes English practice easier by connecting people around the world interested in cultural and language exchange.
As you can see, there are many ways to learn and improve your English. Each has different approaches and benefits, so there’s no single “best option” — it depends on your level and specific needs.
Before deciding which online English course is best for you, consider these recommendations:
The most important factor in making language study effective is consistency, regardless of which platform you choose.
In addition to the classes on platforms or the interactive resources in apps, it’s important to incorporate strategies that help improve your confidence and fluency when communicating in English.
Here are some practical tips designed to make life easier for immigrants in the United States.
In this article, we explained why learning English is important if you plan to live in the U.S., and showed you various platforms and apps designed to help you build essential language skills.
Fortunately, the immigrant community in the U.S. has allies dedicated to supporting them through their adaptation and growth in the country.
Discover Comun — the digital platform designed to meet the financial needs of immigrants.
At Comun, we believe every new learning step brings you closer to your dreams: learning English and organizing your money with Comun are steps toward achieving your goals in the United States.
There are several English course options. If you have no prior knowledge, it’s recommended to start with British Council courses and complement with Duolingo.
It depends on your consistency. If you dedicate even a small amount of time daily, you should notice improvement within three months.
There isn’t just one method to learn English. Try combining practice across different language skills using interactive platforms.







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.