For immigrants in the United States, finding a legal way to remain in the country indefinitely can be a long and confusing process. That’s why it’s important to know all the alternatives to help pave the way toward lawful permanent residence.

Getting a sponsor is a path that can help you regularize your immigration status in the United States. A sponsor is a person who assumes legal and financial responsibility for someone who is in the process of regularizing their documents in the country.

Below, we explain in detail what a sponsor is, the income table to sponsor a family member in 2025, and all the forms and documents needed to formalize this process.

What does it mean to be a sponsor in the United States?

In simple terms, a sponsor is a person who takes on legal and financial sponsorship of someone who is in the process of obtaining an immigrant visa or a Green Card.

It’s a measure by which the U.S. Government, through USCIS, ensures the sponsored person will not become a public charge, since sponsorship entails the sponsor’s financial and legal responsibility.

During this process, some terms can be confused and are worth clarifying—namely sponsor and petitioner.

• Petitioner: the person who files the initial application with USCIS.

• Sponsor: the person who provides financial and legal support for the immigrant. If the petitioner doesn’t meet the requirements, a joint sponsor can be added.

On the other hand, there are two relevant forms you should know during this process.

• Form I-864 (Affidavit of Support):

This form is generally used for permanent resident visas, employment-based visas, or family-based Green Cards for immediate relatives.

• Form I-134 (Declaration of Financial Support):

This form is required for temporary or nonimmigrant visas—for example, a tourist or fiancé(e) visa.

4 requirements to be a sponsor in the U.S.

These are the requirements your sponsor must meet to proceed:

• Be a U.S. citizen or lawful permanent resident.

• Be at least 18 years old.

• Live in the United States (have a domicile there).

• Meet the minimum income requirements.

Regarding income requirements, sponsors must meet the minimums set by the Department of Health and Human Services (HHS), which requires household income above 125% of the federal poverty guideline.

Household size includes the sponsor, their spouse, dependent children, and the sponsored immigrant.

Below is a comparative table with the minimum figures by household size.

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If the sponsor does not meet these minimum incomes, you can turn to a joint sponsor or a household member.

It’s also important to consider some special cases.

• Sponsors with TPS (Temporary Protected Status): cannot be sponsors because they are not permanent residents.

• Humanitarian parole: not eligible to be sponsors unless they obtain permanent residence.

• Armed Forces: U.S. citizens serving in the Armed Forces have more flexible income minimums to sponsor immediate relatives.

What are a sponsor’s responsibilities and how long do they last?

To formalize sponsorship, the sponsor must sign an affidavit committing to provide legal and financial support.

Sponsor’s legal obligations

By signing the affidavit of support, the sponsor commits to providing the financial resources necessary so the sponsored person does not become a public charge.

If the immigrant receives public assistance, such as Medicaid, the U.S. Government may require the sponsor to reimburse those funds.

Duration of sponsorship

Sponsorship has no fixed duration, but it can end when:

• The immigrant adjusts status and obtains permanent residence.

• The immigrant accrues 40 quarters of work and proves it to Social Security.

• The immigrant permanently leaves the country.

Cases where sponsorship does not end

In marriage-based sponsorship, divorce does not terminate the sponsor’s obligations. The same applies if the parties stop living in the same household.

5 documents and forms you need to be a sponsor

Finally, it’s essential to know the documents needed to formalize sponsorship and to assess your sponsor’s eligibility.

Form I-864 or I-134, as applicable

This form serves as an affidavit in which the sponsor commits to meeting their economic and legal obligations to the sponsored person.

There is no fee to file these forms. Unless filed from outside the U.S. through the National Visa Center, in which case Form I-864 costs $120.

Proof of citizenship or permanent residence

The sponsor must present documents proving U.S. citizenship or lawful permanent residence—for example, a passport, Green Card copy, or naturalization certificate.

Tax returns or proof of income

You must provide the most recent annual tax return (Form 1040) and proof of income.

Employer letter, if needed

An employer letter may also be required to confirm the sponsor’s position, salary, and length of employment.

Proof of U.S. domicile

The sponsor must show a U.S. domicile and residence there. Deeds or utility bills can serve as proof.

Organize your finances in the U.S. with Común

Throughout this article, we reviewed in detail what a sponsor is—a person who assumes legal and financial responsibility for an immigrant—as well as the minimum income table and required documents.

Even with a sponsor’s support, it’s important to continue legalizing your situation in the country and to obtain steady work and income.

To that end, it’s vital to manage money well and have fair financial services suited to you.

Discover all the benefits of Común, the financial platform created for immigrants!

• Open your account with qualifying official ID from your country of origin.

• Use the mobile app available in Spanish, transparent and easy to understand.

• Send remittances to LATAM countries with clear and competitive fees.

Open your Común account today and organize your personal finances with clarity and security.

Frequently Asked Questions (FAQ)

If you still have questions, consult our FAQs.

Can I be a sponsor if I don’t have sufficient income?

If your income does not reach 125% of the Poverty Guidelines, you can look for a joint sponsor who must meet the same requirements—per the Federal Poverty Guidelines published annually by the Department of Health and Human Services (HHS).

What happens if the immigrant receives public benefits?

The primary sponsor and joint sponsor are responsible for reimbursing the Government for any public assistance the sponsored immigrant receives.

Alien Registration Number or A-Number: Everything you need to know if you’re in the United States

Immigrants living in the United States should become familiar with several terms and procedures to ensure their long-term stay in the country.

One way to compile all the information related to your immigration process is through the A-Number or Alien Registration Number. This identifier is assigned by the Department of Homeland Security (DHS) to foreign nationals residing in the country.

It’s very important to know this information, as it serves as the identification number for your immigration file.

In this article, we’ll explain what the Alien Registration Number is, what it’s used for, and why it’s so important for immigration procedures.

What is the Alien Registration Number (A-Number) and what is it for?

The first step to identifying an A-Number is knowing that it always begins with the letter “A” and contains 8 or 9 digits.

The main function of this number is to allow USCIS and other agencies to quickly track immigration cases and applications related to each person.

Here are some examples of when the A-Number is used:

• To track your permanent residence (Green Card) application.

• When you apply for a work permit (EAD).

• If you apply for an adjustment of status, your A-Number will be used to link your case file.

Where can you find the Alien Registration Number, and who receives it?

To locate your A-Number, you can check several official documents issued by USCIS or DHS, such as:

• Green Card

• Employment Authorization Document (EAD)

• USCIS notices

• Immigration court orders

Do you know the difference between an ITIN and an SSN? This article explains everything you need to know.

How to identify the A-Number

Below we break down how the A-Number appears on various official documents.

Document

Location

Permanent Resident Card

On the front, next to “USCIS#” or “A#.”

Work Permit (EAD) 

On the front

USCIS Notices

In the upper corner or near the applicant’s name

Immigration court documents

At the top of the document.

This is a unique number assigned only to individuals with formal and permanent files in U.S. immigration agencies, such as:

• Permanent residents (Green Card holders).

• Refugees or asylees.

• Adjustment of status or work permit applicants.

• Individuals with open cases before immigration court.

On the other hand, temporary visitors such as tourists, students, or non-immigrant visa holders do not receive an A-Number since their cases do not require a permanent immigration file.

Do you already have an ITIN in the United States? This article explains all the benefits of this identifier.

Why is the Alien Registration Number important in immigration procedures?

The A-Number is a central identifier used in multiple immigration procedures needed to regularize your status in the country.

Here are the most common uses of the A-Number in immigration processes.

Tracking immigration cases (USCIS Case Status)

If you want to track the status of your pending applications, such as permanent residence, work permit, or adjustment of status, you need to enter your A-Number in the USCIS Case Status system.

This way, you can know exactly which stage your case is in and stay informed of updates to ensure your process stays on track.

Updating personal information

It’s essential to keep your immigration records updated. If you change your address, phone number, or legal name, your A-Number will help you update your information.

This helps ensure you receive official notifications and avoid delays in important procedures.

Avoiding mistakes in immigration processes

Since the A-Number functions as a unique identifier, it also helps avoid confusion between applicants with the same or similar names.

Be sure to use your A-Number correctly when filling out forms or official documents so that all your information stays under the same file and saves time when searching for a document or specific information.

In short, this number helps simplify the immigration process for immigrants and provides a sense of security and control during procedures that can often cause stress and uncertainty.

What to do if you don’t have or don’t remember your A-Number

If you don’t have an A-Number, remember that USCIS assigns one once you start an immigration process in the United States. If you already have one but can’t remember it, follow these tips to locate it.

• Check your official documents, such as your Green Card, work permit, or any forms submitted to USCIS.

• Log in to your USCIS online account and check the “manage your case” section.

• Call the USCIS Contact Center at 1-800-375-5283, explain that you can’t find your A-Number, and ask for assistance locating it.

Avoid using a fake A-Number, as this could cause problems with immigration authorities.

Organize your immigration life while managing your finances with Comun

As you can see, the A-Number is essential to staying organized during immigration procedures. It helps keep your documents together in one file, making them easier to locate and reducing the risk of delays caused by mistakes.

Another important aspect of immigrant life in the U.S. is having the right tools to keep personal finances organized.

Meet Comun, the platform designed to help immigrants manage their finances with ease.

Here are some of the benefits Comun offers:

• Open an account with a qualifying official identification from your home country.

• Send money to several countries with clear and competitive fees, up to the applicable limits.

• Access support in both Spanish and English.

Want to discover a truly fair and accessible financial service? Open your Comun account today!

Just as your A-Number helps you keep your immigration documents organized, Comun helps you maintain your financial stability in the United States.

Frequently Asked Questions (FAQ)

If you still have questions, check out our FAQ section.

What is the USCIS number? Is it the same as the A-Number?

The USCIS number appears on your permanent resident card or work permit. It’s actually the same identifier as your A-Number, which appears on these documents preceded by “USCIS#.”

What is the Alien Number?

The Alien Registration Number is the official name for the A-Number assigned by DHS or USCIS to individuals who are not U.S. citizens, allowing them to track their immigration process through a unique file.

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Una cuenta de banco es una cuenta financiera que un cliente tiene en un banco. La cuenta bancaria permite a los clientes depositar y retirar dinero, así como emitir cheques. Por esto mismo también se le llama cuenta de cheques.

Las ventajas de tener una cuenta bancaria son, entre otras:

• fácil acceso a su dinero - acceso bancario 24 horas al día, 7 días a la semana, a través de la página web o la aplicación del banco
• no es necesario llevar dinero en efectivo encima
• posibilidad de ganar intereses por sus depósitos
• crear un historial de crédito, lo que puede ser importante cuando quiera pedir un préstamo en el futuro

¿Cómo abrir una cuenta bancaria?

Abrir una cuenta bancaria es relativamente fácil. Tendrás que facilitar algunos datos personales, como su nombre, fecha de nacimiento y dirección. También se le pedirá una identificación; normalmente el número de Seguridad Social (SSN por sus siglas en inglés) basta para esto. Bancos más modernos, como Comun, ofrecen la posibilidad de reemplazar el SSN con su pasaporte o matrícula consular. Es posible que también se le pida documentación que demuestre prueba de residencia.

Los diferentes tipos de cuentas bancarias disponibles

Hay diferentes cuentas bancarias entre las que puede elegir. La cuenta de banco más común es la cuenta corriente, que le permite depositar y retirar dinero, así como emitir cheques. Una cuenta corriente es una gran opción si quieres acceder a tu dinero fácilmente sin llevar efectivo encima, ya que la tarjeta de débito de tu cuenta te permite hacer pagos en cualquier establecimiento.

Otro tipo de cuenta bancaria habitual es la cuenta de ahorro. Las cuentas de ahorros le permite ahorrar dinero y ganar intereses sobre sus depósitos. Es una gran opción para los que quieren acumular sus ahorros con el tiempo.

También hay una serie de cuentas bancarias especializadas, como las cuentas para estudiantes, personas mayores y empresas. Asegúrese de investigar las diferentes cuentas bancarias disponibles y elija la que mejor se adapte a sus necesidades.

Cómo gestionar una cuenta de cheques en línea

Muchos clientes de bancos eligen gestionar su cuenta bancaria en línea. Esto puede hacerse a través del sitio web o la aplicación del banco. La gestión de su cuenta bancaria en línea le permite acceder a su cuenta 24 horas al día, 7 días a la semana.

Algunas de las cosas que puede hacer en línea son:

• ver el saldo de su cuenta y el historial de transacciones
• transferir dinero entre cuentas de ahorros y de depósitos
• pagar facturas
• pagar su tarjeta de crédito
• depositar cheques
• configurar alertas bancarias para eventos específicos, como un saldo bajo o un depósito grande

¿Cuáles son los costos de abrir una cuenta bancaria en Estados Unidos?

Algunas cuentas, como las que ofrece Comun, son completamente gratis. Sin embargo, hay muchos bancos que sí cobran comisiones. Entre ellos están algunos de los bancos más populares de Estados Unidos:  Bank of America, JPMorgan Chase, Citigroup y Wells Fargo. Éstas son algunas de las comisiones que cobran:

• cuota mensual de servicio
• requisito de saldo mínimo
• cargo por sobregiro
• comisión por canjeo de cheques.

Ciertos bancos también limitan el uso del español en sus interfaces digitales o en sus centros de atención al cliente. Asegúrese de investigar las comisiones que se cobran y el lenguaje que se usa antes de abrir una cuenta con cualquier banco.

Respaldo del FDIC

La Federal Deposit Insurance Corporation (FDIC) es una agencia gubernamental que asegura los depósitos de los consumidores en los bancos que forman parte de su red. Es importante escoger un banco que cuenta con este respaldo, ya que tendrás hasta $250,000 de tus fondos asegurados por el gobierno de Estados Unidos en caso de que tu banco falle.

Los beneficios de Comun

En Comun encontrarás una cuenta coriente completamente gratis, en español (desde la aplicación móvil hasta el servicio al cliente), y con la flexibilidad de aplicar con su pasaporte, sin importar su nacionalidad. La apertura de cuenta es muy fácil y tendrás acceso a ella 24 horas al día, al igual que la posibilidad de pagar facturas o depositar cheques. Comun cuenta con el respaldo del FDIC, así que tus fondos están asegurados por hasta $250,000 USD.

Como con cualquier otro servicio financiero, asegúrate de investigar diferentes opciones disponibles y elija la que mejor se adapte a sus necesidades.

Choosing the right remittance service provider for you

Every year, people all over the United States send remittances to support their family and friends back home. These transfers are more than just simple transactions, these are the economic lifeline for them. This is why choosing the right service provider for your remittances based on your needs is key to ensuring you and your loved ones have the support you need. 

What is a remittance? 

Simply put remittances are money transfers made by people who live and work in one country to family members, friends, or other beneficiaries who are residing in another country.

How do remittances work in the U.S.?

Sending a remittance from the U.S. follows a fairly standard process, these are the steps regardless of who is the remittance service provider:

1. Initiate the transfer
   The sender chooses a remittance service provider, then choose the payout method that is right for the recipient (such as: cash pickup, bank deposit, transfer, etc.), input the amount to send, and provides the recipient’s details.
   
   
2. Fund the transfer
   Transfers typically be funded via debit card, bank account, cash (in-store), or sometimes with credit card. Fees vary widely across different remittance providers.
   
   
3. Exchange rate
   This is where many senders lose money without realizing it. Some remittance providers convert USD to the recipient’s local currency using an exchange rate that may include a hidden markup over the mid-market rate. Some remittance service providers don’t charge commissions on the transfer as their business gains come strictly from exchange rates conversion. Understanding the exchange rate’s fees is also important when preparing to send remittances.
   
   
4. Settlement and payout
   The money is delivered to the receiver through a partner bank, local agent, cash pickup or digital wallet. Depending on the provider, this can take from minutes to  days.
   
   

The combination of fees + exchange rate markup is what ultimately determines the real cost of the remittances transfer. Many remittance providers advertise low fees when their business gains are achieved by offering a much weaker exchange rate, which results in reducing the amount your recipient actually receives. 

Types of Remittance service providers in the U.S.

The U.S. remittance service provider market is diverse, and providers generally fall into the following categories:

1. Cash-to-Cash Money Transfer Operators (MTOs)

These are the traditional remittance companies with physical locations for in-person payments and cash pickups.

Examples: MoneyGram, Western Union, Walmart (MoneyGram at Walmart).
Pros: Physical accessibility, ideal for people without bank accounts.
Cons: Often higher service fees, a slower process, and often has exchange-rate markups.

2. Traditional Banks and Credit Unions

Some financial institutions offer international wire transfers through SWIFT processes for remittance programs.

Pros:  Physical locations, direct bank-to-bank transfers.
Cons: Requires a bank account, usually the most expensive option (as SWIFT processes tend to have costly fees and exchange rates) and it could require longer processing times.

3. Digital-first Transfer Services

These companies operate entirely online or through mobile apps. They can be faster and more transparent.

Examples: Remitly, Felix, Comun, etc.
Pros: Convenience, speed, competitive fees, trackable transfers.
Cons: Limited cash pickup options in some regions.

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Key things to look out for when selecting a remittance service provider 

Choosing the right remittance service provider can have a significant impact on how much money actually reaches your loved ones. Between varying fees, differences in the exchange rate, documentation requirements, and the growing list of additional services, not all remittance providers offer the same services nor require the same things. Whether you send money home occasionally or on a weekly basis, it is important to choose a remittance provider that maximizes the value of what your loved ones receive. 
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1. Fees: What you pay up front (and what you don’t see)

Every remittance provider has some form of fees for providing their services, however not all fees are presented the same way (this is why it's important to fully understand the costs associated with your remittance). 

What types of fees can potentially exist? 

• Transfer fee: A flat or percentage-based amount charged per transaction. 
• Payment method fees: Extra charges for using a credit card instead of a bank account.
• Payout method fees: Some providers charge more for cash pick-ups vs. bank deposits.

What could be an unexpected fee?

• For example, exchange rates can differ: Often the exchange rate you find while doing an online search is not the same exchange rate that will be charged by your chosen remittance service provider.
  
  

What to look for?

• A tool or calculator showing the final amount the recipient gets before you make the transfer. 
• Transparent fee displays before you confirm the transaction. 
• Providers that consistently keep both transfer fees and FX markups low.
  
  

In many cases, the cheapest provider isn’t the one with the lowest visible fee. It could be the one offering the most competitive exchange rate or a fixed fee that makes sense with your transfer activity. The best service provider will always be one that serves the specific needs you have. 

 2. Exchange Rates: Why does the exchange rate could play a key role when selecting a remittance service provider? 

The exchange rate (or tipo de cambio) used by the provider determines how many pesos, quetzales, soles, or other currency your recipient will receive. When sending money abroad, senders can sometimes focus only on the visible fee (for example, a charge of $3.99 per transfer). But in many cases, the biggest cost can come in the exchange rate. If two companies offer the same fee but one has a weaker exchange rate, your family may receive less money.

For example: A difference of choosing an exchange rate with just 1 mexican peso less per USD could mean that the recipient would get $100 mexican pesos less on a $100 USD remittance. 

Understanding the real costs of your remittance  is essential to choosing the best remittance provider.

What questions can I ask myself before choosing the right remittances service provider?

• Do they use the mid-market exchange rate or do they add a margin?
• Is the rate fixed at the time you send the money? 
• Do they offer promotional rates only for first-time customers?

What could be something to look out for?

• A low fee paired with a weak exchange rate.
• Big differences between their advertised rate and the actual payout amount.
• Exchange rates that fluctuate during the transfer.
  
  

Even a small difference in the exchange rate can significantly reduce the final amount your family or friends receive if you send a lot.

3. Documentation and requirements: Keep it simple and secure

Each remittance provider must comply with U.S. financial regulations, but their onboarding requirements vary from service provider to service provider. 

What are some common documentation steps or documents needed?

• ID verification (e.g., driver’s license, passport, or state ID).
• Personal information such as date of birth and address.
• Recipient details (full name, destination country, payout method)
• In some cases, proof of funds or additional verification for large amounts

What to look for?

If a provider asks for excessive documentation or makes the process confusing, consider choosing one with smoother compliance systems. For example, some remittance services accept documentation without a United States passport when the sender can demonstrate residency in the United States. 

4. Speed and reliability: How fast does the money arrive?

While some people prioritize low cost, others prioritize speed. This is completely impacted by the recipient's needs back home. 

Transfer speeds vary by:

• Payment method (debit card vs. bank transfer vs. cash).
• Receiving method (bank deposit vs. mobile wallet vs. cash pickup)
• Provider’s infrastructure and local partnerships.
  
  

What can I focus on to ensure my transfer arrives quickly and safely? 

• Real-time delivery estimates offered by the service provider. 
• Clear differentiation between “instant,” “same-day,” and “next-day”. 
• A track record of reliability, not just advertised promises.

When urgency hits speed matters, but always make sure your money is safe. 

5. Security and trust: Your money must be safe

Choosing a remittance provider also requires confidence in the company’s ability to protect both your information and funds.

What are some key indicators of a trustworthy service provider?

• Licensing as a money transmitter in the U.S. For example, with Comun your funds in the Comun checking account are held at a FDIC insured partner bank.
• Secure encryption for payments.
• Fraud prevention tools and notifications.
• Positive customer reviews and transparent dispute resolution
  
  

To keep your money safe it is important to consider avoiding remittance providers with unclear credentials or repeated complaints about blocked transfers and delayed payouts.

6. Additional Services: Look beyond the transfer

A remittance provider is more than just a money-sending tool. Many now offer value-added features that can save you time or money. 

Common additional services

• Bill payments directly for utilities services overseas
• Mobile top-ups.
• Multi-language customer support. Like Comun that is available in Spanish.
• Transaction histories and downloadable receipts.
• Rate alerts to notify you when the exchange rate is favourable.
  
  

What to look for?

• Tools that simplify your overall financial support for your family and friends. 
• Support available that is adapted to your needs.
  
  

Extra services should add convenience not complexity. For example, at Comun you can either use your own debit card to fund the remittance, or open a Comun checking account if you don’t have a debit card.  

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Choose the right remittance service provider for your needs!

There’s no one-size-fits-all for a remittance service provider. Some people value speed, others care about the costs, while others need in-person services or cash pickup locations. To get the most out of your next transfer, focus on what matters to you whether it’s:

• Transparent fees.
• Competitive exchange rates.
• Simple documentation.
• Useful additional services.
• Strong security and customer support.
  
  

Taking a few minutes to compare the options with different service providers can make a significant difference in what your family and friends receive and how you optimize your finances according to your needs. 

Comun offers remittances services where you can either use your own debit card, or open a checking account with Comun if you don’t have a debit card. With Comun there are no annual nor monthly fees. Furthermore, Comun’s services are available in Spanish. Download our app or reach out if you’d like to learn more about Comun. 

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For immigrants in the United States, having a banking account has become a basic necessity to carry out all types of daily tasks, such as shopping in physical and online stores, receiving wages, sending transfers and remittances, opening a savings account, among other things.

Despite the importance that a banking account has for immigrants and U.S. citizens, there are still factors that hinder the immigrant community’s access to banking, such as high fees and required documentation.

According to FDIC data, among vulnerable groups without banking accounts (unbanked), Hispanics make up 9.5%. This shows a gap that disadvantages a significant portion of the population.

Access to financial services is an increasingly attainable right for immigrants in the U.S. In this article, we will explain step by step what is required to open an account at a bank and on digital platforms, as well as the advantages of these solutions.

4 Requirements to Open a Banking Account in the United States

It is true that financial services make users’ lives easier and, in some way, improve their quality of life. But, what is needed to open a banking account in the United States?

Opening a bank account, whether a checking account or another type, requires meeting a series of requirements and presenting documentation, which may vary depending on the financial institution.

Some of the difficulties immigrants face when opening a banking account are not having an SSN (Social Security Number) or tax documentation, as well as the lack of information in Spanish.

Fortunately, beyond traditional banks, there are currently alternative solutions such as Común, a financial platform dedicated to meeting the needs of people who seek accessible and efficient services.

In general, these are the most common required documents to access a banking account in the United States.

Social Security Number (SSN)

This is the most common requirement for opening an account. It is an identifier for people who reside and work legally in the United States, and it is required for banks to carry out the identity verification process.

Individual Taxpayer Identification Number (ITIN)

The ITIN is an alternative for people who do not qualify for the SSN, since some financial institutions accept it instead.

Identity Document

For this requirement, it is possible to present a passport, a driver’s license, a government-issued ID, or a consular ID card. Any of these documents must be valid and show both name and photograph.

Proof of Address

To prove your residence in the United States, you can present utility bills, such as electricity, or even a digital account statement.

Step by Step: How to Open a Banking Account in the U.S. with Foreign Identification

The number of requirements requested by traditional institutions tends to make access to banking difficult, especially for immigrants without the previously listed documentation.

If you are looking for a practical and simpler solution than traditional banking services, you can turn to options like Común, the platform that streamlines processes and offers fair financial services for everyone.

Access to these services is possible with official, qualified foreign documentation, which helps reduce the gap in access to banking for immigrants.

Choose a Secure Platform that Accepts Foreign Identifications

In general, traditional banks request the SSN or ITIN, so a convenient option is to choose a digital platform with more flexible requirements but with the same quality and seriousness in their processes.

Común is a platform that makes immigrants’ lives easier in the United States, as it allows you to open an account with official, qualified documentation from your country of origin and simplifies the sign-up process without complicated paperwork.

Download the Mobile App and Set Up Your Account available in Spanish

You only need a mobile device compatible with Android or iOS to download the application, where you will create your profile and enter your information.

Verify your identity with an official ID from your country

Then, carry out the identity verification with your official ID from your country of origin. To do this, you will need to take a picture of it and possibly take a selfie.

Activate Your Card and Start Using Your Account

Once you provide the necessary documentation, you will have access to a debit card to make purchases at various establishments and will be able to make transfers and receive payments.

Use Additional Features Such as Sending Remittances or Deposits at Stores

For immigrants, it is essential to have services that allow them to send remittances to their countries of origin, so you can also use this benefit, in addition to making direct deposits in physical stores near you.

Which Bank in the U.S. Allows Opening an Account with a Passport? More Accessible Alternatives

There are alternatives with more flexible account opening options, such as Bank of America, which accepts the ITIN in case you do not have an SSN. However, the processes tend to be longer and slower compared to other digital platforms, which facilitate the sign-up process by offering greater feasibility in their requirements.

Bank of America

Bank of America supports the opening of banking accounts in the United States for immigrants, because it allows opening an account with a valid passport or ITIN. However, it is necessary to go in person to a branch to complete the process.

Común

Común is a digital platform that allows opening an account with more than 100 foreign IDs or with a valid passport, which makes it easier to obtain an account for immigrants and send remittances to Latin America for an affordable fee; in addition to making cash deposits at more than 100 stores.

Wells Fargo

Wells Fargo also accepts a passport as the main ID, but may request an additional identification, such as a credit card or student ID.

Wise

Wise is a fintech that offers digital accounts in different currencies. It is possible to access its services with a passport, ITIN, or SSN.

Revolut

Revolut is another alternative for non-citizens in the United States, since it accepts a passport as identification; among other options, such as a driver’s license or national ID.

Why Común is Ideal for Opening Your Account in the U.S.?

Although the requirements to open an account may make it seem like an inaccessible process for many immigrants in the U.S., fortunately, there are also more accessible options.

If you are looking for a clear, reliable alternative available in Spanish, it is time to change your relationship with finances through Común: a service that truly understands your needs.

Why is Común Your Ally?

Forget about minimum deposits or monthly charges

Access a mobile app available in Spanish with a user-friendly interface

Send money to your home country for a fee starting at $2.99, up to the applicable limits

Deposit cash at a network of establishments near you

It has 24/7 customer support available in Spanish

Remember that Común offers you a service available in Spanish with simple processes. Open your account today and start using a service designed for you!

Gestionar tus cuentas bancarias de manera eficiente implica entender las mejores prácticas para gestionarlas, utilizar los recursos de tu banco o cooperativa de crédito y tomar decisiones financieras informadas. Este artículo explorará estrategias esenciales desde la elección del tipo correcto de banco y el saldo de la cuenta corriente hasta aprovechar la aplicación de banca móvil de tu banco para una gestión óptima de la cuenta.

Comprender tu Cuenta

Explore los diferentes tipos de cuentas bancarias, como cuentas corrientes, cuentas de ahorro y cuentas del mercado monetario en varias instituciones financieras. Aprende sobre sus usos específicos, desde el gasto diario con una tarjeta de débito hasta ahorrar dinero para metas futuras a través de una cuenta de ahorro de alto rendimiento. Domina cómo monitorear los saldos de las cuentas corrientes y rastrear las transacciones financieras utilizando la aplicación de banca móvil de tu banco, asegurando una gestión efectiva del efectivo.

Haz clic aquì para saber mas sobre tu numero de cuenta

Configuración de Alertas de Cuenta

Las alertas de banca móvil son herramientas esenciales en la era de la banca digital, ya que aumentan tu conciencia sobre las actividades de la cuenta y ayudan en la gestión financiera. Emplea prácticas de seguridad robustas para gestionar tu cuenta en línea, como el uso de contraseñas seguras y la habilitación de la autenticación de dos factores. Utiliza las funciones de seguridad de la aplicación móvil de tu banco para protegerte contra el acceso no autorizado y garantizar la seguridad de tus transacciones financieras.

Al configurar alertas, puedes recibir notificaciones para varios eventos, como cuando tu saldo cae por debajo de un cierto umbral, lo que ayuda a prevenir tarifas por sobregiro. Las alertas para depósitos o retiros grandes también pueden ayudar a monitorear transacciones fraudulentas, especialmente importantes en múltiples cuentas bancarias en diferentes instituciones financieras.

Además, muchos bancos y cooperativas de crédito ahora ofrecen opciones de alerta personalizables, que te permiten recibir actualizaciones sobre saldos de cuentas en momentos establecidos o incluso actividades inusuales con tarjetas, asegurando aún más tus transacciones financieras y ayudando a mantener una buena gestión del flujo de efectivo.

Presupuestar y Rastrear Gastos

Un presupuesto efectivo es crucial para la estabilidad financiera, y las herramientas modernas de gestión de dinero están diseñadas para satisfacer esta necesidad proporcionando información detallada sobre tus gastos variables y fijos. Estas herramientas se sincronizan con tus cuentas bancarias para categorizar automáticamente las transacciones, facilitando el seguimiento de dónde va tu dinero e identificando áreas para posibles ahorros.

Utilizar depósitos directos de manera estratégica puede automatizar gran parte de tu planificación financiera, asegurando que los gastos esenciales, como facturas mensuales, se cubran automáticamente, mientras también direccionas dinero a cuentas de ahorro separadas designadas para objetivos específicos como ahorrar para un fondo de emergencia o acumular un pago inicial. Esta configuración de depósito directo no solo simplifica la gestión de las finanzas, sino que también ayuda a mantener la disciplina en la consecución de tus objetivos financieros.

Utilizar Herramientas de Ahorro Automático

Las herramientas de ahorro automático son vitales para construir resiliencia financiera sin requerir intervención manual constante. Configurar transferencias automáticas entre tu cuenta corriente y cuentas de ahorro de alto rendimiento puede mejorar significativamente tus esfuerzos de ahorro al aprovechar las tasas de interés más altas ofrecidas por estas cuentas. Estas herramientas pueden programarse para transferir una cantidad fija o un porcentaje de tu ingreso mensual directamente a una cuenta de ahorro o inversión, asegurando que el ahorro se convierta en una parte continua de tu rutina financiera.

Además, algunos bancos ofrecen funciones como programas de "redondeo", donde las transacciones diarias se redondean al dólar más cercano y la diferencia se transfiere a una cuenta de ahorro separada, convirtiendo efectivamente cada compra en una oportunidad de ahorro. Discutir estas opciones proporciona una visión clara de cómo las herramientas de ahorro automático no solo ayudan a alcanzar objetivos financieros a largo plazo, sino también a gestionar de manera más efectiva la salud financiera diaria.

Minimizar Tarifas

Entender y minimizar las tarifas asociadas con las cuentas bancarias es crucial para mantener tu salud financiera. Las tarifas por servicio mensual, los requisitos de saldo mínimo, las tarifas por sobregiro y otros cargos pueden erosionar rápidamente tus ahorros si no se gestionan adecuadamente. Es importante revisar regularmente los términos y condiciones de cada cuenta bancaria, ya que los bancos a menudo cambian sus estructuras de tarifas. Una estrategia efectiva es mantener un cierto saldo en la cuenta que exima algunas de estas tarifas.

Además, considera usar un banco o cooperativa de crédito que ofrezca opciones de cuentas corrientes y de ahorro sin tarifas. Herramientas como las aplicaciones de análisis de tarifas pueden ayudar a identificar ahorros potenciales sugiriendo cambios en cómo gestionas tus cuentas o incluso recomendando un cambio a una institución financiera diferente que ofrezca tarifas más bajas. Este enfoque proactivo asegura que siempre estés por delante de los gastos innecesarios, preservando más de tu dinero ganado con esfuerzo.

Tarifas Comunes:

• Tarifas por Servicio Mensual: Cobradas por el mantenimiento de la cuenta, aplicables en muchas cuentas corrientes y de ahorro.
• Tarifas por Requisitos de Saldo Mínimo: Incurridas cuando los saldos de la cuenta caen por debajo de un umbral especificado.
• Tarifas por Sobregiro: Cobradas cuando las transacciones exceden el saldo de la cuenta.
• Tarifas de Cajero Automático: Aplicadas al usar cajeros automáticos fuera de la red de tu banco.
• Tarifas por Transacción: Algunas cuentas tienen tarifas por ciertos tipos de transacciones, como transferencias electrónicas o incluso retiros excesivos.

Estrategias para Evitar Tarifas:

• Mantener Saldos Mínimos: Mantén tu cuenta por encima del mínimo requerido para evitar tarifas mensuales.
• Usar Cajeros Automáticos Dentro de la Red: Retira efectivo de cajeros automáticos dentro de la red de tu banco para evitar tarifas.
• Configurar Alertas: Monitorea tus saldos de cuenta y recibe notificaciones para prevenir sobregiros.
• Elegir el Tipo de Cuenta Correcto: Opta por cuentas bancarias que se ajusten a tus hábitos financieros, como cuentas sin tarifas mensuales o cuentas que ofrezcan exenciones de tarifas con depósitos directos.
• Vincular Cuentas: Vincula tus cuentas corrientes y de ahorro para cubrir automáticamente los déficits y evitar tarifas por sobregiro.
• Revisar Regularmente los Términos de la Cuenta: Mantente actualizado sobre cualquier cambio en la estructura de tarifas y los términos de servicio de tu banco.
• Negociar Tarifas: Algunos bancos pueden eximir tarifas si discutes tus opciones de cuenta con ellos, especialmente si eres un cliente de larga data con múltiples cuentas.

Al implementar estas estrategias, puedes minimizar o incluso eliminar muchas de las tarifas típicamente asociadas con la gestión de cuentas bancarias. Este enfoque proactivo no solo ayuda a ahorrar dinero, sino también a mejorar tu salud financiera en general.

Puedes Abrir Tu Cuenta Corriente en Común con Tarjeta VISA¹ Sin Cobros Absurdos

Abre tu cuenta corriente¹ en solo 3 minutos con la identificación de tu país².

Documentos aceptados de toda LATAM:

• Pasaporte
• Tarjeta de identificación
• Licencia de conducir
• Matrícula consular
• Visa
• ¡Y muchos más!

Beneficios inigualables:

• $0 cargo por apertura
• $0 balance mínimo
• $0 comisión mensual

Abre tu cuenta‍

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Te explicamos como abrir una cuenta corriente en Estados Unidos

Revisión y Revaluación Regular

Revisar y reevaluar consistentemente tus metas financieras y configuraciones de cuentas bancarias es clave para adaptarte a los cambios en tu situación financiera y en las condiciones del mercado. Esto debe incluir verificar si las tasas de interés de las cuentas de ahorro son competitivas, evaluar los beneficios de tener múltiples cuentas y evaluar si tu banco actual cumple con tus necesidades.

La reevaluación regular puede ayudar a identificar oportunidades para consolidar cuentas, simplificando así las finanzas y potencialmente reduciendo tarifas. Además, considera establecer recordatorios para revisar todos los depósitos directos y pagos automáticos anualmente para asegurar que se alineen con tus objetivos financieros actuales y requisitos de flujo de efectivo. Esta revisión regular ayuda a evitar la complacencia financiera, asegurando que tus arreglos bancarios siempre estén optimizados para tu situación financiera actual y metas de ahorro.

Vinculación de Cuentas para una Gestión Simplificada

Vincular tus diversas cuentas bancarias, ya sea en la misma institución financiera o en varias, puede mejorar enormemente tu capacidad para gestionar las finanzas de manera fluida. Esto puede facilitar transferencias más fáciles entre cuentas, como mover fondos de una cuenta corriente a una cuenta de ahorro, lo cual puede ser esencial para gestionar el flujo de efectivo mensual o ahorrar para gastos planificados como vacaciones o gastos navideños.

Además, muchas instituciones financieras ahora ofrecen herramientas en línea y móviles sofisticadas que proporcionan una vista unificada de todas tus cuentas, incluso si están en diferentes bancos. Esta integración puede ayudarte a comprender mejor tu panorama financiero general, facilitando la toma de decisiones informadas sobre dónde asignar fondos. También, tener un centro centralizado para gestionar múltiples cuentas puede reducir el tiempo invertido en iniciar sesión en varias cuentas separadas y mejorar la precisión de tu presupuesto y seguimiento financiero.

Conclusión

La gestión eficiente de tus cuentas bancarias no solo se trata de proteger tus fondos, sino también de optimizar tus operaciones financieras para apoyar tus metas personales y financieras. A lo largo de este artículo, hemos explorado una variedad de estrategias, desde la elección del tipo correcto de cuenta hasta aprovechar las herramientas avanzadas de banca móvil. Estas prácticas están diseñadas para mejorar tu comprensión financiera, reducir tarifas innecesarias y mejorar la gestión general del flujo de efectivo.

Finalmente, como hemos discutido, utilizar alertas, comprender la estructura de tarifas de tu banco y emplear herramientas de ahorro automáticas son todos aspectos fundamentales para mantener una salud financiera robusta. Las revisiones regulares y la vinculación estratégica de cuentas simplifican aún más el proceso de gestión, permitiendo un viaje financiero más fluido. Al implementar estas mejores prácticas, puedes asegurarte de que tus cuentas bancarias trabajen más para ti, convirtiendo la banca diaria en una herramienta poderosa para lograr estabilidad y éxito a largo plazo.

One of the greatest challenges faced by the immigrant community living in the United States is dealing with the nostalgia of being far from their home country and loved ones.

A father is one of the most important family members, as he ensures that nothing is missing at home—from daily meals to the unconditional love that lasts a lifetime. That’s why, despite the distance, celebrating Father’s Day is especially meaningful.

Since the date of this celebration varies between the U.S. and Latin America, we’ll explain when Father’s Day is celebrated in both regions, how it’s observed, and how to stay connected with those you love most.

The Meaning of Father’s Day for the Immigrant Community

The origin of Father’s Day dates back to the early 20th century, when Sonora Smart Dodd proposed honoring fathers in tribute to her widowed father who raised six children on his own. Since then, the United States has observed the third Sunday in June as the official date to celebrate fathers.

Gradually, the celebration spread within and beyond the country, reaching much of Latin America, where—alongside Mother’s Day—it’s a special occasion to strengthen family unity.

For the immigrant community, this day has become more emotional than usual. On one hand, there are many fathers in the U.S. who arrived seeking a better future for loved ones back home. On the other hand, there are children celebrating their fathers from afar, offering love and support across borders.

Some of the ways fathers and children stay in touch include sending remittances to their home country, exchanging messages, and making video calls to stay connected.

When Is Father’s Day Celebrated in the United States?

In the United States, Father’s Day is celebrated on the third Sunday of June—a day that has become a symbol of recognition for the dedication of fathers who provide for their families and offer unconditional love.

Do you know how the first Father’s Day began? The celebration was promoted by Sonora Smart Dodd, inspired by her father, a Civil War veteran who raised six children alone. The idea was well received and gradually became popular nationwide until President Richard Nixon made it an official holiday in 1972.

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Typical Father’s Day Traditions in the U.S.

For the immigrant community in the U.S., this day is an opportunity to thank fathers for their hard work and sacrifice over the years to support their families.

Some common ways this special day is celebrated include:

Family Gatherings

Families in the U.S. often spend the day together eating and drinking at home, listening to music, dancing, and sharing funny stories about their fathers.

Activities

Another option is to enjoy outdoor family activities such as organizing or attending a soccer game, having a picnic, or watching a movie together.

International Calls

One way to bring families together across borders is through international calls or video chats. Fortunately, there are now more ways than ever to bridge the distance through technology.

Father’s Day Dates in Latin America

In most of Latin America, the date of Father’s Day doesn’t vary much.

Countries That Celebrate on the Same Day as the U.S.

Country

Cultural Differences 

Mexico

Celebrated with traditional meals, school festivals, and greeting cards.

Colombia

Families host lunches accompanied by live music.

Peru

A day to honor the hard work of fathers.

Chile

Not an official holiday, but still celebrated with family meals.

Argentina

Originally celebrated on August 24, a date still observed in some provinces.

How to Celebrate Father’s Day from the United States

Distance is no reason to skip celebrating such an important occasion. Here are a few ways to show your dad you’re thinking of him even if you live in another country.

Send a Small Gift or a Symbolic Remittance.

More than a material item or money, sending a gift or remittance to your father is a way to show that he remains an important part of your life.

Make Family Video Calls or Virtual Gatherings.

This is the easiest way to stay in touch, not only on Father’s Day but also throughout the year. You can organize a group video call and invite family members to celebrate together.

Share Photos or Memories.

Photos are the best way to preserve special moments with loved ones. You can create a collage of meaningful pictures and share it with a heartfelt message.

Cook a Traditional Dish from Home.

Traditional food is one of the best ways to connect with your roots. Even if you’re far from your father, you can honor him by cooking his favorite dishes and remembering his presence.

With Común, Staying Close to Your Family Is Easier

In this article, we showed you when Father’s Day takes place in the U.S. and several Latin American countries, and offered ideas to celebrate from afar.

Your father is one of your strongest pillars of support. Likewise, Común is here to back you with the financial security you need.

Sending money to your father and other loved ones is something you should entrust only to a platform that understands the needs of immigrants in the United States.

Discover Común, the digital platform that allows you to send money from the U.S. to Latin America easily and with clear, fair fees. Best of all, you can open an account with a qualifying official ID from your home country.

At Común, we understand that love for your father transcends physical distance. With our financial tools, you can continue supporting your family with confidence—wherever you are.

Frequently Asked Questions (FAQ)

If you still have questions, take a look at the section below.

What Is Celebrated on June 17 in Mexico?

This is not an official holiday in Mexico, although it’s sometimes confused with Father’s Day celebrations in countries such as Guatemala or El Salvador.

When Is Father’s Day in Mexico in 2025?

This year, Father’s Day took place on Sunday, June 15.

How Can You Keep the Father’s Day Tradition Alive from Another Country?

You can choose to make video calls, send remittances or gifts, and express to your father how important he is in your life.

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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.

If you’re looking for a safe, simple way to manage your money, a digital wallet could be the ideal complement to your finances. It’s a mobile application that lets you bring together your cards and other financial products in one place.

In recent years, it has become a key tool for digital money management due to its convenience and security.

Below we explain in detail what a digital wallet is, common uses, advantages, and some examples of the most popular digital wallets in the United States.

What is a digital wallet and how does it work?

A digital wallet is an application for Android- or iOS-compatible devices that securely stores credit or debit card details, or bank account information and lets you access it quickly and safely to make digital payments and other transactions.

How it works is simple: you register your banking information in the app, where it’s encrypted to keep it secure and prevent third-party access. This lets you make electronic payments in seconds through several methods—scanning a QR code, using a smartphone with NFC technology, or selecting the digital wallet at checkout for online purchases.

There is a wide variety of digital wallets in the United States; the most popular include Apple Pay, Google Wallet, Samsung Pay, and PayPal.

Most common uses of a digital wallet

A digital wallet simplifies day-to-day transactions for the thousands of immigrants living in the United States. These are the most common uses of this type of tool:

Pay in-store and online

Using a digital wallet in a store is easy as long as the merchant accepts contactless payments. In that case, simply enable NFC on your phone and hold it near the payment terminal. The payment will process automatically without entering additional information.

To pay online, first make sure you’ve added your bank accounts to the wallet’s mobile app. Then go to the product or service page and choose your digital wallet as the payment option. You may be prompted to enter an authentication factor for security.

Send money to family and friends

Another common use of digital wallets—especially among immigrant users in the U.S.—is sending remittances quickly to their home countries. Depending on the app, these can be less costly than traditional banks.

Store cards and documents

A digital wallet is also a handy organizational tool for keeping not only financial products like debit and credit cards, but also other digital items such as transit cards, tickets, and discount coupons.

Manage your money better

These applications also make it easy to keep your finances organized, create monthly budgets, and stay on top of day-to-day transactions.

4 advantages of using a digital wallet

Managing your financial products with a digital wallet has several notable benefits that can completely change how you make digital payments.

1. Security: lower theft risk compared with carrying cash.

Carrying cash is always riskier than digital options because of loss or theft. A digital wallet removes the need to depend on cash and streamlines payments online and in physical stores.

In addition, your personal information is encrypted so only you can access it. You can also add app-level security like biometrics and passcodes, facial recognition, and Touch ID.

2. Convenience: everything is on your phone, without carrying multiple cards.

Beyond avoiding cash, a digital wallet also means you don’t need to carry physical cards everywhere—you can add your accounts in the digital wallet app and pay from your mobile device.

3. Financial inclusion: ideal for immigrants without easy access to traditional banks.

A common challenge for immigrants newly arrived in the United States is meeting the requirements to open a traditional bank account. In contrast, a digital account would be far more accessible option for everyday essentials like receiving money, paying bills, and sending remittances to Latin America quickly and easily.

4. Financial control: lets you review expenses and organize money more clearly.

With a digital account, you can more easily track your money by enabling notifications on your phone to stay aware of every payment.

It can also log all your transactions and help maintain a monthly budget to ensure your money covers your U.S. expenses while supporting family in Latin America.

Examples of popular digital wallets in the United States

• Apple Pay

This is Apple’s official payments service and is built into all its products by default, such as iPhone and Apple Watch. One major advantage is that more than 85% of merchants in the United States accept it.

Its wide acceptance makes it very convenient for immigrants, whether for everyday shopping or paying monthly bills.

It also offers Apple Cash, which functions like a digital card and allows sending and receiving money, but it’s only available in the United States.

• Google Wallet

This is a virtual wallet available to Android mobile users. It’s a more complete option than its predecessor Google Pay, with features such as tap-to-pay.

It’s very useful for immigrants because it also stores official documents like licenses and various IDs.

• PayPal

PayPal is one of the most popular digital wallets not only in the U.S. but worldwide. It lets you store payment information easily, and sending money to other countries is straightforward thanks to its wide coverage.

• Cash App

Cash App is an application that lets registered users send and receive money. It may be a suitable alternative if you need a debit card and ATM withdrawals.

Manage your money as an immigrant with Común 

In this article we showed you that a digital wallet is an application to store all your financial information in one place, plus the advantages, how they work, and the most popular brands in the United States.

If you want to simplify your finances, get to know Común, the platform that offers you:

• A checking account with clear, competitive fees.

• A debit card you can link to a digital wallet.

• Fast money transfers with affordable fees.

• Mobile banking available in Spanish and English

Open your Común account today with official ID from your country and start using your digital wallet to manage your money in the U.S.

Frequently asked questions

If you still have questions, see the section below.

What is the most reliable digital wallet?

You can choose options like Apple Pay, Google Wallet, and PayPal, as they have sufficient reputation for handling personal information.

How do I activate a digital wallet?

Download the application via Google Play or the App Store, create an account, add your cards, and complete the necessary verification.

Is it safe to use a digital wallet?

Yes, because they use encryption and tokenization to keep your information secure.

What is a certified check and how does it work?

Certified checks are a common form of payment for thousands of immigrants living in the United States, especially for major purchases such as rent payments, buying a car, and legal settlements.

However, it is not always clear why the certification process matters and how it differs from other types of checks.

A certified check is a physical payment order that has been reviewed in advance by a financial institution to ensure there are sufficient funds in the issuer’s bank account. This is the fundamental reason it’s considered a safer form of payment than a personal check.

Below, we explain in detail what a certified check is, how it works, and why it’s important to understand the differences from other types of checks.

What is a certified check?

A certified check is a type of check with guaranteed funds, since the issuing bank has verified the money exists in the checking or personal account.

This makes it a safer form of payment than personal checks, because the bank sets aside the amount to be paid so it can be collected by the payee.

How is a certified check issued?

Issuing a certified check is a straightforward process you can complete directly at the financial institution of your choice.

• The customer requests the check

The account holder must go to a bank and request a certified check, specifying the payee and the amount.

• Customer identification

You must present an official ID to verify that you are the holder of the savings or checking account from which the funds will be drawn.

• The bank freezes the amount in the account

The bank then certifies there are sufficient funds to cover the check and freezes them to ensure the payee can cash it.

• Signature certification

You must sign the check before finishing the process so the bank can confirm the signature matches the one on file.

Affixing the certification stamp

Finally, once the bank has verified the funds and the signature, it places a certification stamp to document completion of the process.

Differences between a certified check and a cashier’s check

A cashier’s check is another way to make secure payments using a physical instrument. In this case, the bank branch issues the check after receiving the customer’s payment, so the funds come from the bank itself.

Below is a comparison between a cashier’s check and a certified check.

Cashier’s check

Certified check

Security

High; the bank verifies sufficient funds and places a hold for the payee.

Very high; the check is backed by the bank and does not depend on the issuer’s account.

Cost

At some banks they have no cost at others up to approximately $15.

Depends on the bank; typically $10–$20.

Issuance time

At the branch, after funds are verified.

Immediate.

When is a certified check typically required?

A certified check is commonly used for significant transactions or large amounts. This gives the recipient assurance that funds are available.

• Paying an apartment security deposit.

When finalizing a lease or purchasing an apartment, the landlord or agent may request payment via certified check to guarantee funds.

• Buying a used car.

Whether dealing directly with owners or dealerships, a certified check can be a suitable option because of the security it provides.

• Closing an important contract or legal settlement.

For example, to pay fees, settlements, or indemnities, certified checks provide security for both parties.

• For tuition or school fees.

Some educational institutions accept certified checks as a form of payment, especially for international or first-time payments.

Do you know what to do if a check is stolen or lost? We explain it here!

Practical tips for using certified checks safely

While certified checks are among the safest payment methods due to the bank’s verification process, there are still fraud attempts using forged documents.

With this in mind, keep these tips in mind to avoid becoming a victim of check fraud.

How to know if a check has funds and avoid scams

• Verify with the issuing bank. 

Call the bank directly and provide the check number, account holder, and amount; ask them to confirm authenticity and that funds are guaranteed. Make sure you call the bank’s official number, not the one printed on the check.

• Be alert if you receive an overpayment check. 

A common scam is sending a check for more than the amount due and asking for the difference in cash. Confirm the check’s validity with the bank before proceeding.

• Wait for the check to clear before handing over any goods. 

Clearing can take 3–10 days. Make sure the funds have fully settled and are not just on hold.

• Avoid accepting checks from unknown parties. 

Whenever possible, accept checks only from people you trust. If you must take a check, follow the security measures above.

Manage your money securely with Común

In this article we explained what a certified check is, how it’s issued, how it differs from cashier’s checks, and how to use this payment method safely.

While certified checks can be a good payment option, a checking account in the U.S. is a much more secure and practical way to manage money.

Meet Común, your financial ally in the United States!

Send, receive, and cash money within and outside the United States. Our platform lets you move your money easily, quickly, and securely. You need a qualifying official ID from your country of origin to get started.

Open your account with Común today and discover a financial platform tailored to you.

Frequently Asked Questions (FAQ)

Where can I get a certified check in the United States?

You can request certified checks at financial institutions such as banks, credit unions, and some digital banks.

How much does it cost to get a certified check at the bank?

The cost depends on the bank but is typically between $10 and $15.

What other types of checks exist in the U.S. besides certified checks?

Other types of checks in the United States include: Money order; Personal check; Cashier’s check.

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If you’re looking for a feasible way to live and work in the United States, you should know the details of the EB-3 visa, a permit that offers skilled workers, professionals, and other unskilled workers the possibility of accessing various job opportunities in the country.

This visa is the most common route to live and work legally in the U.S. because, unlike the EB-2, it covers a broader range of profiles. It also facilitates obtaining permanent residence.

The application process is often somewhat confusing and slow. Therefore, here we explain what the EB-3 visa is, its requirements, the employer’s role, benefits, processing time, costs, and the step-by-step process to apply.

What is the EB-3 visa and who qualifies?

The EB-3 is a visa category for obtaining a Green Card through authorization granted to foreign workers who have a job offer issued by a U.S. employer.

In turn, this visa is divided into three main categories:

• Skilled workers: individuals with at least 2 years of job experience in a given field.

• Professionals: individuals with a university degree equivalent to a U.S. bachelor’s degree, whose positions require academic training.

• Other (unskilled) workers: roles requiring less than 2 years of experience—generally positions requiring steady labor.

For any of these subcategories, the employer plays a central role by filing the labor certification (PERM) with the Department of Labor to show that no U.S. workers are available to fill the job.

Main EB-3 visa requirements

The EB-3 visa has specific requirements depending on the subcategory. Below is a comparative table.

Regardless of subcategory, a permanent job offer in the United States is always required. The employer must also complete DOL-approved labor certification showing the need to hire a foreign worker for the position.

Next, Form I-140 (Immigrant Petition for Alien Worker) is filed, in which the employer asks USCIS to classify the worker under an EB-3 category.

For example, if a medical practice needs a physician, it files Form I-140 to substantiate the candidate’s experience.

Benefits of meeting EB-3 visa requirements

Obtaining an EB-3 work visa brings several advantages not only for the applicant but also for their family, for example:

• Job stability in the U.S.

An EB-3 visa allows you to secure lawful employment with a U.S. company, helping you achieve financial stability and a better quality of life for your family.

• Pathway to lawful permanent residence.

The EB-3 is also a route for your immediate family to obtain a family-based Green Card, allowing you and your family to live legally in the United States.

• Opportunities for professional and personal growth.

Building a life in the United States brings benefits such as access to higher wages, a broader job market, education for your children, Social Security, and more. This enables long-term financial planning to acquire property and services needed for your family’s well-being.

How to apply for the EB-3 visa step by step

Step 1. Determine eligibility

First determine which of the three categories fits your profile and verify that you meet the requirements based on your education level, work experience, and the type of job you’re applying for.

Step 2. Labor certification (PERM)

The employer must then file the labor certification (PERM) with the Department of Labor (DOL) to show no U.S. workers are available for the position and that the offered wage meets legal standards. This step is essential; without approval the process cannot proceed.

Step 3. File Form I-140

Once PERM is approved, the employer must file the I-140 petition with USCIS to confirm the job relationship and the company’s financial ability to pay the worker’s wage.

Step 4. Adjustment of status or consular processing

After I-140 approval, wait for visa availability in the Visa Bulletin, then proceed accordingly:

• Adjustment of status: if you’re already in the U.S., file Form I-485

• Consular processing: if you’re outside the U.S., file Form DS-260 through the National Visa Center and attend an interview.

Común supports your daily financial life in the U.S.

Here we’ve shown what the EB-3 visa is, the requirements for each subcategory, the benefits, and the application process.

As you start your new life in the U.S., make sure you have an ally who understands you.

Común is a financial platform that helps you manage your everyday needs in the United States. Through the Común mobile app and an intuitive platform, you can create your checking account with a qualifying official identification from your home country. It also makes sending remittances to Latin America, simple and transparent, with clear and competitive fees, up to the applicable limits.

Open your Común account today and start managing your money in the U.S.

Frequently Asked Questions (FAQ)

If you still have questions, see this section.

How long does the EB-3 process take?

The timeline varies with workload, but the full process is estimated at roughly 1 to 3 years.

How much does the EB-3 visa cost in the United States?

• Form I-140: $715

• Form I-485 (adjustment of status): $1,440

• Form DS-260 (consular processing): $325 per applicant

Can I include my family with the EB-3 visa?

You can include your spouse and unmarried children under 21 to apply for residence as derivative beneficiaries and obtain the Green Card at the same time.

Do I need a job offer to apply?

Yes, the EB-3 always requires a job offer, unlike the EB-2 NIW subcategory.