How to fill out a money order

A money order is a prepaid paper payment often used for rent, bills, or sending money securely through the mail. To fill one out correctly, you need to add the recipient's name, your information, sign the front, and keep the receipt for tracking or replacement purposes.

Money orders are still widely used in the United States, especially for situations where people need a secure paper payment method. Even in 2026, many landlords, utility companies, government offices, and individual recipients continue to accept or require money orders for certain payments.

For many people, especially immigrants, newcomers to the United States, or people without a traditional bank account, money orders can feel more accessible than personal checks. Filling out a money order incorrectly can cause delays, make the payment invalid, or create problems if the money order is lost. Knowing exactly what information to write and where to write it can help avoid unnecessary stress.

What is a money order?

A money order is a prepaid paper payment that works similarly to a check. Instead of drawing money directly from a bank account, you pay the full amount upfront when purchasing the money order.

Once completed, the money order can usually be:

• Mailed to a recipient
• Deposited into a bank account
• Cashed at approved locations

Because the payment is prepaid, money orders are often considered safer than mailing cash. Money orders are commonly used for:

• Rent payments
• Utility bills
• Government fees
• Payments sent through the mail
• Sending money to family members
• Situations where personal checks are not accepted

Most money orders also include a receipt or tracking number that can help verify whether the payment was cashed. Unlike many digital payment apps, money orders are not typically trackable in real time.

When to use a money order vs other options

Money orders can still make sense in certain situations, especially when:

• A landlord only accepts money orders
• You do not have a U.S. checking account
• You need to mail a secure payment
• The recipient does not use digital payment apps
• You do not want to share banking information

Where to buy a money order

USPS (United States Postal Service):

One of the most common places to buy money orders. Domestic money orders typically cost between $1.45 and $1.95. USPS money orders never expire.

Walmart:

Many Walmart locations offer money orders through MoneyGram services. Fees can be lower than traditional banks, although limits apply depending on the location.

Western Union:

Western Union locations also sell money orders. Some stores offer extended hours.

Banks and credit unions:

Some banks and credit unions issue money orders to account holders. Fees may vary depending on whether you already bank with the institution.

Step 1: Fill out the recipient's name

Write the recipient's full legal name in the "Pay to," "Pay to the Order of," or "Payee" section.

Tips:

• Write clearly using black or blue ink
• Double-check spelling
• Avoid nicknames unless specifically requested
• Do not leave this section blank

If the name is incorrect, the recipient may have trouble depositing or cashing the money order. Once the recipient's name is written, only that person should be able to cash or deposit the money order with valid identification.

Step 2: Fill out the sender's name and address

Write your own information in the purchaser or sender section. The form may ask for: full name, address, city and state, phone number. This helps identify who purchased the money order if there is a problem later.

Step 3: Sign the front and add a memo

Sign only where the purchaser or sender is instructed to sign on the front.

Do not sign the back.

The back is reserved for the recipient when they cash or deposit the money order.

Some money orders also include a memo or account number section. Examples: apartment number for rent, utility account number, invoice number, purpose of payment.

Step 4: Keep your receipt

The receipt usually contains: tracking information, serial number, purchase amount, date of purchase.

Keep the receipt until the money order has been cashed or deposited successfully. If the money order is lost, stolen, or delayed, the receipt may help you: request a replacement, verify whether it was cashed, contact customer support, file a claim.

Common mistakes to avoid

Leaving fields blank:

Fill out the money order completely before handing it over or mailing it.

Using incorrect recipient information:

Misspelled names or incorrect business information can delay the payment process.

Signing the back:

Only the recipient should sign the back of the money order.

Throwing away the receipt:

Always keep your receipt until the payment is confirmed.

Using pencil or unclear handwriting:

Use permanent ink and write clearly.

Mailing cash instead:

Money orders are generally safer than sending cash through the mail.

Alternatives to money orders (digital options)

Common digital alternatives include: Venmo, Cash App, bank transfers, debit card payment apps.

For people who regularly send money within the United States or to Latin America, Común offers digital transfer options through ComunPay.

ComunPay allows eligible users to send money using: payment links, QR codes, phone numbers, email addresses, usernames, debit cards. Unlike traditional mailed money orders, digital transfers inside apps can usually be tracked directly from the phone.

Común also offers international remittances to Latin America starting at $2.99.

Choosing the right payment option for your needs

Money orders continue to play an important role for many people in the United States, especially for rent payments, government forms, mailed payments, or situations where paper documentation is preferred. For everyday sending between family members, friends, or trusted contacts, digital payment tools may feel more practical and easier to track.

FAQ

How much does a money order cost?

Money orders typically cost between $1.45 and $10 depending on the issuer, amount, and location. USPS money orders commonly range from $1.45 to $1.95.

Can a money order be cashed by anyone?

No. Once the recipient's name is written, only that person should be able to cash or deposit it with valid identification.

How long is a money order valid?

Many money orders do not expire. USPS money orders do not expire.

What happens if I make a mistake on a money order?

Avoid crossing information out. Contact the issuer about replacement options.

Can I track a money order?

You can usually verify whether it was cashed by contacting the issuer with your receipt information.

What is a digital alternative to a money order?

Venmo, Cash App and ComunPay for peer-to-peer transfers. Común also offers international remittances to Latin America starting at $2.99.

Común is a financial technology company and not a bank. Banking services are provided by Community Federal Savings Bank, Member FDIC. The Común Visa® Debit Card is issued by Community Federal Savings Bank. 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.

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Like most financial apps that don't charge a monthly fee, Común generates revenue mainly through interchange fees (a small fee paid by the merchant, not you, every time you use your debit card) and international remittance fees.

If Común doesn't charge a monthly fee, how does it make money?

Mainly through interchange fees — a small fee the merchant pays (not the user) every time the debit card is used — and international remittance fees, which start at $2.99 per transfer.

Does this mean using Común is "free"?

Using your checking account (no monthly fee, no minimum balance) is at no cost to you. International remittances do have a fee, shown transparently before you confirm each transfer.

Why does it matter to understand how your financial provider makes money?

Understanding the business model helps confirm incentives are aligned — a provider that earns from interchange fees benefits from you using your card, not from charging you hidden fees.

Frequently asked questions

Does Común charge any hidden fees if there's no monthly fee?

No, using the checking account is at no cost; the only visible fee is for international remittances, shown before you confirm.

What's an interchange fee?

It's a small fee the merchant pays to the payment network (Visa) every time a customer uses their debit card — the user doesn't pay it.

Does Común make money from my remittances?

Yes, remittance fees (starting at $2.99) are one revenue source, shown transparently before each transfer.

Why do some banks charge a monthly fee and Común doesn't?

It depends on each institution's business model; Común relies more on interchange and remittance fees than account fees.

Does this affect the safety of my money?

No, your money is FDIC-protected up to $250,000 through Community Federal Savings Bank, regardless of Común's revenue model.

Where can I see exact fees before using them?

The app shows applicable fees (like remittance fees) before you confirm any transaction.

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

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

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

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

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

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

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

What Is Required to Make a Western Union Money Transfer?

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

Comparison Between Western Union and Comun

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

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

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

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

Sending Money Online with Western Union

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

Log in or register on their platform

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

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

Select destination country and amount

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

Choose payment method

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

Enter recipient information

Make sure to enter the recipient’s details correctly.

Confirm and obtain the tracking number (MTCN)

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

Sending Money to a Western Union Agency

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

Locate a nearby agency

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

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

Fill out the sending form

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

Submit payment and fees to the agent

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

Receive the tracking number (MTCN)

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

Advantages and Disadvantages of Using Western Union for Remittances

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

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

Advantages

Extensive global coverage and physical presence

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

Fast cash transfers

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

Brand recognition and established history

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

Disadvantages

High fees

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

Uncompetitive exchange rate

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

Sending limits

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

Lack of transparency in fee structure

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

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

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

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

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

Additionally, it offers:

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

Open your Comun account today.

Frequently Asked Questions

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

Can I send money to myself through Western Union?

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

Why can’t I send money through Western Union?

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

How much does Western Union charge to send money?

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

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Starting a new school year in the United States can involve several administrative and financial tasks. Enrollment requirements, school supply lists, transportation arrangements, meal programs, and extracurricular activities can vary between districts and schools.

For many immigrant families, the process may also involve adapting to a school system that works differently from those in Mexico, Colombia, Guatemala, El Salvador, Honduras, and other countries. Understanding how schools operate, what documents are typically required, and how to prepare financially can make the transition smoother.

This guide explains what to expect during the back to school season in the U.S., how school enrollment works, what supplies children may need, and how to prepare for the school year with confidence.

When does the school year start in the U.S.?

Unlike some countries that follow a national academic calendar, school start dates in the United States are generally determined by states, school districts, and local education authorities.

Most public schools begin classes between early August and early September.

The table below shows common start periods for several major states during the 2026 school year.

Source: https://us-school-calendar.com/first-day-of-school-2026

The school year generally runs from August or September through May or June. Winter break, spring break, teacher workdays, and holidays are scheduled throughout the year.

Because school calendars can differ even within the same city, families should always verify dates directly with the local school district.

What differentiates the U.S. school system from those in Latin America?

One of the most noticeable differences is the strong role of local school districts. Curriculum decisions, school calendars, transportation policies, and enrollment procedures can vary from one district to another.

Schools are generally organized into:

• Elementary school
• Middle school or junior high school
• High school

Grade levels may differ slightly depending on the district.

Another difference involves parental communication. Schools frequently use online portals, email notifications, text messages, and mobile applications to share grades, attendance records, schedules, and announcements.

Parents may also encounter:

• Parent-teacher conferences
• School volunteer opportunities
• Individual learning plans
• English language support services
• After-school activities and sports programs

Students who arrive from another country may qualify for English learner services designed to support language development while continuing their academic education.

How to enroll your children: documents and process

Most public schools ask families to provide documents during enrollment that are typically used to confirm a child's age, home address, vaccination history, and prior education.

Commonly requested documents include:

• Birth certificate
• Passport
• Proof of address
• Immunization records
• Previous school records or transcripts when available
• Parent or guardian identification

Enrollment can be completed online, in person, or through a district enrollment center.

One of the most important facts for immigrant families to understand is that children have a constitutional right to attend public elementary and secondary schools regardless of their immigration status. This protection comes from the U.S. Supreme Court decision in Plyler v. Doe

As a result, public schools generally cannot deny enrollment solely because a child or parent lacks immigration documentation.

School districts may still request documents that establish residency within the district and verify a child's age, but immigration status is not a requirement for access to public education.

Families who recently arrived in the United States and do not yet have all prior school records should contact the district directly. Many schools have procedures for assisting students during the enrollment process while records are being obtained.

The U.S. school supply list: what to expect and how to optimize spending

School supply requirements in the United States are often determined by individual schools or teachers rather than a national standard. In addition to notebooks and pencils, families may be asked to provide classroom supplies such as tissues, disinfecting wipes, folders, headphones, calculators, or art materials depending on the grade level. Unlike some countries like Mexico's Becas Benito Juárez, children in the U.S. do not receive cash stipends for school supplies.

Teachers often publish detailed lists before the school year begins. Depending on the grade level, families may be asked to purchase:

• Notebooks
• Folders
• Pencils and pens
• Colored pencils
• Markers
• Glue sticks
• Scissors
• Tissues
• Hand sanitizer
• Backpacks
• Calculators
• Headphones or earbuds

Some classrooms also request community supplies that are shared among students.

When it comes to school supplies, the costs can add up quickly. However there are some strategies that may help reduce expenses:

• Compare prices across multiple retailers
• Purchase supplies gradually during summer sales
• Reuse items that remain in good condition from the previous year
• Check whether local organizations distribute supplies at no cost
• Review teacher lists carefully before making purchases

Some teachers provide additional guidance during the first weeks of school.

How to budget for back to school as an immigrant family

The total cost of a school year is often easier to manage when families plan for it as an ongoing expense rather than isolated expenses. A budget that covers the entire academic year can help reduce unexpected financial pressure.

When preparing a back to school budget, families may also need to consider:

• Transportation
• School meals
• Uniforms when required
• Sports participation fees
• Extracurricular activities
• Technology expenses
• Field trips
• Childcare before or after school

Creating a seasonal budget can make these expenses easier to manage. A useful approach can be to divide costs into three main categories:

Enrollment expenses

These may include uniforms, school supplies, and transportation arrangements before classes begin.

Monthly school expenses

Lunch money, transportation, activity fees, and classroom contributions that continue throughout the year.

Unexpected expenses

Field trips, special projects, replacement supplies, and school events can appear with limited notice.

Considering those three categories can help families avoid relying on emergency funds during the school year. However, it is always important to consider your context and plan according to your own needs.

School support programs for immigrant families

Accessing available school support programs can help reduce some of the challenges families face during the academic year. School districts frequently partner with local organizations to provide services that support student success both inside and outside the classroom. These resources can help families navigate academic, language, and financial barriers that may arise during the school year.

Available resources vary by location but may include:

School meal programs

Eligible students may qualify for breakfast and lunch programs offered through their school district.

English learning services

Students developing English skills may receive language instruction and academic support.

After-school programs

Schools, community centers, and nonprofit organizations often provide academic enrichment and recreational activities.

School supply assistance

Some districts, churches, and community organizations distribute backpacks and school supplies before the academic year begins.

Family resource centers

Certain districts maintain offices that help families access educational resources, translation services, and community support programs.

These programs are designed to help students participate fully in school regardless of their family's circumstances. Checking what is available locally can help families take advantage of resources that support learning, nutrition, and school involvement.

How Común helps you manage school year expenses

Back-to-school season can involve a wide range of financial responsibilities. School supplies, transportation costs, lunch expenses, extracurricular activities, and classroom contributions can create recurring expenses throughout the year.

For families who also support relatives abroad, the back-to-school season may extend beyond the United States. Some immigrants may contribute to support the educational expenses for children back home.

Común offers remittance services that allow eligible customers to send money to Latin America directly through the app, with fees starting at $2.99.

For everyday financial management, eligible customers can open an account using an ITIN, a passport, or more than 100 accepted Latin American IDs. Común also offers features that can help families manage school-year spending, including direct deposit, debit card access, and customer support in Spanish through the app with no mínimum balance requirements or monthly maintenance fees.

For group expenses such as field trips, classroom activities, sports teams, or shared school purchases, ComunPay can help parents collect and send payments directly from the app.

This school year, organizing expenses in one place can make it easier to track spending, support family members, and prepare for school-related costs throughout the year.

FAQ

Do I need immigration documents to enroll my children in school?

Public schools cannot deny enrollment solely because of a child's or parent's immigration status. School districts commonly request proof of age, residency, and immunization records, but immigration documentation is generally not required for enrollment.

When does the school year start in the U.S.?

Most schools begin classes between early August and early September. Exact dates vary by state, district, and school system.

Are school supply lists longer in the U.S. than in Latin America?

It depends. Teachers often provide detailed lists that may include classroom supplies, technology accessories, and shared materials used throughout the school year.

What vaccinations do my children need to enter school in the U.S.?

Vaccination requirements vary by state and school district. Schools typically provide a list of required immunizations during enrollment, and additional guidance may be available through local health departments.

How can I help my children with the language if they don't speak English when they arrive?

Many public schools offer English learning programs that provide language support while students continue learning grade-level subjects. Additional tutoring and community programs may also be available locally.

Are there financial aid programs for school supplies for low-income families?

Some school districts, nonprofit organizations, religious institutions, and community groups distribute school supplies or provide financial assistance before the academic year begins. Availability depends on the location and program requirements.

The Global Impact of Mobile Money Transfer Apps

Money transfer apps have significantly altered the global remittance landscape, offering an accessible and efficient way for people to send money across borders. These apps have democratized financial services, especially in regions where traditional banking infrastructure is weak. By leveraging mobile technology, remittance services have become more inclusive, reaching remote and underserved communities.

Key Benefits

Accessibility: Money transfer apps are accessible to anyone with a smartphone and an internet connection, with no need for a physical bank.

Cost Efficiency: These apps often offer lower transaction fees compared to traditional remittance services, making it more affordable to send money internationally.

Speed: Transfers process almost instantly, reducing wait times for recipients.

Security: Advanced encryption methods and secure access provide robust protection against fraud and theft.

Impact of Mobile Money Apps on International Remittances

Mobile money apps have had a profound impact on international remittance flows. By simplifying the transfer process, these apps have increased the volume of remittances sent globally.

Accessibility and Financial Inclusion

One of mobile money apps' most significant contributions to international remittances is their role in promoting financial inclusion. Many remittance recipients in developing countries don't have access to traditional banking services. However, with the widespread adoption of mobile phones, even in remote areas, these people can now receive money directly into their mobile wallets. This not only eliminates the need for physical bank branches, but also provides a safe and convenient way for recipients to access their funds.

Reducing Transaction Costs

Another key impact of money apps on remittances is reducing transaction costs. Traditional remittance methods often involve high fees charged by banks and money transfer operators. These fees can eat into the funds sent, particularly for smaller amounts. Mobile money apps, on the other hand, generally offer lower fees, making it more affordable for migrants to send money to their families. By lowering the cost of remittances, these apps let migrants send larger amounts of money, increasing the total volume of remittances reaching recipient countries.

Speed and Convenience

Mobile money apps also offer unmatched speed and convenience compared to traditional remittance methods. Transactions can be initiated and completed in minutes, letting recipients access funds almost instantly. This is particularly beneficial in emergency situations, where quick access to funds can make a significant difference in a recipient's quality of life. Plus, the convenience of mobile money apps means migrants can send money anytime, from anywhere, without having to visit a physical location or work around bank or money transfer agent hours.

Empowering Recipients

Beyond the immediate financial benefits, mobile money apps empower recipients by giving them greater control over their finances. With funds deposited directly into their mobile wallets, recipients have the flexibility to use the money however they see fit, whether for daily expenses, savings, or investments. This financial autonomy can contribute to long-term economic stability and resilience, since recipients are better equipped to weather financial shocks and pursue opportunities for personal and economic growth.

More Stable Than Capital Flows

Remittances have proven to be more stable than other forms of financial inflows, like foreign direct investment (FDI) or portfolio investments.

Reasons for Stability

• Personal Nature: Remittances are usually sent for personal reasons, like supporting family members, making them less susceptible to economic fluctuations.
• Resilience: During economic downturns or crises, migrants often increase remittances to support their families, providing a steady flow of funds.

High Transaction Costs

Despite the advantages, high transaction costs remain a challenge in the remittance industry. Traditional services can charge fees ranging from 7% to 10% of the total amount sent, which is a significant burden for lower-income workers.

Efforts to Reduce Costs

• Regulatory Changes: Governments and international organizations are working to implement policies that reduce transaction fees.
• Technological Innovation: Advances in fintech, including blockchain and cryptocurrency, are helping reduce costs by cutting out intermediaries.

In short, the impact of mobile money apps on international remittances is multifaceted, spanning greater accessibility, lower transaction costs, increased speed and convenience, and recipient empowerment. As these apps continue to evolve and innovate, their role in facilitating cross-border transactions and promoting financial inclusion will likely become even more pronounced, further transforming the global remittance landscape for the better.

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What to Consider When Sending Remittances

Sending remittances through mobile money apps offers convenience and efficiency, but it's essential to consider several factors to ensure a smooth, cost-effective transaction.

1. Fees: Compare the fees charged by different money transfer apps to find the most affordable option. While some apps may offer low upfront fees, they may make up for it with less favorable exchange rates.
2. Exchange Rates: Exchange rates can vary significantly between different money transfer apps and fluctuate throughout the day. Look for apps that offer competitive exchange rates to maximize the amount the recipient receives.
3. Transfer Speed: Consider how quickly you need the money to reach the recipient. While many mobile money apps offer near-instant transfers in minutes, others may take longer, especially for transfers to remote areas or during periods of high transaction demand.
4. Security Features: Make sure the money transfer app you choose has robust security measures to protect your funds and personal information. Look for features like two-factor authentication, encryption protocols, and fraud detection systems.
5. Accessibility: Consider the app's accessibility for both sender and recipient. Choose an app that's easy to use and available in the languages spoken by both parties. Verify that the recipient can easily access the transferred funds, whether through a mobile wallet, bank account, or cash pickup location.
6. Customer Support: Evaluate the customer support options provided by the money transfer app. Look for apps that offer responsive customer service channels, like phone support, live chat, or email.
7. Reviews and Reputation: Research the money transfer app's reputation by reading reviews from other users and independent review platforms. Pay attention to feedback on reliability, transaction speed, customer service, and overall user experience. Choose a reputable app with a track record of safe, efficient money transfers to minimize the risk of issues.
8. Regulatory Compliance: Make sure the money transfer app complies with relevant regulations and legal requirements in both the sender's and recipient's countries. Verify that the app follows anti-money laundering (AML) and know-your-customer (KYC) procedures to prevent illicit financial activity.

Sending the Money

Sending money through mobile apps is a straightforward process, but understanding the steps can help ensure a successful transaction.

Steps to Send Money

• Choose an App: Select a reliable money transfer app based on your needs.
• Set Up an Account: Sign up and verify your account with the necessary ID documents.
• Enter Transfer Details: Enter the recipient's information and the amount to send.
• Review and Confirm: Verify the details and confirm the transaction.
• Notification: Both sender and recipient typically receive notifications once the transfer is complete.

By carefully considering these factors when sending remittances through mobile money apps, you can ensure a smooth, cost-effective transfer experience while providing vital support to your loved ones across borders.

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In the mobile remittance landscape, Común stands out as an emerging player, particularly serving the needs of the immigrant community in the United States¹. Recognizing the challenges immigrants face in accessing reliable financial services and building wealth in the U.S., Común has positioned itself as a solutions-oriented platform aimed at lowering barriers to entry and accelerating integration with the digital economy.

Let's Start With the Problem:

Living in the United States as a foreigner presents numerous challenges, made worse by a financial system that often overlooks immigrant communities' needs. Reliable financial services are essential for building wealth, yet millions of immigrants find themselves excluded from mainstream banking and financial opportunities.

Barriers to Entry:

• Documents: Immigrants are often less likely to have Social Security numbers (SSNs), a common requirement for accessing financial services.
• Language: Many financial institutions lack Spanish-language services, creating a communication barrier for Spanish-speaking immigrant customers.
• Cost: Financial services aimed at immigrants often come with exploitative pricing, further widening the economic gap.

Addressing the Structural Opportunity Gap:

Común recognizes the structural opportunity gap facing the immigrant community and aims to address it through innovative solutions tailored to their needs.

Común's Solution:

• Your Documents: Común is one of the only platforms that lets users apply with more than 100 Latin American IDs, removing the barrier posed by not having an SSN.
• Your Language: Común provides 100% bilingual customer service, with native Spanish speakers available 24/7 via chat, email, or phone, ensuring effective communication and support.
• Your Neighborhood: Común offers a network of thousands of locations for cash deposits and withdrawals, making financial transactions convenient and accessible for users.

Facts About Global Migration

Understanding the dynamics of global migration is essential to grasping the complexities of remittances and their impact on world economies. Here are key facts that shed light on the intricate relationship between migration and remittances:

• Global Migration Trends: Migration patterns have shifted over the past decade, with significant movements of people across regions and continents driven by factors like economic opportunity, conflict, and climate change.
• Top Remittance-Receiving Countries: Some countries receive the largest remittance inflows, often coinciding with regions facing economic challenges or political instability. Countries like India, China, and Mexico are among the top global remittance recipients.
• Top Remittance-Sending Countries: On the other hand, there are countries where most remittances originate, reflecting diaspora efforts to support family members and contribute to development in their countries of origin. The United States, Saudi Arabia, and the United Arab Emirates are prominent remittance-sending countries.
• Economic Impact of Remittances: Remittances play a crucial role in recipient countries' economies, contributing to GDP growth, poverty reduction, and increased household income. In many developing countries, remittances make up a significant share of national income.
• Cost of Sending Remittances: Despite their economic importance, sending remittances can be costly for migrants, with fees charged by money transfer operators and banks often eating into the funds sent. Efforts to reduce remittance costs are underway, aimed at maximizing benefits for senders and recipients.
• Remittance Growth Over Time: Global remittance volumes have been steadily increasing over the years, reflecting the growing number of migrants and the expansion of remittance corridors. This growth underscores the importance of remittances as a lifeline for millions of families worldwide.
• Migrant Contributions to Host Economies: Migrants don't just send money back to their home countries — they also contribute to their host countries' economies through labor participation, entrepreneurship, and consumer spending. Their contributions enrich cultural diversity and drive innovation and economic growth.
• Impact of Technology on Remittances: Technological advances, including the rise of mobile money apps and blockchain technology, have revolutionized the remittance industry, making transfers faster, cheaper, and more accessible. These innovations have empowered both migrants and recipients, letting them bypass traditional banking systems and intermediaries.
• Future Projections: Projections indicate continued growth in global migration and remittance flows, driven by demographic shifts, economic disparities, and geopolitical developments. Understanding these trends is essential for policymakers, financial institutions, and stakeholders to shape policies and initiatives that harness the positive impact of remittances while addressing challenges and barriers to access.

By recognizing the importance of migration and remittances, we can work toward building inclusive, sustainable financial systems that benefit individuals, families, and communities around the world.

Conclusion

In conclusion, money transfer apps have revolutionized global remittances, offering convenience, affordability, and accessibility. They close the gap between senders and recipients, empowering migrants and supporting families worldwide. As technology advances and regulations evolve, these apps will continue to shape the remittance landscape, fostering financial inclusion and economic growth. By embracing innovation and collaboration, we can harness the transformative power of mobile money apps to create a more equitable, prosperous global economy.

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Unrecognized charge on my debit card: What to do in the United States?

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.

What is an 'unrecognized' vs 'unauthorized' charge?

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.

How can I identify a suspicious charge?

Checklist for an unrecognized debit card charge:

• Review the merchant name carefully — many businesses process payments under a parent company or billing processor that looks unfamiliar
• Check the transaction date — some charges appear several days after the original purchase
• Look for recurring subscriptions — streaming platforms, delivery apps, gyms, and trial memberships commonly renew automatically
• Verify the location — some online merchants process payments from another state or country even when the transaction was legitimate
• Ask family members — a spouse, child, roommate, or trusted person could have used the card
• Watch for small 'test' charges — fraudsters sometimes attempt small transactions before attempting larger purchases

What to do right away if you notice an unauthorized charge?

1. Lock your card immediately

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.

2. Report the transaction to your financial service provider

Reporting a potentially unauthorized transaction promptly helps preserve certain protections available under applicable law. If you use Común, you can contact support through:

• In-app chat
• Email: ayuda@comun.app
• WhatsApp: +1 646 600 5660

When reporting the transaction, try to include: the transaction amount, merchant name, transaction date, and why you believe the charge is unauthorized.

3. Document everything

Take screenshots and save records of suspicious transactions, text alerts or emails, merchant communications, and subscription cancellation confirmations.

4. Change passwords and security settings

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.

5. File a police report if appropriate

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.

Your rights as a US Debit Cardholder

Debit card protections in the United States are primarily governed by the Electronic Fund Transfer Act (EFTA) and Regulation E.

What is the 'Visa Zero Liability' policy?

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:

• Protection scope: may apply to certain unauthorized transactions involving lost, stolen, or fraudulently used cards
• No enrollment necessary: the policy applies automatically to eligible Visa cards without requiring special sign-up
• Prompt reporting: to qualify, you must promptly report potentially unauthorized transactions to your financial institution
• Limitations and exclusions: certain transactions, including commercial card or anonymous prepaid card transactions, may not be covered

How does the Común dispute process work?

Once you report an unrecognized or potentially unauthorized debit card transaction to Común, the investigation process may include several stages. Typical timelines may include:

• Initial review beginning within approximately 2 business days
• Potential provisional credit within applicable regulatory timeframes for qualifying disputes
• Extended investigations in certain situations
• Visa dispute or arbitration processes that may take up to approximately 90 days in some cases

What is not covered?

Some situations may not qualify as unauthorized transactions under Regulation E or Visa Zero Liability protections:

• Charges made by family or friends who had access to your card or account
• Transactions you approved but later disputed due to dissatisfaction
• Wallet-only customers without a Común debit card
• ComúnPay P2P transactions funded through external debit cards
• Cases involving negligence or false claims

How can I help prevent unauthorized charges?

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.

FAQ

What is an unrecognized charge on my debit card?

An unrecognized charge is a transaction you do not immediately recognize on your account. It does not always mean fraud occurred.

How long do I have to report an unrecognized charge?

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.

Will I get my money back if I report an unauthorized charge?

It depends on the investigation results and whether the transaction qualifies as unauthorized. In some qualifying cases, consumers may receive reimbursement or provisional credit.

What happens if I let a family member use my card?

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.

How long does Común take to resolve a dispute?

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.

Final thoughts

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.

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

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

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

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

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

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

There are two routes to obtain this visa:

• With an employer sponsor:

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

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

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

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

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

• It puts you on a path to permanent residence.

• It does not rely on capped lotteries.

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

Differences among the main U.S. employment visas

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

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

EB-2 | EB-3 | EB-5

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

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

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

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

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

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

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

These are requirements you cannot overlook:

Requirements via advanced academic degree

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

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

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

Requirements via exceptional ability

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

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

• Recognitions: achievements, distinctions, and awards received.

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

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

National Interest Waiver (NIW)

Allows applying without a sponsor or labor certification.

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

• The endeavor has substantial merit.

• It has national importance for the United States.

• The applicant is well positioned to advance it.

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

How to apply for the EB-2 visa

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

Determine eligibility

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

File the initial petition

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

Adjustment of status or consular processing

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

Interview and final decision

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

Once in the United States, open your account with Común

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

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

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

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

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

Frequently Asked Questions (FAQ)

If you still have questions, see this section:

Can I include my family in the application?

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

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

• I-140 (Immigrant Petition): $715.

• I-485: $1,440.

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

What if my visa is denied?

You can file an appeal or start a new application.

What is a bank account number and understanding bank account numbers: A 2026 guide for immigrants

If you recently opened your first bank account in the U.S. or received account and routing numbers you do not fully understand, learning what these numbers mean can make everyday banking much easier. These numbers are commonly used for direct deposits, tax refunds, ACH transfers, and automatic bill payments.

Your bank account number works as the identifier for your personal account within the banking system. Combined with your routing number, it helps employers, government agencies, and payment platforms send money to the correct place securely.

What is a bank account number?

A bank account number is a unique sequence of digits assigned to an account holder by a financial institution. It functions much like a physical address for your account within the broader banking network, distinguishing your account from others and ensuring that transactions are accurately processed.

Structure of a bank account number

The format of bank account numbers varies by financial institution, but generally includes several key components:

• Bank code/institution number: identifies the financial institution
• Branch code/sort code: identifies the specific branch where the account was opened
• Account number: the unique identifier for your personal account
• Check digits: help detect typing errors

What is the bank account number used for?

• Payroll direct deposits
• IRS tax refunds
• ACH transfers between banks
• Automatic bill payments
• Identity verification with financial institutions

Account number vs. routing number: what is the difference?

Routing number:

A 9-digit code that identifies the bank or financial institution. It is the same for all customers at the same bank.

Account number:

Unique to your specific account. No one else at the bank has the same account number as you.

When setting up a direct deposit, you generally need to provide BOTH: your bank's routing number and your personal account number.

Where do you find your account number?

• On your checkbook checks (bottom section)
• In your bank's mobile app (account information section)
• On bank statements
• By contacting your bank's customer service

How to protect your account number

• Share it only with trusted entities like your employer or the IRS
• Monitor your account regularly for unauthorized activity
• Do not post it on social media or unsecured emails
• If you suspect your account number was compromised, contact your bank immediately

FAQ

Does my account number change if I lose my debit card?

Generally no. Your card number is different from your bank account number. When you lose your card, the bank issues a new card with a different number but your bank account number generally remains the same.

Can I have more than one account number at the same bank?

Yes. If you have multiple accounts (e.g., checking and savings) at the same institution, each account has its own unique number but they will share the same routing number.

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

Do you really know what remittances are? They are international money transfers made by people living and working abroad to family members or recipients in their home country.

For Latin American immigrants living in the United States, sending remittances is a crucial matter, as is having efficient financial services that allow them to send money to their families and friends quickly, safely, and at low cost.

According to recent sources, the flow of remittances from Mexico to the United States fell 12.4% year over year, which is attributed to recent immigration measures imposed by that country. For this reason, it is important that migrants have international money transfer services that understand their needs.

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Why Do People Send Remittances?

For the families of migrant workers in the United States, remittances represent much more than a simple transfer of money, as they often become the main support for millions of people in Latin America.

These Are the Main Reasons to Send Remittances:

Household expense support (rent, utilities, food)

This category includes basic expenses such as food, rent, utility payments, and everything related to daily costs, highlighting the importance of remittances for recipient families.

Education and study tools

Includes payment of tuition, school supplies, transportation, preschool fees, and computing tools such as laptops or desktop computers.

Health and family emergencies

If any family member requires specialized medical care, remittances play a central role in covering hospitalization, medications, treatments, and more.

Targeted savings (e.g., family home improvements)

It is also common for migrants to use remittances to build or renovate their family homes, thereby improving their quality of life.

Unexpected expenses during travel or temporary stays

Remittances may also be useful to cover unexpected travel expenses, related to unforeseen illnesses, flight cancellations, or unplanned charges.

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How Do Remittances Work and What Options Exist?

Currently, there are several remittance service options you can rely on to send money to your relatives.

Traditional banks, such as Bank of America and Wells Fargo, allow you to make remittance transfers through their digital banking services or directly at branches.

There are also specialized sending agencies, such as Western Union, one of the most widely used and longest-standing remittance services in the United States, with a global presence in more than 200 countries.

The information that traditional banks and agencies will generally require to send money includes:

• Beneficiary’s full name

• Beneficiary’s account number

• SWIFT code

• Receiving country

• Amount and currency

Finally, you can choose digital platforms, which allow you to send money through mobile apps and, in general, offer more competitive options regarding costs and delivery times.

Común is one of these platforms, integrating the fintech experience with various benefits, such as a digital account and an easy to use mobile app, that is available in Spanish. Común accepts more than 100 qualified official IDs from your country of origin to open an account and offers different options for receiving money: into a local bank account or cash pickup. With Común, send money to your relatives for clear and competitive rates, from $2.99 ​​USD and send up to applicable limits.

These Are the Characteristics of Each Available Remittance Sending Option:

Traditional Banks

Traditional banks are a safe option to send money through wire transfer. The advantage is that they are fully established institutions in the U.S. financial system.

However, they have certain limitations, such as high fees, which can reach 60 USD depending on the bank. Additionally, transfers also tend to be slower, taking up to 5 business days.

To access this service, it is necessary to open a bank account at a traditional U.S. bank, or resort to sending cash directly at a branch.

Money Sending Agencies

Specialized agencies for international money transfer, such as Western Union, are also a reliable alternative you can use.

However, fees are usually high and exchange rates less competitive, similar to traditional banks. Although delivery times tend to be shorter.

Digital Platforms

If you are looking for an option to make international bank transfers, digital platforms are a great option. In addition to more accessible opening requirements, they offer far more competitive fees compared to the two previous alternatives.

Remember that Común offers you a comprehensive digital platform to connect with your loved ones in a simple and fair way.

Costs, Timeframes, and How to Save When Sending Remittances

The cost of sending remittances depends on three main factors:

• Sending fee: this is the commission charged by the provider for offering its sending services. This amount varies depending on the method, amount, receiving country, and involvement of intermediaries. The fee may be variable or fixed. One option is to choose a service with a fixed fee, to avoid paying more than expected.

• Exchange rate: a common practice among remittance services is not using the real market exchange rate, but adding a margin that reduces the total amount to be received.

For example, if the dollar price is 18 Mexican pesos, and the remittance service offers it at 17.50, when sending 500 USD, the total amount to be received will be reduced by 250 pesos.

• Possible charges to the recipient: Some traditional banks may charge fees for receiving transfers from foreign countries, so it is important to also verify the recipient’s conditions.

Good Savings Practices for Sending Remittances

To ensure your family receives the maximum amount possible, we recommend following these tips.

Check if there are margins in the exchange rate

The ideal choice is a provider that uses the real exchange rate or as close as possible. Otherwise, your recipient will receive a significantly smaller amount.

Prefer fixed and transparent fees

Understanding sending fees can be confusing, since several services use ranges that vary according to numerous criteria. The recommended approach is to look for a provider that offers fixed fees and with no hidden costs.

Always compare the amount received (not just the fee)

Remember that, in addition to the sending fee, you must consider the exchange rate and how much the amount to be received is reduced after applying this margin.

Avoid data errors to prevent delivery delays

Check your recipient’s information and make sure it is written correctly.

Consider the sending time and holidays in both countries

In many cases, transfers may be delayed if they are made on weekends or on holidays in either country.

Use platforms with support available in Spanish to resolve questions quickly

It is important to choose a service capable of answering your questions in your language and understanding your needs as a migrant.

Get Ready to Start Sending Remittances with Común

Every month, millions of dollars are sent from the United States to Latin America, representing an emotional and financial bridge between immigrant families and their homes, for whom remittances are a primary source of income.

Before choosing a remittance service, don’t forget to check the total amount your household will receive, considering the fee, exchange rate, and possible receiving charges. We recommend choosing a financial solution with transparent costs, support available in Spanish, and you can open your account with qualifying official ID from your country of origin.

Discover Común, the comprehensive platform that offers you low fees, with fees starting from $2.99, and send up to the applicable limits, and support available in Spanish. Open your account today and connect with your loved ones, send them money transparently.

Frequently Asked Questions (FAQ)

What happens if I don’t claim a remittance?

Remittances usually have a validity period established by the provider. Once that period expires, the money is not lost but the transaction may be canceled. In such cases, the sender may reissue it or request a refund depending on the provider’s policies.

What is the difference between a remittance and a transfer?

The main difference between the two lies in their intended purpose. Remittances are money transfers with a personal motive, commonly used to send money to relatives in other countries, whereas the purpose of a bank transfer can vary, ranging from commercial to personal payments, among others.

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.

A bank account is a financial account a customer holds at a bank. A bank account lets customers deposit and withdraw money, as well as write checks. That's why it's also called a checking account.

The advantages of having a bank account include:

• Easy access to your money — 24/7 banking access through the bank's website or app
• No need to carry cash
• The ability to earn interest on your deposits
• Building a credit history, which can matter when you want to apply for a loan in the future

How Do You Open a Bank Account?

Opening a bank account is relatively easy. You'll need to provide some personal information, like your name, date of birth, and address. You'll also be asked for ID — usually a Social Security Number (SSN) is enough. More modern banks, like Común, let you replace your SSN with a passport or consular ID. You may also be asked for documentation proving your address.

The Different Types of Bank Accounts Available

There are different bank accounts to choose from. The most common type is the checking account, which lets you deposit and withdraw money and write checks. A checking account is a great option if you want easy access to your money without carrying cash, since your account's debit card lets you pay at any business.

Another common type of bank account is the savings account. Savings accounts let you save money and earn interest on your deposits. It's a great option if you want to build up your savings over time.

There are also several specialized bank accounts, like accounts for students, seniors, and businesses. Be sure to research the different bank accounts available and choose the one that best fits your needs.

How to Manage a Checking Account Online

Many bank customers choose to manage their bank account online. You can do this through the bank's website or app. Managing your bank account online lets you access it 24 hours a day, 7 days a week.

Some things you can do online include:

• View your account balance and transaction history
• Transfer money between savings and checking accounts
• Pay bills
• Pay your credit card
• Deposit checks
• Set up banking alerts for specific events, like a low balance or a large deposit

What Does It Cost to Open a Bank Account in the United States?

Some accounts, like the one Común offers, come with no monthly fee and no minimum balance requirement. However, many banks do charge fees. These include some of the most popular banks in the United States: Bank of America, JPMorgan Chase, Citigroup, and Wells Fargo. Here are some of the fees they charge:

• Monthly service fee
• Minimum balance requirement
• Overdraft fee
• Check-cashing fee

Certain banks also limit Spanish-language support in their digital interfaces or customer service centers. Be sure to research the fees charged and the language support offered before opening an account with any bank.

FDIC Backing

The Federal Deposit Insurance Corporation (FDIC) is a government agency that insures consumer deposits at banks in its network. It's important to choose a bank with this backing, since you'll have up to $250,000 of your funds insured by the U.S. government if your bank fails.

The Benefits of Común

At Común, you'll find a checking account with no monthly fee and no minimum balance, in Spanish (from the mobile app to customer support), with the flexibility to apply using your passport, no matter your nationality. Opening an account is very easy, and you'll have 24/7 access, along with the ability to pay bills or deposit checks. Común is FDIC-insured, so your funds are protected up to $250,000 USD.

As with any financial service, be sure to research the different options available and choose the one that best fits your needs.

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