Checking account
Learn how to safely deposit money into someone else's bank account.
8 min read

02 Jun 2024

Understanding the Basics
In today's connected world, being able to deposit money into someone else's bank account is a valuable skill. Whether you're helping a friend in need, managing household expenses, or running a business, understanding the ins and outs of transferring funds safely is essential. Bank-to-bank transfers are a popular method for moving money from one bank to another, using external transfer features on bank and credit union websites as viable options for these services. Comparing bank-to-bank transfers with other methods, like wire transfers and money transfer apps, is crucial, since there may be fees and limits to consider.
Different Methods of Depositing Money
There are many ways to deposit funds into someone else's bank account, including knowing the recipient's bank account details for electronic transfers, which is crucial for a smooth transaction:
This section can cover the benefits of each method, like minimum direct-deposit amounts or possible wire transfer fees, and expected timelines, from the same business day to a few business days for processing.
Step by Step: Depositing Cash and Checks
Depositing money into someone else's bank account can be essential for several reasons. People often need to transfer funds to pay rent, help family members, or settle bills directly into someone else's account. This process, which involves transferring money directly into someone else's bank account, usually through ACH transfers or wire transfers, is legal and regulated to prevent issues like money laundering. It's crucial to have accurate details like the recipient's bank account number and routing number. By following these detailed steps, you can make sure your transactions run smoothly and securely.
To deposit cash or a check, follow these steps:
Online Transfers and Mobile Payments
Using online or mobile banking to deposit money offers convenience and speed. Here's how to use these platforms effectively:
Privacy and Security Considerations
When sending money to someone else's bank account, keep these privacy and security measures in mind:
This is a process that can be mastered with careful attention to detail and security. By following the steps outlined above, you can make sure your money transfers are effective and secure. Remember, the key to successful financial transactions lies in thorough preparation and vigilant monitoring, making sure every transaction strengthens trust and security in our financial systems.

Legality and Compliance
Banks are legally required to report certain types of transactions to regulatory bodies to prevent and monitor illegal activity like money laundering. In the United States, for example, financial institutions must file a Currency Transaction Report (CTR) for cash transactions exceeding $10,000 in a single business day. Similarly, suspicious activity that may not meet CTR criteria but is unusual or has no apparent legal purpose must also be reported through Suspicious Activity Reports (SARs).
For depositors and recipients, this means any large transaction could lead to additional scrutiny. It's important for both parties to keep records of the source of funds and the purpose of the transaction, since these could be required in an investigation or audit. Being aware of these requirements helps ensure both parties maintain transparency and avoid unintentional legal complications.
Legal Implications of Transferring Money on Behalf of Others
When transferring money on behalf of others, individuals take on significant responsibilities and should be aware of the legal framework governing such activities. The main legal concern here is the risk of inadvertently engaging in unauthorized financial practices, such as operating as an unlicensed money transmitter, which can carry severe penalties, including fines and imprisonment. It's crucial to have clear agreements and records when handling financial transactions for someone else, particularly in business or caregiving scenarios.
Additionally, transferring money on behalf of others can expose a person to fraud risks. If funds are misused, both the person handling the transaction and the recipient could face legal action or financial losses. It's advisable to use documented methods and formal channels to transfer money to protect against misunderstandings or fraud, ensuring funds are used for their intended purpose.
Guidelines for International Transfers
International transfers aren't just more complex because of the involvement of multiple financial systems — they also come with stricter compliance measures. When sending money abroad, regulations from both the sender's and recipient's countries must be considered. Compliance requirements may include providing additional identification, disclosing the source of funds, and detailing the purpose of the transfer.
Currency conversion rates and fees are also significant factors in international transfers. Exchange rates can vary considerably depending on the financial institutions or services used, which could affect the amount received on the other end. Additionally, international wire transfers are subject to regulations like those imposed by the Office of Foreign Assets Control (OFAC) in the U.S., which can block transactions involving specific countries, individuals, or entities.
Understanding these guidelines helps ensure international money transfers run smoothly and legally, minimizing the risk of delays or legal issues and ensuring compliance with global regulatory standards.
Send Money to Your Home Country Safely⁴
Send money abroad with peace of mind with your Común account¹
Open your account in 3 minutes!
Conclusion
Depositing money into someone else's account is a process enriched with various methods, legal considerations, and practical steps to ensure safe and secure financial transactions. There are various methods, legal considerations, and practical steps to ensure safe and protected financial transactions when depositing money into someone else's account. Whether you choose to deposit cash at a bank branch, use online transfers, or make mobile payments, understanding the ins and outs of each method is crucial for effective money management.
This article has explored the legal frameworks that protect these transactions and the compliance measures needed for both domestic and international transfers, giving you the knowledge to navigate this space with confidence. Remember, the key to successful financial transactions lies in thorough preparation and vigilant monitoring, making sure every transaction strengthens trust and security in our financial systems. With this knowledge, you're well-equipped to handle the responsibilities of depositing money into someone else's account efficiently and ethically.
About Común
Común aims to support the Latino community in the United States. It offers a debit account that can be opened with more than 100 valid Latin American IDs and an app available in Spanish.
Visit Común's website or download the app for free to learn more about the full offer and applicable terms.

Olivia Rhye
Community Partner

Living in the United States
8 min de lectura
An essential guide for finding a job in the USA. The search for a job in a new country can be a challenge, many processes may feel new or unfamiliar. However, in 2026 there are plenty of online resources to help with the process, one of the most commonly used resources is online job platforms. For many Spanish-speaking employment seekers in the USA whether recently arrived or supporting a family, there are employment opportunities available, the key is to know where to find them.
To help with the search, we have created a guide designed as a practical, curated overview of the most relevant websites for finding jobs in the United States. We hope to provide useful context on which platform works best depending on your situation.
A practical starting point
Among all job platforms in the United States, Indeed continues to be the most widely used, especially for people looking for entry level or widely available opportunities. Its main advantage is volume. It gathers thousands of listings across industries from restaurants, warehouses, cleaning services, retail, to customer service. The platform allows users to apply for many positions directly through the app or website.
However, this same ease of use means competition is high. Users of the platform have reported that, for better chances of success, it is important to apply early and consistently.
Available in Spanish?
Indeed is fully available in Spanish, it is one of the most complete Spanish experiences among all websites for finding jobs in the USA.
For professional and office roles
LinkedIn is more about building a professional presence. Therefore it is very important to have a well structured profile with recommendations and references to all previous experiences to attract potential opportunities.
This platform is commonly used for roles in administration, marketing, finance, and technology. The platform is generally more focused on professional and corporate roles than hourly positions. It is also important to consider that finding a job through it tends to take some time.
Available in Spanish?
LinkedIn is partially available in Spanish. It allows you to change the interface to Spanish, including menus and profile sections. However, most job postings in the USA and recruiter interactions are still primarily in English.
For researching companies
Glassdoor is not just a job board; it is a decision-making tool. While it does include job listings, its real value lies in the information it provides about companies. Users can see salary ranges, employee reviews, and even details about the interview process.
For someone unfamiliar with the U.S. labor market, this can be helpful when evaluating workplace conditions and company culture and help identify companies with better working conditions. Many job seekers use Glassdoor alongside other job search websites in English and Spanish to confirm whether a job is worth pursuing before applying.
Available in Spanish?
Glassdoor is partially available in Spanish. It offers some Spanish interface options and content, but the experience is mixed. The reviews and salary data are often in English, depending on the company. It is still useful, but not fully localized.
Faster matching with less effort
ZipRecruiter focuses on simplifying the job search by using technology to match candidates with relevant opportunities. Instead of spending hours browsing, users receive recommendations based on their profile, and in some cases, some employers may contact candidates directly.
This approach is particularly helpful for candidates with some work experience who want to save time and avoid repetitive applications. It reflects how job platforms in the United States are evolving toward more automated and personalized systems.
Available in Spanish?
ZipRecruiter is mostly in English. It is primarily an English-language platform.
Useful for understanding salaries
SimplyHired plays a valuable supporting role. It aggregates listings from multiple sources and provides salary estimates that help job seekers understand what a position typically pays.
For newcomers trying to navigate where to find work in the USA, this information is especially useful. It helps with comparing offers and may help job seekers better understand local ranges.
Available in Spanish?
SimplyHired is partially available in Spanish. It has some Spanish interface support and localized search options. However, like other platforms, many listings remain in English.
The official path to government work
USAJobs is the official federal employment portal. It offers access to government positions, which are known for stability, structured hiring processes, and strong benefits.
However, it is important to be realistic about accessibility. Most roles require legal residency or U.S. citizenship, which may limit eligibility for some applicants.
Available in Spanish?
USAJobs offers limited Spanish support. It is mainly in English, as it is the official government portal.
A path to find remote work
As remote work continues to grow, FlexJobs has become one of the most reliable platforms in this space. Unlike larger job boards, it focuses on curated listings, which may help reduce exposure to fraudulent or low-quality listings.
This makes it particularly useful for people looking for flexibility, whether they are freelancers, parents, or simply prefer not to work in a traditional office setting. In the context of websites for finding jobs in the USA, it stands out for prioritizing quality over quantity.
Available in Spanish?
FlexJobs operates almost entirely in English.
A practical option for remote income
Upwork allows users to work as independent contractors, offering services in areas such as writing, programming, design, and digital marketing. It has become one of the most relevant platforms for remote work, especially as companies increasingly hire global talent.
While it requires time to build a profile and reputation, some users use it to generate freelance or supplemental income and open doors to long-term clients. It is particularly useful for people with digital skills who are looking for flexibility.
Available in Spanish?
Upwork offers a Spanish interface, which makes it more accessible than many remote platforms. However, most clients post jobs in English.
For turning skills into income
Fiverr offers a slightly different model from Upwork. Instead of applying to jobs, users create service listings and set their own prices, allowing clients to find them directly.
It is commonly used for creative work and as a source of side income, but it can also grow into a full-time opportunity. Within the broader landscape of job search websites in English and Spanish, Fiverr stands out for its flexibility and accessibility.
Available in Spanish?
Fiverr also supports Spanish in its interface. Since you create your own service listings, you can write them in Spanish, English, or both, which gives you flexibility depending on your target clients.
A more curated, culture-focused option
The Muse is smaller than other platforms but offers a more curated experience. It focuses on companies that prioritize workplace culture and transparency, giving candidates a clearer idea of what to expect.
This makes it particularly appealing for younger professionals or those looking for a better long-term fit rather than just immediate employment. While it may not be the first stop for most job seekers, it can be a valuable complement to larger platforms.
Available in Spanish?
The Muse is primarily an English-language platform with no full Spanish interface.
These platforms are useful within their unique context, the key to making the most out of them is understanding what they offer and how they fit in your situation. Someone looking for quick, entry-level work will likely benefit most from Indeed, while a candidate pursuing a long-term professional career should prioritize LinkedIn. Those interested in flexibility or remote income may find better results through FlexJobs, Upwork, or Fiverr, while individuals seeking long-term stability may consider USAJobs if they meet the requirements.
In practice, the most effective strategy is not to rely on a single platform. Combining two or three of these tools creates a more balanced approach and may improve job search efficiency.
When exploring websites for finding jobs in the USA, one practical question often comes up early in the process: what happens if you don't yet have a Social Security Number (SSN)? In most formal employment situations, an SSN is required because employers use it for payroll and tax reporting. However, during the application stage, many platforms still allow you to apply without entering one.
If you already have legal work authorization but are waiting for your SSN, you can:
The key distinction is that an ITIN allows you to comply with tax obligations, but it does not grant permission to work.
Requirements can vary depending on the employer and the type of role, therefore it is important to confirm what documentation will be needed once you move forward in the hiring process.
Using the right job platforms in the United States is the first part of the process. How you present yourself still plays a major role in whether you get a response.
When it comes to interviews, preparation is just as important:
Applying regularly, following up when appropriate, and staying organized throughout the process may help improve consistency throughout the job search.
Once you are successful and you find work in the United States, it is important to know how and where you are getting paid. Most employers rely on direct deposits, which requires access to a U.S. bank account. For many immigrants, this can be a challenge. Some financial institutions and fintech platforms offer products designed for individuals who may have limited access to traditional banking services. From traditional banks to digital platforms it's important to learn about their requirements and their offers. For example, with Común you can open a debit account using a passport or more than 100 valid Latin American IDs and Común's app is available in Spanish.
Yes. To work legally in the U.S., you must have valid work authorization. This typically comes in the form of a work permit (Employment Authorization Document, or EAD) or a visa that allows employment.
There are several common pathways depending on your situation. Temporary work visas like the H-2A (agricultural work) and H-2B (seasonal non-agricultural work) are frequently used. Professional visas such as the H-1B apply to specialized roles, while other options like TPS (Temporary Protected Status) or asylum-based work permits may apply depending on your country of origin and circumstances.
Each option has specific requirements, so it is important to verify eligibility with the official authorities.
Yes, it is possible. Many jobs, especially in construction, cleaning, manufacturing, agriculture, and restaurants do not require advanced English. In cities with large Latino populations, it is common to find Spanish-speaking work environments.
However, improving your English can significantly expand your opportunities and increase your earning potential over time.
Employment agencies, also known as staffing agencies, act as intermediaries between companies and job seekers. They help match candidates with available positions, often for temporary, seasonal, or entry-level roles.
For many newly arrived immigrants, these agencies may help some job seekers connect with available opportunities, especially if someone does not yet have a strong professional network in the United States.
The key to navigating the U.S. job market in 2026 is not just knowing the websites for finding jobs in the USA, but understanding how to use them strategically. Each platform serves a different purpose, and choosing the right one may help better organize search and identify opportunities aligned with goals and experience. We wish you the best of luck in your job seeking process!
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Financial Education
8 min de lectura
The bank routing number, or ABA Routing Number, is essential information for making money transfers. It is a 9-digit code used to identify each financial institution in the United States.
This code is so important because it ensures that electronic transactions are carried out correctly and that funds reach the designated bank.
In this article, we offer a complete guide to help you understand what a bank routing number is, what it does, where to find it, and how it is used in everyday electronic financial transactions.
An ABA routing number, or transit routing number, is a unique 9-digit code that serves as an identifier for each financial institution in the United States.
It differs from a bank account number in that an account number is personal, valid for the use of a single user only. By contrast, the routing number is a unique identifier for banks, credit unions, and digital banks.
The primary function of the routing number is to allow financial institutions to precisely identify which bank to send to or receive from during routine operations such as direct deposit of payroll, automatic payments (ACH), and electronic transfers.
It is important to note that this code is different from a bank account number and is not equivalent to the IBAN (International Bank Account Number), which is a set of numbers used especially in Europe to identify international bank accounts and is composed of the country code, check digits (the checksum of the bank account number), and a bank account number.
In the United States, however, the SWIFT/BIC code is used for international money transfers, not the IBAN.
Here are some crucial functions of the bank routing number in digital transactions.
The bank routing number helps prevent errors when identifying a specific bank and processing a transfer from one institution to another, even when they have similar names or many branches across the country.
This code is also indispensable so that ACH systems and wire transfers can send funds to the correct destination, quickly and securely.
The ABA number is also essential for employers to make direct deposits, using that code together with the checking account number, without the need for checks or cash.
To set up automated payments for services such as electricity, water, and online subscriptions, you must provide the bank routing number so the billing system can process the transaction automatically.
This number is also indispensable for transactions involving multiple financial institutions, such as interbank transfers or check clearing.
By now, the importance of the ABA number is clear. But how do you find a bank routing code? Knowing this information is the first step to making transfers correctly.
Likewise, it is essential to understand how to find your bank account number and to tell one number from the other to avoid confusion.
The routing number consists of 9 digits and identifies the bank. The account number has usually 10 to 12 digits and identifies the individual account within the bank.
To find your account number, look at the bottom of a check; it is the series of numbers that follows the routing number. You can also find it at the top of a statement or directly in the mobile application.
It is essential to make sure you have the correct routing number before making a transfer. Therefore, it is advisable to confirm it directly with your financial institution to avoid errors.
Many users ask where to find the routing number on a physical debit card. However, the routing number is not printed on such instrument because it is intended for digital transfers, not for payments at physical merchants.
These are the most common places to find the routing number for your bank or financial institution.
On your checks
Check the lower left corner of your personal or business checks; the routing number is the 9 digits shown there.Another relevant detail is the check number, which is usually at the top.
Mobile application
Another way to find this code is to access your mobile application and go to the transfers or direct deposit information section.
Bank statements
Check your latest bank statement, whether physical or digital; the routing number may appear in a section of that document.
Direct contact with your bank
If you have any doubt about the routing number, you can contact your bank by phone or visit a branch so they can clarify any questions before you make a bank transfer.
Throughout this article, we have learned the importance of both the bank routing number and the bank account number in the U.S. financial system. Both are indispensable for carrying out fast and secure digital transactions.
Being clear about what a bank’s ABA number is not only lets you carry out digital transactions with ease but also gives you financial autonomy to allocate your resources toward the services you need for your well-being.
The U.S. financial system can seem complicated, especially for immigrant communities. That is why Comun seeks to streamline processes and offer transactions without complications.
Open your account today and discover an ally to manage your finances in the United States.
If you have more questions, check our frequently asked questions section.
You can find it on your account statement or by calling the bank directly.
It is the code that identifies each bank and consists of 9 digits.
No. Each bank has a different routing number.
The routing number does not appear on physical cards.
It is found at the bottom of a check and consists of 9 digits.

Financial Education
8 min de lectura
The short answer is that it depends on what you're looking for. Whether you're splitting rent with a roommate, paying a friend back for dinner, or sending money home to your family in Mexico or Guatemala, there's an app for it. The key is selecting which one to use and when.
Today, millions of people living in the United States send money in minutes from their phones. This can be done to another person's bank account for someone sitting across the table from you at lunch or to a family member in a different country.
However, it is important to consider that not all apps work the same way, and choosing the right one for you could save you time or money. Some service providers offer fixed fees, while others offering international transfers include the cost in the exchange rate. This directly impacts how many pesos, quetzales, or lempiras your loved ones receive after the conversion.
It is recommended to look at three key factors that could impact the real cost of any transfer:
The transfer fee
The flat fee or percentage charge that is presented before the transaction is made. Some apps charge both a transfer fee and an exchange rate markup, while others charge only one. For domestic transfers within the United States, the fee is often the main cost to evaluate.
Speed
Faster delivery options could have a higher cost. Many apps offer a standard option that takes a few days at a lower cost, and an express option for more urgent transfers. For domestic transfers in the US, instant or same-day delivery is more common, though it may still carry an extra charge depending on the provider.
The exchange rate spread
For international transfers, this is the gap between the mid-market rate and the rate the app offers you. It is one of the most important cost drivers when sending money abroad. For domestic transfers in the US, there is no currency conversion, so this factor does not apply.
| App | Cost | Speed | Transfer limits | Additional features | Coverage |
|---|---|---|---|---|---|
| Venmo | No fee (bank account/balance); 3% (credit card); instant transfer to bank: 1.75% (min $0.25, max $25) | Up to 1 day (standard); ~30 min (instant) | Up to $299.99/week (unverified); up to $60,000/week (verified) | Social payments feed; online and in-store purchases; Cash Card debit card | U.S. only |
| Zelle | No fee (some banks may apply fees) | Minutes | Limits vary by bank | Built into most major U.S. bank apps; no separate account needed | U.S. only |
| Cash App | No fee (bank account/debit card); 3% (credit card); instant transfer to bank: 0.5%–1.75% (min $0.25) | Standard: 1–3 business days; instant: ~minutes | Up to $7,500/week (verified users) | Cash Card debit; Bitcoin and stock investment; direct deposit | U.S. only |
| Común | No fee (U.S.); from $2.99 (international) | Instant to ~8 minutes (average) | $2,999/day · $4,999/7 days · $9,999/30 days · $19,999/90 days | Cash pickup and delivery; bank deposit and digital wallet; app in Spanish | U.S. and Latin America |
| Western Union | $3–$30+ (varies by amount, country, and method) | Minutes to several days (depends on method) | Up to $5,000 online | Cash pickup and delivery at 200+ country agent network; bank deposit and digital wallet | 200+ countries |
| Remitly | $0–$3.99 (varies by amount and method); first transfer may have a promotional rate | Express: minutes to same day; Economy: 3–5 business days | Up to $100,000 (verified U.S. users) | Express and Economy tiers; cash pickup; home delivery in select countries | 170+ countries |
| Wise | Variable fee from ~0.48%; mid-market rate with no markup | Instant to 2 days | Up to $1,000,000 per ACH transfer (verified) | Multi-currency account (40+ currencies); transparent fee shown before confirmation | 140+ countries |
| Revolut | No fee between Revolut users; Standard plan: no exchange fee up to $1,000/month on weekdays, then 0.5%; weekend transfers ~1% | Instant (Revolut-to-Revolut); up to 3–5 business days (external) | No preset maximum for most currencies | Savings tools; spending analytics; 25+ currency account; prepaid debit card | U.S., Europe, Latin America, Asia |
| PayPal | No fee (domestic, bank/balance); international personal transfers: 5% (min $0.99, max $4.99) + currency conversion spread 3–4% | Generally immediate | Up to $10,000 per transfer (verified accounts) | Accepted at millions of merchants globally; supports multiple linked payment methods | 200+ countries |
Data based on official provider sources as of April 28, 2026. Fees, limits, and exchange rates change frequently — always confirm current terms directly with each provider before sending. This table is for informational purposes only and does not constitute financial advice.
Sending money within the United States is not the same as sending money abroad. The costs and logistics work differently, especially when currency exchange comes into play.
Común is a digital financial platform that offers services in Spanish and supports both domestic transfers and remittances to countries across Latin America. Users can receive direct deposits into a Común account and send money from the same balance. Transfers are typically completed within minutes, with an average delivery time of around eight minutes depending on the destination and method. Común also operates with cumulative transfer limits over time: $2,999/day · $4,999/7 days · $9,999/30 days · $19,999/90 days. To learn more visit comun.app/remittances.
Remitly offers multiple delivery options, including bank deposits, cash pickup, and mobile wallets. The app tends to offer promotional exchange rates available for the first transfers; however ongoing transfers tend to include a different spread. It is important to review each service provider's exchange rate spread. Speed is flexible: Express transfers are faster but could come with a higher cost embedded in the rate.
Wise shows the mid-market rate and charges with a clearly defined fee. This model makes it easier to understand what you are paying. It is an app that users have reported to be useful when managing multiple currencies or sending money to different regions across the world.
Xoom is part of PayPal, which can be convenient if you already use PayPal regularly. Transfers are generally quick to initiate and familiar for those who already know the platform. In some cases, exchange rates may include a wider spread compared to more specialized remittance providers, so it can be useful to check the rate offered on the day of the transfer.
Its biggest advantage is cash pickup. Recipients can collect money in thousands of locations, which can be useful for those receiving the money who don't have bank accounts. The costs vary widely depending on how you send and receive money.
Felix Pago operates through WhatsApp, which could simplify the transfer process for some users. It is primarily focused on transfers to Mexico, and pricing can be competitive in certain cases, though exchange rate spreads may vary depending on the transfer method and timing.
The reality is that it depends on specific needs, whether it is lower costs, delivery options or speed. Mexico is one of the largest recipients of remittances globally — most major apps support transfers from the United States to Mexico. Guatemala and Honduras are supported by several providers, including Común, Remitly, Western Union, and Xoom. Colombia and El Salvador are also served by a mix of providers.
It changes. Exchange rates fluctuate with currency markets, and provider margins shift with them as well. The recommended approach is to model your specific transfer before sending. Some app service providers offer tools to enter the amount and calculate the amount your recipient would actually receive.
Typos in recipient information:
These are the most common and costly errors. A wrong digit in a phone number or account number can delay a transfer for days or send money to the wrong person entirely.
Sending on a Friday afternoon or holiday weekend:
This often means that the money won't arrive until Monday or Tuesday, even for services that advertise same-day delivery.
Choosing the wrong delivery method:
A bank deposit doesn't help someone who doesn't have a bank account. A cash pickup location that's far from your recipient's town isn't convenient, no matter how fast the transfer is.
Not comparing rates for larger transfers:
The exchange rate spreads and fees directly affect the final amount the person receives.
It depends on the destination, amount, speed, and delivery method.
Speed can vary between domestic transfers within the United States and international remittances. Some providers offer faster delivery options that may come with an additional cost.
Some financial service providers like Común allow you to open an account with your home country's official ID which may be used to manage your finances and send money. Western Union also accepts cash payments at agent locations.
Many money transfer apps operating in the United States are registered with financial authorities and are required to follow regulations related to consumer protection and anti-money laundering. Issues are often linked to user input rather than the platform itself.
The right app depends on what you need, and that can change over time. There is no single option that fits every situation. What tends to make the biggest difference over time is paying attention to the full picture, including fees, timing, and the final amount your recipient receives.
If you send money regularly to Latin America, it may be worth exploring options that combine everyday banking with remittances in one place. Visit comun.app to learn more.
Remittance service provided by Service UniTeller, Inc. Service UniTeller, Inc. is licensed in all states that require a license. Remittance fees start at $2.99 but may vary. Please check the app for more details. Comun Inc. may earn revenue from the conversion of foreign currencies.

International Money Transfers
8 min de lectura
Being far from family and friends is one of the main challenges faced by immigrants living in the United States. Fortunately, sending mail is a way to maintain the bond with loved ones across borders.
In the United States there are several options for sending packages to Mexico. Below we explain the features of each service so you can choose the one that best fits your budget and needs.
There are two shipping options from the United States to Mexico: through USPS or private courier companies.
These are the main United States Postal Service (USPS) shipping services and their characteristics. Please refer to their website for the most up-to-date information.
There are also private courier company alternatives that offer excellent service and additional shipping options. Please refer to each courier’s website for most up-to-date information.
Below is a comparison table to help you view the information more clearly.
Company
Type of Service
Estimated Cost
Average Time
USPS
Priority Mail Express
From $59.50
3–5 business days
USPS
Priority Mail
From $30.90
6–10 business days
USPS
First-Class Mail
From $14.05 for envelopes
7–20 business days
FedEx
International Express Service
Prices vary depending on size and weight
3–5 business days
UPS
International Express Service
Prices vary depending on size and weight
2–5 business days
DHL
International Express Service
Prices vary depending on size and weight
2–5 business days
As seen in the previous section, it is impossible to precisely estimate the shipping cost and time for each courier service from the U.S. to Mexico. Several factors influence the final result, explained below.
This is the main factor that affects the final cost of an international shipment — the heavier and bulkier the package, the higher the rate. Also check whether the company has a maximum shipping weight.
The final destination also matters. Sending a package to Mexico City is usually cheaper than to a rural area.
Express or priority shipping services are faster and therefore more expensive.
If you ship during Christmas, New Year or high-demand dates, expect possible delays or extra costs.
Before going to your preferred shipping carrier’s office, make sure all information is ready to avoid delays and ensure your package reaches your loved ones without issues.
Make sure your package does not contain restricted items for entry into Mexico, such as perishable food, flammable liquids or counterfeit goods. If unsure, check customs rules.
Use a proper box or purchase one at the post office. If the contents are fragile, protect them well and place the label correctly when closing the box.
Double-check as many times as needed that recipient details (name, ZIP code, neighborhood) are accurate. Even small errors can send a package to the wrong place.
Finally, keep the tracking number and receipt; they let you track the package and clarify any issues if needed.
We understand how important it is for immigrants to send packages to Mexico from the United States. More than a packaged product, it represents birthday gifts, greetings from afar, and fulfilled dreams for the people you love most.
That’s why it’s important to follow these tips when sending a package to Mexico.
Sending packages to your loved ones in Mexico is a way to show them they’re still important to you. That’s why planning your shipments—and your finances—is essential.
Get to know Común, the digital platform that helps immigrants manage their money in the most accessible way, as you can open an account using a qualifying official identification from your home country.
Just as your packages travel with care, Común supports your financial well-being.
Open your account with Común and stay connected with your loved ones through remittances.
If you still have questions, check the following section.
It depends on the courier company, but in general, an express service takes 3 to 5 business days.
When you send your package, you’ll receive a tracking number so you can follow it until it reaches its destination. Some courier options only provide tracking until it leaves the United States.
The USPS First-Class Package International Service is ideal for economical shipments, though the delivery time is usually longer.

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

Immigration
8 min de lectura
Getting a stable and well-paid job is the main goal of thousands of immigrants who come to the United States in search of a better quality of life.
For this reason, it’s essential to have an optimized resume (“CV”) that summarizes personal information, work experience, academic background, and all relevant details for recruiters and hiring managers.
You’ve probably faced the challenge of writing and refining a CV to apply for a job in your home country.
However, knowing the standards in Latin America is not enough, as U.S. resumes have key differences, such as length and focus on measurable results.
Mastering a new resume format can be challenging, and the process can be frustrating if you don’t hear back after sending multiple applications.
This doesn’t necessarily mean you lack the required skills — your resume might simply need some adjustments to get noticed by U.S. recruiters.
In this article, we aim to make the process easier for immigrant job seekers through a complete guide and sample resumes that will help you create your own by the end of the reading.
Even if you know how to write a resume in Latin America, it’s essential to understand the key differences compared to the U.S. standard.
Here are the main differences between a professional CV in Latin America and a U.S. resume.
In Latin America, it’s common to see two-page CVs, while the American resume is usually limited to one page.
U.S. recruiters look for quantifiable data and measurable results, while in Latin America it’s more common to include task descriptions and responsibilities.
To prevent discrimination, U.S. resumes do not typically include a photo, age, or nationality.
The use of ATS (Applicant Tracking Systems) to detect keywords is widespread among U.S. companies.
While Latin American CVs often use colorful or elaborate designs, U.S. recruiters prefer minimalist formats to make information easier to read.
Understanding these differences is crucial for immigrants, as it increases the chances of being considered by both recruiters and automated systems.
Here’s a step-by-step guide to writing a strong U.S. resume that passes ATS filters and captures recruiters’ attention.
Avoid flashy designs, as they can make reading difficult and hurt your ATS score. Choose a clean, organized, and easy-to-scan format.
Include your full name, U.S. phone number, professional email address, and LinkedIn profile link.
Remember that you do not need to include a photo, date of birth, or marital status.
Your profile should be concise and include relevant keywords. This section should be a short paragraph summarizing your work history, interests, achievements, and career goals.
It’s essential to list your work experience clearly and in chronological order.
To write your professional achievements, use the XYZ formula, structured as follows:
For example:
“Improved the brand’s visual identity through an e-commerce rebranding project, reducing cart abandonment by 50%.”
List your academic background, including institution name, degree, and attendance dates.
The skills section is key to making your resume stand out.
It’s recommended to separate this section into soft skills and technical skills.
Depending on the vacancy and your profile, you can include additional sections, such as languages, certifications, or volunteer experience.
This information can set you apart from other candidates, as it gives you additional skills that could be relevant to the position.
Here’s an example of how an optimized resume should look, according to U.S. company standards.
On this page, you can download CV templates in English to customize yours according to your experience.
The last step is to adapt this example to your own professional profile and career path, which may differ depending on whether you are a recent graduate or already have experience.
Here are some things to avoid when writing your resume.
Having a strong resume is key to successfully entering the U.S. job market.
Just as a resume opens the door to great job opportunities, Común opens the door to financial stability for immigrants.
Discover Común, the option designed to serve the needs of immigrant communities in the U.S., with service available in Spanish.
Discover All the Benefits of Común!
Discover Común, the option dedicated to meeting the needs of immigrant communities in the United States with services available in Spanish.
If you still have questions, check out the next section.
It’s not necessary to include references in your resume, as companies usually request them later in the hiring process.
The 3 most important details are: contact information, professional experience, and skills.
The resume format used in the U.S. is becoming common in other countries, so the language should match the job posting.

Financial Education
8 min de lectura
A wire transfer remains one of the most widely used methods for moving large amounts of money quickly through financial institutions. It is commonly used for urgent transactions, high-value payments, or international bank transfers that often involve additional verification procedures and transaction monitoring.
According to Federal Reserve Fedwire statistics, around 209.9 million wire transfers were processed in 2024, an 8.6% increase compared to the previous year.
A wire transfer is an electronic transfer of funds between financial institutions through secure financial networks. Wire transfers are commonly used for: sending large amounts of money, urgent domestic payments, international bank transfers, real estate transactions, business payments, emergency family transfers.
| Transfer Type | Typical Delivery Time |
|---|---|
| Domestic wire transfer | Same day or within hours |
| International wire transfer | Typically 1–5 business days |
| ACH transfer | Typically 1–3 business days |
| Remittance app transfer | Typically in minutes to 2 days |
| Transfer Type | Average Cost |
|---|---|
| Domestic outgoing wire | $15–$35 |
| International outgoing wire | $35–$75 |
| Incoming international wire | $10–$20 |
| Exchange rate markup | 1%–4% depending on the provider |
Fees and exchange rate markups vary by bank, destination country, transfer amount, intermediary institutions, and payment method. Always review the total transfer cost before sending money internationally.
Advantages:
Disadvantages:
| Feature | Wire Transfer | Digital Remittance App |
|---|---|---|
| Typical use | Large or time-sensitive transfers | Regular family or friend remittances |
| Average cost | Typically $15–$75 transfer fees | Usually lower — flat fees or 0.48%–1% |
| Speed | Same day to several days | Typically in minutes to 2 days |
| Currency conversion | Bank-set rate, markup typically 1–4% | Near mid-market rate, markup 0–1.4%, shown upfront |
| Setup process | More banking details required (routing, SWIFT/IBAN) | Usually app-based, quick mobile signup |
| Best for | High-value or business payments | Frequent personal transfers |
In general, wire transfers require both parties to have bank accounts. For transfers without a bank account, consider alternatives like remittance apps.
Yes, wire transfers use regulated banking systems with transaction records and tracking. However, they are difficult to reverse if incorrect information is entered.
Wire transfers make sense for high-value, urgent, or institution-required payments. For regular remittances to family, digital apps typically offer lower cost and more convenience.
Común is a financial technology company and not a bank. Banking services are provided by Community Federal Savings Bank, Member FDIC. Remittance service provided by Service UniTeller, Inc.

Financial Education
8 min de lectura
Bank transactions are usually declined for one of these reasons: insufficient funds, daily transfer limits, suspected fraud, incorrect payment information, expired cards, or unusual account activity. In some cases, your bank may temporarily block a payment to protect your account, even if there's sufficient money available.
If your debit card, ACH transfer, ATM withdrawal, or online payment was rejected, the fastest solution is identifying whether the issue is caused by a transaction limit, a fraud alert, or a technical restriction on the account.
This is still one of the most common causes. Even if you recently deposited money, funds may still be pending or unavailable. What you can do: check your available balance (not just current balance), review pending transactions.
Most accounts have daily transaction limits for debit cards, ATM withdrawals, and ACH transfers. What you can do: verify your limits in your bank's app or contact support.
Security systems may block transactions that seem unusual, such as purchases in a different location. What you can do: check if you received a confirmation SMS and respond to authorize the transaction.
An incorrect card number, expiration date, CVV, or billing address can cause rejection. What you can do: verify the information entered and correct it.
If your card has expired, transactions will be automatically rejected. What you can do: request a replacement card from your bank.
Your account may be temporarily blocked due to suspicious activity. What you can do: contact your bank directly.
Some merchants or purchase types may be restricted by your bank. What you can do: use a different payment method or contact your bank.
ACH transfers have monthly limits in addition to daily ones. What you can do: verify your ACH limits and wait for the next cycle if you've reached them.
Accounts with no activity for an extended period may be flagged. What you can do: contact your bank to reactivate the account.
Many debit cards don't come with international transactions enabled by default. What you can do: contact your bank to enable international payments.
| Transaction type | How it works | Common limitation |
|---|---|---|
| Debit card | Uses money from your checking account | Daily purchase or ATM limit |
| Credit card | Uses borrowed credit from the issuer | Credit limit or available credit |
| ACH transfer | Bank-to-bank electronic transfer | Daily or monthly ACH transfer cap |
| Sign | Likely fraud alert | Likely transaction limit |
|---|---|---|
| Sudden block after travel | Yes | Sometimes |
| Transaction amount identical to your limit | No | Yes |
| Verification text message received | Yes | Rare |
| Small transactions also failing | Possibly | Less common |
| Decline happens at same amount repeatedly | Unlikely | Likely |
It could be a daily limit, a fraud alert, or a technical restriction. Check your bank's app or contact support for more details.
Most banking apps show transaction limits in the settings or transfers section. You can also contact your bank's support.
Común is a financial technology company and not a bank. Banking services are provided by Community Federal Savings Bank, Member FDIC.

Checking account
8 min de lectura
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.

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.
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.
The ITIN is an alternative for people who do not qualify for the SSN, since some financial institutions accept it instead.
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.
To prove your residence in the United States, you can present utility bills, such as electricity, or even a digital account statement.
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.
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.
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.
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.
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.
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.
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 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 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 also accepts a passport as the main ID, but may request an additional identification, such as a credit card or student ID.
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 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.
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.
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!

Checking account
8 min de lectura
In a world where financial stability is crucial, Común stands out as a beacon of innovation in the traditional banking industry. Partnered with trusted banks like Community Federal Savings Bank, both FDIC Members, Común offers a secure foundation¹ for managing your finances. Here's how Común is changing the game for its customers and anyone seeking financial freedom and inclusion.
Partnered With Trusted Banks for Maximum Security
Común isn't just a fintech company¹ — it's a mission-driven platform designed to enable upward mobility through financial services. When you deposit with Común, you're guaranteed the same security as a traditional bank account, with deposits insured up to $250,000¹, ensuring financial stability for you and your family.
Safe and Fast Remittances
For many immigrant families and others, sending money back home to loved ones is essential. Común makes this process safe and fast, letting you meet your financial obligations with confidence. Licensed through Service UniTeller, Inc.⁴, Común ensures your remittances reach their destination quickly, giving you a better shot at financial stability.
Real-Time Notifications and Early Access to Funds
Stay informed with instant notifications — every transaction, every sign of activity is reported to you, giving you peace of mind. Común's unique early-access-to-payroll-deposits³ feature lets you manage your cash flow effectively, turning hard work into visible results sooner.
Visa-Enabled Security Worldwide
Común's Visa® debit card¹, processed through Visa USA Inc., ensures global acceptance and trust. Whether you're shopping locally or internationally, Común's banking solutions go with you everywhere, keeping your funds safe wherever you go.
Designed for Members' Unique Needs
Común is deeply committed to financial inclusion, designing products that meet the unique needs of its members — especially those who are just starting out or who struggle to connect with traditional banking channels. From simple account setup to learning how to manage your finances, Común is with you every step of the way.
Building a Community of Trust and Mobility
Común's mission goes beyond simple banking services — it's about building a community and helping millions of people navigate the complexities of financial systems. By offering tools that help you learn and grow, Común supports your journey toward achieving financial freedom.
Conclusion: Común
Común customers aren't just opening a bank account — they're joining a community dedicated to building financial stability and shaping a future where every hardworking person deserves a shot at upward mobility. Download the Común app this week to start your journey toward financial freedom, equipped with the best tools to help you navigate, connect, and thrive.
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Immigration
8 min de lectura
An SSN (Social Security Number) is a 9-digit number issued by the U.S. government. It is required for working legally, filing taxes, and accessing financial services in the United States. As an immigrant, you may apply for an SSN if you have an eligible visa or Green Card — or use an ITIN as an alternative. If you have newly arrived in the U.S., you likely have questions about how to handle certain procedures. Therefore, we will explain what the SSN is, what it is for, how to apply for it, how much it costs, and what the benefits are of having this identifier.
The Social Security Number (SSN) is a series of 9 digits issued by the Social Security Administration (SSA, or Administración del Seguro Social in Spanish). It is issued to citizens, permanent residents, and eligible temporary residents, in accordance with their immigration status.
Its main function is to serve as a unique identification number that allows the government to track specific data for each person, such as their income, financial information, and employment history. This makes it possible to determine, in each particular case, eligibility to access Social Security benefits such as retirement, disability, among others.
In addition to facilitating access to these benefits, the Social Security card serves as official identification for employment onboarding, driver’s licenses (in some states), and opening bank accounts.
An important point about the Social Security Number in the U.S. is that there are three different types:
In the case of lawful permanent residents, it is necessary to obtain a Green Card or a visa with valid work authorization issued by the Department of Homeland Security (DHS), such as H-1B or L-1.
The process of obtaining the SSN varies depending on immigration characteristics. If you requested the SSN during your visa processing—through the “Application for Immigrant Visa and Alien Registration” form or the DS-260 electronic format, “Immigrant Visa Electronic Application”—DHS will contact the Social Security Administration directly to carry out the process.
If you did not request the SSN during your visa process, the first thing you should do is gather the following documentation:
Once you have gathered the documentation, follow these steps:
If your Social Security card is lost, it is important to take security measures immediately to avoid identity theft, fraud, or misuse of your personal data.
Report the theft or loss of this document to the police and then file a complaint with the Federal Trade Commission (FTC).
Afterwards, go to the Social Security Administration, complete the SS-5 form again, and bring the corresponding documents for replacement of the card.
Avoid carrying the card with you unless necessary and keep it in a safe place. Generally, you do not need to present your physical card but rather the number, which does not change even if you replace the card.
If you are still wondering what the SSN is for, you should know that this document provides multiple benefits of different kinds, such as the following:
For permanent residents, the greatest benefit of the SSN is that it grants work authorization, enables income tracking, as well as the payment of taxes and legal obligations. Presenting this document is an indispensable requirement during formal hiring processes in the United States.
The SSN is also typically required to apply for loans and credit from banks and financial institutions in the United States; in this way you can access assets such as real estate, a car, or other types of services.
Accessing financial services is essential for immigrant workers in the United States, whether to receive wages or send money to their countries of origin. Generally, the SSN is a requirement to access a bank account and credit and debit cards, among other services.
There are other benefits available, such as unemployment insurance in the event of dismissal, and access to retirement and Medicare starting at age 65, for eligible permanent residents.
The SSN functions as the taxpayer’s personal identification number, which makes it easier to file tax returns and report income and expenses. Another alternative for residents who do not have an SSN is the ITIN, issued by the Internal Revenue Service (IRS), which serves to fulfill tax obligations and grants other benefits.
In short, the Social Security Number—beyond being an administrative procedure—facilitates economic and social integration in the United States because it serves to track income and expenses and facilitates access to basic rights such as work, health, and banking, which are essential for integrating into society.
It is important to clarify that the Social Security card process does not involve any cost, whether you do it for the first time or as a replacement due to theft or loss.
Stay alert to potential fraud and avoid making payments to unauthorized third parties. If you have any doubts, go directly to your local Social Security office and report any suspicious activity.
Read more: Don’t miss our guide to investment basics for immigrants
As you can see, the SSN is highly relevant to establishing a stable life in the United States because it facilitates access to work, health services, and financial products that are essential for carrying out daily tasks such as payments and money transfers.
Comun is a financial platform designed to make life easier for immigrants in the United States by facilitating their integration into the financial system from day one.
With Comun, discover the most accessible way to manage your finances for everyday life in the United States.
If you still have questions, consult our Frequently Asked Questions section.
Report immediately at IdentityTheft.gov and place a fraud alert.
Up to 3 times per year and a maximum of 10 times in your lifetime.
Comun allows you to open an account with official ID from your country.







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