Which banks offer Zelle in Mexico? What you need to know in 2026

Zelle does not send money directly to Mexico. Zelle only works between eligible U.S. bank accounts and credit unions within the United States.

If you are looking into different methods for sending money to your family in Mexico, you may be searching for 'which banks offer Zelle in Mexico' or trying to understand if Zelle works internationally. This is a common misunderstanding for immigrant families in the U.S. No Mexican bank officially offers Zelle for receiving transfers from the U.S., and Zelle itself is not designed for international money transfers or currency conversion.

What is Zelle and how does it work?

Zelle is a digital payment service that facilitates peer-to-peer transfers at select partner banks in the United States. It is known for its speed, with transfers appearing in minutes, and for its extensive coverage across the U.S. Some U.S. financial institutions that support Zelle include Bank of America, Chase, Wells Fargo, Citi, PNC, and many more.

Why doesn't Zelle work for sending money to Mexico?

Cross-border money transfers require financial institutions, payment networks, regulatory approvals, identity verification procedures, and international settlement systems. Zelle was built around domestic payment systems in the U.S. Because of this, the service does not support direct transfers from U.S. bank accounts to recipients in Mexico.

Alternatives for sending money to Mexico from the U.S. (2026 comparison)

Fees, exchange rates, and delivery times vary based on transfer amount, destination, funding method, and payout option. In 2026, a 1% federal excise tax applies to cash-funded transfers. Bank, debit, and credit card transfers are exempt.

How the new 1% tax on cash remittances affects transfers to Mexico

Starting in 2026, a 1% federal tax applies to certain remittance transfers. The tax applies when you pay with cash, money order, or cashier's check. Transfers funded from a U.S. bank account or with a U.S.-issued debit or credit card are exempt by law.

FAQ

Does Zelle work in Mexico?

No. Zelle does not support international transfers. There is no Mexican bank that offers Zelle for receiving money from the U.S.

What is the best app to send money to Mexico?

It depends on your specific situation. Común offers transfers starting at $2.99 with transparent pricing. Visit comun.app/remittances to learn more.

Remittance service provided by Service UniTeller, Inc. Remittance fees start at $2.99 but may vary. Común Inc. may earn revenue from the conversion of foreign currencies.

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

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

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

What is the EB-3 visa and who qualifies?

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

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

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

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

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

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

Main EB-3 visa requirements

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

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

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

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

Benefits of meeting EB-3 visa requirements

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

• Job stability in the U.S.

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

• Pathway to lawful permanent residence.

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

• Opportunities for professional and personal growth.

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

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

Step 1. Determine eligibility

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

Step 2. Labor certification (PERM)

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

Step 3. File Form I-140

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

Step 4. Adjustment of status or consular processing

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

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

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

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

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

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

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

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

Frequently Asked Questions (FAQ)

If you still have questions, see this section.

How long does the EB-3 process take?

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

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

• Form I-140: $715

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

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

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

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

Do I need a job offer to apply?

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

Unmatched Ease of Opening an Account

Opening a checking account with Comun is simple and hassle-free, addressing the barriers to financial exclusion typically faced by the immigrant community. Accepting over 100 forms of identification², including social security numbers from Latin American countries, Comun ensures that immigrants have access to essential banking services. The application process is quick, taking less than 5 minutes, and is free of additional or hidden fees, minimum balance requirements or monthly commissions. This inclusiveness is central to Comun's mission of fostering financial stability and growth.

Mobile Deposit Options

ComunComun offers a convenient mobile deposit feature that allows users to deposit cash at more than 88,000 locations in the United States, including major retailers such as Walgreens, Dollar General and Walmart. This extensive network ensures that users can easily find a deposit location near them, making the process of adding money to their accounts simple and hassle-free.

Traditional Banking: Although many traditional banks offer mobile deposit options, they often restrict these to check deposits through a mobile app. Cash deposits typically require a visit to an ATM or bank branch, which can be less convenient and more time-consuming than Comun's extensive cash deposit network.

Utility in Today's World: In today's fast-paced environment, the flexibility to deposit cash in a wide range of accessible locations is invaluable, especially for individuals who may not have easy access to traditional banking services or who work non-traditional hours when banks are closed.

International Remittances

ComunComun excels in facilitating international remittances⁴, allowing users to send money abroad quickly and with lower fees compared to many traditional banks and remittance services. The process is enhanced with real-time notifications, keeping the sender informed from the moment the money is sent until it is received.

Traditional Banking: Traditional banks generally offer international transfer services, but these can be expensive and slow, with transfers sometimes taking several days to complete. In addition, the fees associated with traditional bank remittances can be significantly higher.

Usefulness in Today's World: In a globalized economy, the ability to send money across borders quickly and affordably is crucial. Many families rely on remittances for financial support, and businesses need efficient ways to handle international transactions. Comun's streamlined and cost-effective service effectively meets these modern demands.

Advance Salary Access

Comun: Comun offers the ability to connect wages to the application and receive payment up to two days in advance³. This feature incurs no additional fees, providing significant relief during financial emergencies or when planning ahead.

Traditional Banking: Some traditional banks have begun to offer similar features, but they are often tied to specific types of accounts or require a minimum balance. The accessibility and ease of use of early access to Comun's salary is not always matched in traditional environments.

Usefulness in Today's World: With the rise of gig economy jobs and irregular pay schedules, having early access to wages can provide a buffer against financial instability. This feature is particularly valuable for those living paycheck to paycheck, offering a cushion that can help avoid overdraft fees and late payments.

Unlike traditional banking institutions, Comun's innovative features are designed to meet the needs of today's diverse and mobile population, particularly benefiting the immigrant community in the U.S. By providing services that offer greater convenience, lower costs and greater accessibility, Comun not only addresses common challenges faced by its users, but also empowers them toward greater financial freedom and stability. As we move toward a more interconnected and fast-paced world, the importance of responsive and inclusive financial services continues to grow, something Comun is uniquely positioned to offer.

Robust Security and Customer Support

Security and customer support are paramount at Comun. With FDIC-insured accounts and Visa protection on virtual Visa debit card transactions, Comun customers can manage their funds with confidence. Innovative security features such as biometric logins and instant transaction notifications keep your money safe. In addition, Comun offers 24/7 customer support in English and Spanish, ensuring that help is always available in your preferred language.

Commitment to Zero Fees and Upward Mobility

Comun stands out not only for offering zero fees for account opening, monthly maintenance or minimum balances, but also for its commitment to helping its users move up the financial ladder. Comun acts as a financial partner, supporting financial transactions without the burden of excessive fees. This commitment aligns with the goal of enabling upward mobility for immigrants, who contribute significantly to the U.S. economy.

Customized Features and Benefits

Comun goes beyond traditional financial services by offering features designed to meet the unique needs of the immigrant community. Users can send money abroad with low or no fees, deposit cash at more than 88,000 locations nationwide, including free ATM withdrawals, and connect their accounts to popular payment apps such as Zelle, CashApp and Venmo. Comun's platform also allows customers to receive their paychecks up to two days early through direct deposit, further enhancing their financial flexibility and stability.

Conclusion

Comun is not just a financial services provider, but a platform dedicated to transforming the banking experience for immigrants in the U.S. With its user-focused design, commitment to financial freedom and robust features, Comun is destined to become a vital tool for achieving financial stability and growth for its users. Whether you are looking to manage your daily finances or send money to loved ones abroad quickly and securely, Comun offers a reliable, inclusive and efficient banking solution.

Foundational Moment: Did you know?

Founded by entrepreneurs Mark Selcow and Andres Santos in New York, Comun was built to empower families and enable upward mobility, particularly for the immigrant family. The company has garnered significant investment from prominent firms such as Costanoa Ventures, FJ Labs and South Park Commons, underscoring the tremendous opportunity to serve the financial needs of immigrant families and improve the lives of every individual.

What is Cash App and how does it work?

Cash App is a peer-to-peer (P2P) payment app that allows users in the United States and the United Kingdom to send and receive money digitally. Over time, Cash App has expanded beyond transfers and now also offers features such as debit cards, direct deposits, savings tools, and investing options.

If you recently moved to the United States or are exploring digital financial tools, you have probably heard of Cash App. The app is widely used for sending money between friends, paying for purchases, and managing certain financial activities directly from a smartphone.

For many immigrants in the United States, understanding how Cash App works is important because it may appear similar to a traditional bank account, but it is not exactly the same thing.

What is Cash App?

Cash App is a mobile financial app that allows users to send, receive, store, and spend money digitally through their phones. The app is commonly used for:

• Sending money to friends or family
• Receiving payments
• Paying for purchases
• Using a debit card linked to your balance
• Receiving direct deposits
• Buying stocks or Bitcoin

Unlike traditional banks, Cash App primarily operates through its mobile app rather than physical branches.

How does Cash App work?

To start using Cash App, you need to download the app, create an account with a U.S. phone number or email, and link a bank account or debit card. Once the account is set up, you can send or request money by searching for another person by their $Cashtag, phone number, email, or QR code.

Standard transfers typically arrive in 1 to 3 business days to a linked bank account. Instant transfers to a debit card usually carry a percentage-based fee.

How much does Cash App charge? — Fee table

Fees and terms may change over time. Always review the official Cash App website before using financial services.

Is Cash App safe?

Cash App uses encryption and security features like Face ID and Touch ID. However, like any P2P payment platform, it is important to use it only with people you know. Once sent, money generally cannot be recovered if the transaction went to the wrong person.

Is Cash App available in Spanish?

Spanish-language support availability on Cash App may vary. The app's primary experience is mainly in English, which can be a limitation for users who prefer to operate in Spanish.

Can an immigrant open a Cash App account?

Cash App has its own eligibility requirements for account opening. Requirements may include a U.S. phone number or email address, and additional verification information may be required. It is recommended to review Cash App's current terms directly.

Limitations of Cash App for Latino immigrants

• Does not support international remittances to Latin America
• Spanish-language experience may be limited
• May not accept Latin American IDs for account opening
• No dedicated 24/7 Spanish-language support

Cash App vs. Común — Quick comparison

FAQ

Is Cash App available in Spanish?

The app primarily operates in English. Spanish-language support availability may vary.

Can I send money to Mexico with Cash App?

No. Cash App does not support international money transfers to Mexico or other Latin American countries.

How much does Cash App charge for instant transfers?

Cash App charges a percentage-based fee for instant transfers to a debit card. Verify current fees on the official Cash App website.

Is Cash App safe?

Cash App uses encryption and identity verification. However, P2P transfers are difficult to reverse. Use it only with people you know and trust.

What is the difference between Cash App and Común?

Cash App focuses on domestic payments in the U.S. Común also offers domestic payments but additionally includes remittances to Latin America, full Spanish-language support, and the ability to open an account with more than 100 Latin American IDs.

Común is a financial technology company and not a bank. Banking services are provided by Community Federal Savings Bank, Member FDIC. Peer-to-peer payments services are provided by Cross River Bank. No minimums, no monthly maintenance commission.

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Starting a life in the United States means adapting to a new culture and customs that can interfere with everyday activities such as going to school, working, and carrying out important banking transactions.

Knowing the month-by-month celebrations in the United States lets you plan ahead—especially if you need to send remittances to your home country, plan trips, or make important payments.

This guide explains the main U.S. holidays, the differences between state and federal holidays, and how they affect work, school, and banking hours.

What are holidays in the United States?

U.S. holidays are special dates commemorating historical or cultural events. They may be observed at the federal or state level.

• Federal holidays

These are declared by the federal government. On these dates, banks, government offices, and federal services close. One example is Independence Day.

• State holidays

These are declared by state governments and apply only within that state.

Labor laws do not mandate overtime or premium pay on holidays, but some employers offer holiday pay.

Time off is only mandatory for federal employees; in the private sector it depends entirely on the employer. In some industries—such as tourism and hospitality—it’s common to work on holidays, with compensation determined by the company.

List of national holidays in 2025

There are 11 federal holidays in the United States to keep in mind. On these dates, banks and government offices typically close. This can delay remittance transfers.

Be sure to schedule transfers in advance so they don’t overlap with U.S. holidays and your money arrives without issues.

New Year’s Day – January 1

Celebration of the start of the year. Banks and public offices remain closed.

Martin Luther King Jr. Day – third Monday in January

Honors the memory of civil-rights leader Martin Luther King Jr.

Presidents Day – third Monday in February

Commemoration honoring George Washington and all U.S. presidents.

Memorial Day – last Monday in May

Commemorates members of the Armed Forces who died in service.

Juneteenth – June 19

Marks the end of slavery in the United States.

Independence Day – July 4

Celebration of the Declaration of Independence. One of the most important holidays.

Labor Day – first Monday in September

Celebration dedicated to the nation’s workers.

Columbus Day – second Monday in October

Marks Christopher Columbus’s arrival in the Americas in 1492.

Veterans Day – November 11

Commemoration recognizing all who served in the Armed Forces.

Thanksgiving Day – fourth Thursday in November

A family tradition dedicated to giving thanks for the harvest and the good moments of the year.

Christmas Day – December 25

The birth of Jesus; a widely observed religious and cultural celebration.

How holidays impact immigrants and families

Knowing what’s celebrated today in the United States helps you plan your day and be aware of possible workplace benefits you might be eligible for.

Work:

If you work in sectors such as hospitality, restaurants, or cleaning, you may have to work on holidays. Ask your employer whether double pay, shift changes, or other compensation applies.

Finances:

On federal holidays, banks and post offices close, which can delay financial operations such as deposits and international transfers. If you need to send money to family, do so before these dates.

Schools and procedures:

Public and private schools close on federal holidays. USCIS staff also do not work, so immigration processes are delayed.

Tips to organize your money and time

Don’t let holidays catch you off guard. Set aside a monthly budget for travel, daily expenses, and other activities.

Keep a payment calendar that accounts for holidays so you can make payments without setbacks.

Culturally important celebrations in the U.S. for immigrants

Beyond official dates, there are others that matter culturally to immigrant communities. They may not significantly affect institutions or businesses, but they’re still worth noting if you plan to budget for a celebration.

Battle of Puebla – May 5

A date that has also gained relevance among U.S. residents. Although many mistakenly link it to Mexico’s Independence Day, it actually commemorates victory over the French army.

Mother’s Day

In the U.S. it’s observed on the second Sunday in May, though immigrant communities may choose the customary date in their countries of origin.

Father’s Day

Observed on the third Sunday in June, though it can vary. It’s a day of family togetherness for many immigrants.

Halloween – October 31

A tradition that crosses borders; it’s very popular among immigrant communities who enjoy dressing up and having fun with kids.

Valentine’s Day – February 14

A popular holiday to celebrate love and friendship, spend time together, and give and receive gifts.

Day of the Dead – November 1–2

A Mexican tradition honoring the departed through altars, food, flowers, and music.

Organize your finances on holidays and send your money with Común

This article outlined the U.S. holidays and how they affect public and private operating hours.

Holidays shouldn’t keep you from meeting your financial obligations. Make sure you have an ally to help you plan your budget.

Get to know all the benefits of Común!

Transfer money from the United States to Latin America with clear, competitive fees, up to applicable limits (check terms in Común’s mobile app).

Discover the platform designed for immigrants—with shared interests, language, and goals: bringing families closer through accessible, secure financial solutions.

Open your Común checking account today and manage your money in the U.S. safely and without complications.

Frequently Asked Questions (FAQ)

If you still have questions, see this section.

What happens with banks and remittances on holidays?

On national holidays, banks and post offices are closed. This means money transfers can take 1–2 extra days to complete.

Do all workers receive extra pay on holidays?

The law doesn’t require double pay on holidays, but some employers offer this benefit.

What are the most important holidays for the immigrant community?

For immigrant communities, the most relevant holidays include Christmas, Mother’s Day, and the Day of the Dead, among others.

A joint bank account is an account shared by two or more people, commonly used by couples, families, or business partners to manage shared expenses. Before opening one, it's important to understand both its benefits and its risks.

What Is a Joint Bank Account?

A joint bank account is a single account shared by two or more people, letting all account holders deposit, withdraw, and manage money from the same account. It's perfect for people who need to manage finances together, like spouses, parents and children, or business partners. Joint accounts can be set up as joint checking or joint savings accounts, depending on the co-owners' financial needs.

Click here to learn more about personal bank accounts in the U.S.

Benefits of Joint Bank Accounts

Managing shared expenses becomes much simpler with a joint account. Instead of juggling multiple accounts for different payments, you can handle household bills, car payments, mortgage payments, and other shared expenses from one place. This simplifies tracking and organizing your finances and reduces the need to transfer funds between separate accounts.

With a joint bank account, both account holders have access to the funds. This can be incredibly convenient in emergencies or when one partner is unavailable. For example, if a spouse is traveling or incapacitated, the other can still pay bills and manage shared expenses without delay. This equal access ensures financial management continues smoothly no matter the circumstances.

Open your account with Común now. Banking designed specifically for you.

Shared Financial Goals

Joint accounts are fantastic for working toward shared financial goals. Whether you're saving for a house, a vacation, or your child's education, having a joint account ensures both partners are on the same page and contributing toward these goals together. This shared approach can foster stronger financial planning and more cohesive spending and saving habits.

A joint bank account improves transparency and trust in relationships. It encourages open communication about finances and helps ensure both parties are aware of and agree on how money is being spent and saved. This can lead to better financial decisions and reduce the potential for misunderstandings or conflicts over money management.

In emergencies, a joint account ensures one partner can access funds if the other is incapacitated. This is especially important for older couples or those with health concerns, providing peace of mind that finances can be managed even in difficult times. Older parents and adult children can also benefit from this setup, ensuring necessary expenses are covered smoothly.

Considerations for Shared Accounts

Sharing an account means sharing individual control over your finances. It's important to have mutual agreements about spending and to trust your partner's financial decisions. This could be a drawback for those who prefer full autonomy over their money. Having both joint and separate accounts can balance shared financial management with personal spending autonomy.

Managing money together can sometimes lead to disagreements. To avoid conflict, set spending limits and have regular financial discussions to make sure both parties are on the same page. Clear communication is key to reducing potential disputes, and consulting a financial planner or wealth advisor can also help manage joint accounts effectively. Setting clear guidelines for deposits, withdrawals, and spending means deciding together how much each person will contribute to the joint account, whether a fixed amount or a percentage of income.

Rules for Spending and Saving

This can include setting rules for large withdrawals or purchases, requiring both partners' agreement to avoid disputes. Having a mutual understanding of how the account will be managed can prevent misunderstandings and foster a cooperative approach to money management.

Aligning Long-Term Financial Goals

Align your long-term financial goals, like saving for a house, retirement, or a child's education. Setting and working toward shared goals strengthens your financial partnership and provides clear direction for your joint account. Regularly review and adjust your goals as needed to stay on track and adapt to any changes in your financial situation.

Legal Aspects

Joint accounts come with legal responsibilities, like liability for overdrafts and debts. It's essential to have clear agreements, especially in business partnerships, to avoid legal complications. Understand the legal aspects and make sure both parties are aware of their responsibilities. The Federal Deposit Insurance Corporation (FDIC) insures joint accounts, but it's important to understand the coverage limits and implications.

Joint accounts can affect both account holders' credit scores. Responsible management and regular account monitoring are crucial to avoiding negative impacts on your credit. Make sure both partners are committed to maintaining good financial habits. Any debt incurred on the joint account will show up on both account holders' credit reports, so it's important to manage the account carefully.

Understanding the Legal and Tax Implications

Be aware of the legal and tax implications of having a joint bank account. In some cases, joint accounts can affect your individual credit standing and tax liabilities. Consult a financial planner or banking advisor to understand the impact on your personal finances, and make sure you comply with any legal requirements. This understanding helps you make informed decisions and avoid potential legal or financial issues.

Tips for Successfully Managing a Joint Bank Account

Communication is key, and regular financial discussions are essential. Talk openly about your financial goals, spending habits, and any concerns you may have. Schedule regular check-ins to review your joint account and discuss any changes in income, expenses, or savings goals. Open communication ensures both partners stay on top of the account's status and can address any issues promptly. Managing a joint bank account takes teamwork, communication, and clear guidelines. Here are some tips to help you navigate this financial arrangement smoothly:

• Keep Individual Accounts for Personal Spending. Keeping individual accounts for personal spending can help avoid conflict and ensure both partners have some financial independence. Separate checking and savings accounts can complement a joint account by providing a space for individual spending and saving. This setup lets each person manage their own money separately while still contributing to shared expenses through the joint account. It also reduces potential conflicts over personal purchases and spending habits. Introducing Común.app: for those looking to keep individual accounts alongside a joint account, Común.app offers a perfect solution. With Común.app, you can easily manage your personal finances while tracking your shared expenses. The app provides a user-friendly platform for budgeting, saving, and making payments, ensuring you have full control over your individual spending. This can be especially helpful for couples who want to balance shared financial goals with personal financial autonomy.
• Use Financial Tools and Resources. Make the most of the financial tools and resources available at your bank or financial institution. Many banks offer budgeting tools, financial planning services, and wealth advisors who can provide guidance on managing joint and separate accounts. These resources can help you and your partner stay on track with your financial goals and make informed decisions.
• Set Up a Contingency Plan. Have a contingency plan in case of emergencies or major life changes. Discuss what would happen if one partner becomes incapacitated, loses their job, or if the relationship changes. Having a clear plan ensures both partners are prepared for unforeseen circumstances and can keep managing the joint account effectively.

By following these tips, you can successfully manage your joint bank account, fostering a collaborative and transparent financial partnership. Remember, the key to a successful joint account is open communication, clear guidelines, and mutual respect.

We'll show you how to manage your personal accounts in the U.S. here

Conclusion

Joint bank accounts offer numerous benefits, from simplifying finances to fostering transparency and trust. However, they also require careful consideration and clear communication to avoid potential pitfalls. Weigh the pros and cons carefully and make sure both partners are on the same page before opening a joint account. Financial situations can change, so it's essential to stay flexible and adaptable. Regularly reassess your joint account setup and make adjustments as needed. Whether it's changing your contribution amounts, adjusting spending limits, or reevaluating your financial goals, staying adaptable ensures your joint account continues to meet both partners' needs.

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What is a joint bank account?

It's a single account where two or more people can deposit, withdraw, and manage money, typically used by couples, families, or business partners.

What are the benefits of a joint account?

It makes paying shared expenses (rent, utilities) easier without constant transfers between individual accounts, and lets another holder access funds in an emergency.

What should I consider before opening a joint account?

All holders have equal access to the money, which requires trust and clear agreements about how funds are used. It's also important to agree on how to split expenses and review activity regularly.

Frequently asked questions

Who can open a joint bank account?

Generally two or more people who share expenses, such as couples, family members, or business partners.

Do all holders have equal access to the money?

Yes, in a standard joint account, all holders can deposit, withdraw, and manage the money equally.

What happens if one holder has a legal or credit issue?

It can affect the whole account; it's important to consider this risk before opening a joint account.

Is it easy to close or unlink from a joint account?

The process varies by institution; it generally requires agreement or signatures from all holders.

How do I avoid conflicts in a joint account?

By agreeing upfront on how expenses are split, reviewing activity often, and keeping open communication between holders.

Is a joint account better than keeping separate accounts?

It depends on each person's situation; many couples and families combine both: a joint account for shared expenses and individual accounts for personal spending.

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

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

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

What Is a Check and What Is It Used For?

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

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

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

In general, a check contains the following information:

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

What Are the Different Types of Checks?

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

Personal Check

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

What Is a Personal Check Used For?

The most common uses for personal checks include:

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

Certified Check

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

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

Cashier’s Check

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

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

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

Money Order

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

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

It allows secure money transfers without requiring a bank account.

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

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

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1. Write the Date

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

2. Payee’s Name

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

3. Amount in Numbers

Write the numerical amount clearly.

4. Amount in Words

Write the amount in words, including cents.

5. Add a Memo

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

6. Sign the Check

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

7. Review the Information

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

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

How to Correctly Write Numbers in Words on a Check

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

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

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Cash Checks and Manage Your Money Easily with Comun

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

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

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

Why Choose Comun?

• Open your account with an official ID from your country

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

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

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

Frequently Asked Questions

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

What if I Make a Mistake Filling Out a Check?

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

How Do I Void a Check?

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

What Information Appears on the Back of a Check?

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

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With Común you can cash a check without going to a bank: take a photo of it in the app and the money is deposited into your account at no cost. You can also use the network of over 88,000 cash-deposit locations if you prefer to cash it in person.

How do I cash a check with the Común app?

Open the app, go to the check deposit section, take a photo of the front and back (make sure it's signed in the endorsement area), and confirm the amount. Mobile check deposit is at no cost.

How long does it take for the check funds to show up?

Timing varies depending on the amount and your account history; the app shows you an estimate before you confirm the deposit.

What are my options if I don't want to use mobile deposit?

Común has a network of over 88,000 cash-deposit locations, and you can withdraw at AllPoint+ ATMs at no cost (3 free withdrawals a month, then $2.50 per withdrawal).

Frequently asked questions

Does cashing a check through the Común app cost anything?

No, mobile check deposit through the app is at no cost.

What do I need to deposit a check through the app?

Just your phone with the Común app, the physical check signed in the endorsement area, and good lighting for the photo.

Can I cash any type of check with Común?

The app guides you through the process; make sure the check is current, properly signed, and has complete information before photographing it.

What happens if my check deposit is rejected?

The app will notify you if there's an issue with the deposit; check that the check's details are legible and complete.

Can I withdraw the cash from a deposited check at an ATM?

Yes, once the deposit shows in your account, you can withdraw at any AllPoint+ ATM at no cost (up to 3 times a month).

Does Común charge for each check I deposit?

No, mobile check deposit has no fee.

Money transfers have evolved from traditional methods like checks and money orders to instant digital solutions. With Común, most international remittances arrive within minutes, with no need to visit a branch.

The financial evolution of money transfer methods from traditional practices to digital innovations marks a crucial shift, revolutionizing how we think about and manage our finances in our bank accounts and beyond. This transition isn't just about technological advancement — it reflects a fundamental shift in user expectations, security standards, and global connectivity, especially in international money transfers and seamless bank account integration.

Accelerating Transactions: The Digital Revolution in Money Transfers

The rise of digital platforms and money transfer apps has transformed the speed and accessibility of transactions. Where bank transfers between financial institutions once took days to complete, digital innovations now enable instant money transfers, letting users transfer money around the world in just a few business days or even instantly. This monumental shift in convenience lets users send money or transfer funds from one bank account to another 24/7, without the traditional visit to a bank or credit union.

These changes encapsulate the journey from traditional methods like bank transfers and bank-to-bank transfers to the digital innovations now dominating our financial ecosystem. As we continue exploring these developments, it's clear that ways of transferring money — from using a debit card for instant transfers to leveraging payment app capabilities like Google Pay and Apple Pay — aren't just evolving, they're being redefined for a new era of global connectivity and digital empowerment, making money transfer apps an indispensable tool in our daily lives.

Navigating International Money Transfers: Considerations

Additionally, the rise of mobile apps, from money transfer services like Cash App to full banking apps, has democratized access to financial services. These platforms offer user-friendly interfaces that simplify the money transfer process, whether sending money abroad through international transfers or managing domestic transfers between checking and savings accounts within the same bank. This broadens financial inclusion, letting even those with a basic savings account or checking account participate easily in bank transfers and person-to-person payments.

It's equally important to have a solid understanding of the regulatory framework surrounding international money transfers. This includes being aware of anti-money laundering (AML) laws and the various transfer limits imposed by different countries. These regulations are designed to prevent financial crimes and ensure the security of cross-border transactions. Following these laws not only helps avoid legal complications, but also ensures your transactions process without unnecessary delays.

In addition to choosing the right service and understanding regulations, it's also helpful to be aware of the exchange rates offered by different services. Exchange rates can significantly affect the final amount received on the other end, especially for large transactions. It's also crucial to consider delivery times, especially if the transfer is time-sensitive. While some services can transfer funds almost instantly, others may take several business days. This can be particularly important in emergency situations or when making payments with strict deadlines.

Exploring Different Money Transfer Options: Wire, ACH, and Beyond

Digital advances have also introduced a new level of security and transparency to money transfers. With modern encryption and authentication technologies, including features like fraud detection, financial transactions — whether internal transfers, external transfers, or even online payments for online purchases — are safer than ever.

Money transfer apps have become a safe haven for personal finances, offering real-time transaction tracking and ensuring that transferring money — from a linked bank account via Automated Clearing House (ACH) transfers or direct deposit — stays secure and straightforward. ACH transfers stand out for domestic efficiency and cost-effectiveness, ideal for regular payments like salaries and bills. Additionally, traditional methods like checks, cash deposits, and money orders retain their usefulness for specific scenarios, offering tangible options in a predominantly digital world.

The Rise of Person-to-Person (P2P) Money Transfer Apps

P2P transfer apps have fundamentally transformed how we exchange money, making transactions as simple as sending a message. These apps let users send funds directly to others, using just an email address or phone number, eliminating the need for intermediaries. Among the many options available, several apps have gained prominence, each standing out for its distinctive features.

For example, some apps are celebrated for their integration with social networks, enhancing the social aspect of money transfers. Others prioritize security, offering advanced encryption and authentication methods to protect transactions. There are also apps designed to facilitate cross-border payments by simplifying the process of sending money internationally, offering competitive exchange rates and low fees. This diversity ensures there's a P2P transfer app suited to practically every need and preference, reflecting the dynamic, user-centered evolution of financial technology.

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Decoding the Costs: Fees in Money Transfers

The rise of mobile apps, from money transfer services like Cash App to full banking apps, has democratized access to financial services. These platforms offer user-friendly interfaces that simplify the money transfer process, whether sending money abroad through international transfers or managing domestic transfers between checking and savings accounts within the same bank. This broadens financial inclusion, letting even those with a basic savings account or checking account participate easily in bank transfers and person-to-person payments.

Understanding the fees associated with money transfers is pivotal for managing your finances effectively and avoiding unexpected costs. The fee landscape for transfers can vary significantly, spanning service charges, transaction fees, and currency conversion fees, among others. Transparency around these fees is crucial — so it's essential to choose services that offer clear, straightforward information about all the costs involved.

Service charges and transaction fees are often the most visible costs associated with transferring money. These can vary widely depending on the provider and transfer method chosen. For example, traditional bank transfers might carry higher fees compared to online platforms or mobile apps. Currency conversion fees also play a significant role, especially for international transfers, where money needs to be exchanged from one currency to another. Some services build their profit into the exchange rate offered, making it less favorable than the market rate. This practice underscores the importance of scrutinizing the exchange rates provided, not just the explicit fees.

This approach not only helps you make informed decisions, but also helps avoid hidden charges that can add up. To minimize these costs, adopting strategies like selecting the transfer method best suited to your needs — considering factors like speed, destination, and amount — and diligently comparing providers to find the best rates and lowest fees can lead to significant savings. By prioritizing transparency and using cost-minimizing strategies, users can navigate the complexities of money transfers more confidently and economically.

Send abroad with peace of mind with your Común account¹

Open your account in 3 minutes!

Conclusion

In conclusion, the shift from traditional methods to digital innovations in money transfers represents a significant advancement in financial management. Digital platforms and money transfer apps have revolutionized how we send money, providing unprecedented convenience, speed, and security. From seamless bank account transfers to the global reach of international money transfers, these digital solutions offer a full range of services that meet our diverse financial needs.

By emphasizing transparency, these platforms minimize hidden fees, making it easier than ever to manage our savings and checking accounts. Additionally, innovations like instant transfers and robust fraud detection technology have made money transfer apps a reliable option for consumers. As we continue embracing these digital advances, the essence of mastering money transfers lies in leveraging technology to enhance our personal finance capabilities, ensuring we can navigate the complexities of modern financial transactions with confidence and cost-effectively.

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How have money transfers changed over time?

From checks, money orders, and bank transfers that took days, to mobile apps that process payments and remittances in minutes.

What advantages do digital transfers have over traditional methods?

Greater speed, real-time tracking, and the ability to send money without leaving home. With Común, you can send a remittance from the app anytime.

Are traditional methods still useful?

Yes, checks and cash are still relevant in certain cases, such as when the recipient doesn't have a digital bank account.

Frequently asked questions

Why are digital transfers faster than traditional ones?

Because they use real-time processing networks, instead of the multi-day cycles of traditional banking methods.

Do I need to visit a branch to send money with Común?

No, the entire process happens through the app, with no need to visit any physical location.

Are traditional methods like checks still valid?

Yes, they're still useful in certain cases, though digital apps tend to be faster and more convenient.

How fast does a remittance sent through Común arrive?

Most arrive within minutes, depending on the country and delivery method.

Can I track my transfer in real time?

Yes, the app shows you your transfer's status while it's being processed.

Is sending money digitally safer than by check?

Both methods have different protections; digital apps usually offer additional verification and encryption.

Sending Money to Latin America? What You Need to Know About the New 1% Tax

If you send money home to Mexico, Guatemala, Colombia, El Salvador, Honduras, or anywhere else in Latin America, a new federal law may affect the fees you pay per money transfer, depending on how you send it.

On July 4, 2025, the United States enacted the One Big Beautiful Bill Act (OBBBA), Public Law 119-21, which introduced a new federal excise tax on certain international money transfers. The tax, set at 1% of the transfer amount, applies to remittances made on or after January 1, 2026. However, not all transfers are taxable.

If you send money from a US bank account or using a US-issued debit or credit card, your transfer is exempt from the tax by statute. The tax applies only when you pay with cash, a money order, a cashier's check, or a similar physical instrument.

Understanding whether this tax applies to you and how it may affect your transfers can help you send money home with fewer surprises.

What Is the New 1% Remittance Tax?

It imposes a 1% federal excise tax on certain outbound remittance transfers, meaning money sent from a sender in the United States to a recipient in a foreign country, through a remittance service provider.

The tax is codified under IRC Section 4475, added to the Internal Revenue Code by Section 70604 of the OBBBA. It applies to all senders, regardless of citizenship or immigration status.

The tax was effective for transfers made after December 31, 2025, with collection beginning January 1, 2026.

Who Pays the Tax? Who Doesn't?

The key factor is how you fund the transfer, not how much you send, not where it goes, and not your immigration or citizenship status.

This means that if you often send money back home with a remittance service provider with physical locations (for example Western Union or MoneyGram) and pay with cash, a 1% tax will be added to your total transfer amount.

However, if you send money through a digital app or bank account linked to your US checking or savings account, or pay with a US-issued debit or credit card, the transfer is exempt from the tax under Section 4475.

How Is the Tax Collected?

The tax is collected at the point of transfer. When a taxable transaction occurs, the remittance transfer provider is responsible for collecting the 1% from the sender at the time the transfer is made.

Providers must then deposit the collected taxes with the IRS on a semimonthly schedule and file quarterly returns.

The Remittance Landscape in 2026

For millions of families across Latin America, the money that arrives from a relative in the United States can pay the rent, cover school fees, or put food on the table. In 2024, Latin America and the Caribbean received an estimated $161 billion in remittances, the vast majority sent from the US. Mexico alone received over $63.3 billion. In countries like El Salvador, Guatemala, Nicaragua, and Honduras, remittances represent between 19% and 26% of GDP.

For people already stretching every dollar between their own expenses in the US and the needs of family back home, an additional cost on each transfer can have an impact. How much it affects you depends largely on the tools available to you.

Cash agent networks (Western Union, MoneyGram, Intermex):

These are the traditional in-person options, often used by senders who mostly manage cash. Transfers funded with cash at these locations are subject to the 1% tax.

Digital apps (Remitly, Wise, Xoom, Común, and others):

These platforms typically process transfers from a linked US bank account or US-issued debit or credit card. These payment methods are exempt from the tax under Section 4475. However, fees and exchange rate margins may vary by provider.

Bank wire transfers:

Transfers sent directly from a US bank account at a Bank Secrecy Act–compliant institution are exempt from the tax by statute. Bank wire fees can be higher than digital app fees.

What This Means for You

If you send money home regularly, you already know that there are costs involved: transfer fees, exchange rate margins, sometimes a fee on the receiving end. Now, depending on how you send money, there may also be a new 1% federal tax. That may not sound like much in isolation, but if you're someone already careful about managing what to keep and what to send, it can add up.

There is no single right answer for everyone. Some people that have a US bank account can shift to a digital transfer method. Others who don't have that option yet, or may have reasons for continuing to send through an agent location. Whatever your situation is, a few things may help:

Know what you're being charged:

Before confirming any transfer, you should be able to see the fee, the exchange rate, any applicable taxes, and the exact amount your family will receive. Review everything before you hit send. Some service providers, like Común, offer in-app tools to help you calculate the costs before sending anything.

Compare the total cost:

A provider that charges no transfer fee but offers a weaker exchange rate can potentially cost more than one with a modest flat fee and a fair rate. The number that matters is what arrives on the other end.

If you have a US bank account or debit card, ask your provider about your options:

Transfers funded from a US bank account or US-issued debit or credit card are exempt from the tax under the current statute.

Ask your provider directly how they handle the tax:

Some providers may have updated their apps, websites, or agent instructions. If you're sending via a digital channel linked to your US bank account or debit or credit card, ask whether that payment method qualifies for the statutory exemption.

Manage your remittances confidently with Común

Having an account to receive electronic payments, track your spending, and send money directly may help make managing your financial life in the U.S. more convenient. Común accepts more than 100 valid Latin American IDs to open a debit account. With Común you get:

• A $2.99 flat fee per remittance transfer, with no hidden charges
• A checking account held at Community Federal Savings Bank, Member FDIC. Deposits are FDIC insured up to the applicable limits
• Transparent, in-app pricing where you can see exactly what each transfer will cost, including fees and the exchange rate, before you confirm
• 24/7 customer support in Spanish
• Cash pickup options for your recipient
• The ability to send transfers from the comfort of your phone

To learn more about Común's remittance services, visit comun.app/remittances.

FAQ

What is the new 1% Remittance Tax?

It is a federal excise tax introduced by the One Big Beautiful Bill Act (OBBBA), Public Law 119-21, codified as IRC Section 4475. It imposes a 1% tax on certain outbound money transfers from the United States to recipients in foreign countries. It applies only to transfers funded with cash, money orders, cashier's checks, or similar physical instruments.

When does the new remittance tax take effect?

The tax applies to remittance transfers made on or after January 1, 2026. It was signed into law on July 4, 2025, as part of the OBBBA. The IRS granted penalty relief to providers for the first three quarters of 2026, with full enforcement expected beginning Q4 2026.

Who has to pay the 1% tax?

The tax is owed by the sender, but it is collected and remitted to the IRS by the remittance transfer provider at the time of the transfer. It applies to all senders, regardless of citizenship or immigration status.

Are all money transfers from the US subject to the new tax?

No. The tax applies only to transfers funded with cash or physical instruments. Transfers funded from a US bank account at a Bank Secrecy Act–compliant institution, or paid with a US-issued debit or credit card, are exempt from the tax by statute.

How is the tax collected?

The remittance transfer provider collects the 1% tax from the sender at the time of transfer. Providers must deposit collected taxes with the IRS on a semimonthly schedule and file quarterly returns using Form 720.

How can I tell if my transfer is taxable?

It depends on how you're funding the transfer. If you are paying with cash, a money order, or a cashier's check at a remittance agent, the 1% tax likely applies. If you are sending money through a digital app or bank account using your US checking account or a US-issued debit or credit card, the transfer may be exempt under the current statute. Ask your provider directly to confirm how your specific payment method is classified.

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How to call Colombia from the U.S. in 2025 easily and affordably

The Colombian community has a strong presence in the U.S., with many immigrants arriving each year to visit, live, study, and work.

Staying in touch with family across borders matters. That’s why it’s useful to know the different ways to make international calls from the U.S. While it can seem tricky, it’s easy if you have the right codes.

If you want to call loved ones back home in Colombia, below you’ll find step-by-step dialing instructions from the U.S., examples, and a full area-code table.

Basic steps to call Colombia from the USA

Before calling anyone in Colombia, know the sequence: international prefix + country code + local number.

1. Enter the U.S. exit code – 011

This is the international prefix from a landline. If you’re using a mobile phone, use the “+” sign instead.

2. Dial Colombia’s country code – 57

This identifies Colombia in the international telephone system.

3. Dial the local number in Colombia

For landlines include the city area code. For mobile phones, dial the full 10-digit mobile number.

Examples:

• Call Bogotá (landline): 011 + 57 + 1 ####### 
• Call Medellín (landline): 011 + 57 + 4 #######

If you’re still planning a move to the U.S., don’t miss our guides on cost of living and the minimum wage.

Area codes and dialing examples for Colombian cities

There’s a difference between calling a landline and a mobile in Colombia from the U.S.: landlines need the regional area code; mobiles are dialed using the “+” format on cell phones.

Below you’ll find the area codes for Colombia’s main cities to ensure you dial correctly when contacting your family.

City

Area code

U.S. dialing example

Bogotá

1

011 57 1 #######

Medellín

4

011 57 4 #######

Cali

2

011 57 2 #######

Barranquilla

5

011 57 5 #######

Cartagena

5

011 57 5 #######

Bucaramanga

7

011 57 7 #######

Pereira

6

011 57 6 #######

Cúcuta

7

011 57 7 #######

Santa Marta

5

011 57 5 #######

Manizales

6

011 57 6 #######

Digital alternatives and budget-friendly plans to call Colombia

The phone is a favorite way to bridge distances and stay in touch with loved ones across borders.

Years ago, international rates were expensive, making frequent calls home difficult.

Today, digital options have lowered costs and made cross-border communication much easier.

Below we show some affordable options to help you stay in touch with the people who matter most.

• Internet-voice apps (VoIP):

Mobile apps are hugely popular worldwide. They enable texting, voice notes, and voice/video calls over Wi-Fi or data—significantly cutting costs. 

WhatsApp is the most popular, and other solid options include FaceTime, Google Voice, and Skype.

• International calling plans from your U.S. carrier:

If you prefer traditional calling, look for an international plan from your U.S. provider with minutes to Colombia—great for frequent calls.

You can pick plans with minutes to landlines and mobiles or Colombia-specific bundles.

Examples of U.S. carriers include AT&T Prepaid, T-Mobile, Verizon, and Ultra Mobile. Options range from unlimited international add-ons and prepaid plans with international calling to limited-minutes bundles and mixed data/calling packages.

• Prepaid calling cards as a flexible option:

If you’re in the U.S. for only days or weeks, a mobile plan may be overkill. A prepaid calling card can be ideal—no PINs in many cases and you only pay for the minutes you use.

Stay connected with family in Colombia with Común

As you’ve seen, calling Colombia from the U.S. is straightforward—just use the correct codes. You can also choose affordable alternatives like mobile apps or prepaid cards.

Staying in touch shows care and support. It also helps to have accessible services to send money and support their well-being.

Meet Común your direct link to the ones you love!

• International money transfers: the simplest way to send remittances to family with fair, transparent pricing.

• Común’s mobile app in Spanish and English: open an account with 100+ eligible official IDs and get support in your language.

Ready to revolutionize how you connect with your finances?

Open your Común account today and complement your calls with a fintech platform that supports your financial life in the U.S.

Frequently Asked Questions (FAQ)

Still have questions? Check our FAQ section below.

What if I don’t dial 011 or “+”?

If you don’t dial 011 from a landline or “+” on mobile, your call won’t be recognized as international and will fail as a local call.

What’s the cheapest way to call Colombia from the USA?

There are several affordable options—apps like WhatsApp, Skype, or Google Voice; prepaid calling cards; or an unlimited international plan. The best choice depends on your habits and how often you call.

How much does it cost to call Colombia from the USA?

Costs vary by method. For example, AT&T offers unlimited add-ons around $15/month and Verizon offers 300 minutes for about $10/month.

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