Financial Education
How to fill out a money order: step-by-step guide
Step-by-step guide to filling out a money order correctly in the U.S.: what to write, where to sign, how to keep your receipt, and what digital alternatives exist.
8 min read
22 Jun 2026
How to fill out a money order
A money order is a prepaid paper payment often used for rent, bills, or sending money securely through the mail. To fill one out correctly, you need to add the recipient's name, your information, sign the front, and keep the receipt for tracking or replacement purposes.
Money orders are still widely used in the United States, especially for situations where people need a secure paper payment method. Even in 2026, many landlords, utility companies, government offices, and individual recipients continue to accept or require money orders for certain payments.
For many people, especially immigrants, newcomers to the United States, or people without a traditional bank account, money orders can feel more accessible than personal checks. Filling out a money order incorrectly can cause delays, make the payment invalid, or create problems if the money order is lost. Knowing exactly what information to write and where to write it can help avoid unnecessary stress.
What is a money order?
A money order is a prepaid paper payment that works similarly to a check. Instead of drawing money directly from a bank account, you pay the full amount upfront when purchasing the money order.
Once completed, the money order can usually be:
- Mailed to a recipient
- Deposited into a bank account
- Cashed at approved locations
Because the payment is prepaid, money orders are often considered safer than mailing cash. Money orders are commonly used for:
- Rent payments
- Utility bills
- Government fees
- Payments sent through the mail
- Sending money to family members
- Situations where personal checks are not accepted
Most money orders also include a receipt or tracking number that can help verify whether the payment was cashed. Unlike many digital payment apps, money orders are not typically trackable in real time.
When to use a money order vs other options
Money orders can still make sense in certain situations, especially when:
- A landlord only accepts money orders
- You do not have a U.S. checking account
- You need to mail a secure payment
- The recipient does not use digital payment apps
- You do not want to share banking information
Where to buy a money order
USPS (United States Postal Service):
One of the most common places to buy money orders. Domestic money orders typically cost between $1.45 and $1.95. USPS money orders never expire.
Walmart:
Many Walmart locations offer money orders through MoneyGram services. Fees can be lower than traditional banks, although limits apply depending on the location.
Western Union:
Western Union locations also sell money orders. Some stores offer extended hours.
Banks and credit unions:
Some banks and credit unions issue money orders to account holders. Fees may vary depending on whether you already bank with the institution.
Step 1: Fill out the recipient's name
Write the recipient's full legal name in the "Pay to," "Pay to the Order of," or "Payee" section.
Tips:
- Write clearly using black or blue ink
- Double-check spelling
- Avoid nicknames unless specifically requested
- Do not leave this section blank
If the name is incorrect, the recipient may have trouble depositing or cashing the money order. Once the recipient's name is written, only that person should be able to cash or deposit the money order with valid identification.
Step 2: Fill out the sender's name and address
Write your own information in the purchaser or sender section. The form may ask for: full name, address, city and state, phone number. This helps identify who purchased the money order if there is a problem later.
Step 3: Sign the front and add a memo
Sign only where the purchaser or sender is instructed to sign on the front.
Do not sign the back.
The back is reserved for the recipient when they cash or deposit the money order.
Some money orders also include a memo or account number section. Examples: apartment number for rent, utility account number, invoice number, purpose of payment.
Step 4: Keep your receipt
The receipt usually contains: tracking information, serial number, purchase amount, date of purchase.
Keep the receipt until the money order has been cashed or deposited successfully. If the money order is lost, stolen, or delayed, the receipt may help you: request a replacement, verify whether it was cashed, contact customer support, file a claim.
Common mistakes to avoid
Leaving fields blank:
Fill out the money order completely before handing it over or mailing it.
Using incorrect recipient information:
Misspelled names or incorrect business information can delay the payment process.
Signing the back:
Only the recipient should sign the back of the money order.
Throwing away the receipt:
Always keep your receipt until the payment is confirmed.
Using pencil or unclear handwriting:
Use permanent ink and write clearly.
Mailing cash instead:
Money orders are generally safer than sending cash through the mail.
Alternatives to money orders (digital options)
Common digital alternatives include: Venmo, Cash App, Zelle, bank transfers, debit card payment apps.
For people who regularly send money within the United States or to Latin America, Común offers digital transfer options through ComunPay.
ComunPay allows eligible users to send money using: payment links, QR codes, phone numbers, email addresses, usernames, debit cards. Unlike traditional mailed money orders, digital transfers inside apps can usually be tracked directly from the phone.
Común also offers international remittances to Latin America starting at $2.99.
Choosing the right payment option for your needs
Money orders continue to play an important role for many people in the United States, especially for rent payments, government forms, mailed payments, or situations where paper documentation is preferred. For everyday sending between family members, friends, or trusted contacts, digital payment tools may feel more practical and easier to track.
FAQ
How much does a money order cost?
Money orders typically cost between $1.45 and $10 depending on the issuer, amount, and location. USPS money orders commonly range from $1.45 to $1.95.
Can a money order be cashed by anyone?
No. Once the recipient's name is written, only that person should be able to cash or deposit it with valid identification.
How long is a money order valid?
Many money orders do not expire. USPS money orders do not expire.
What happens if I make a mistake on a money order?
Avoid crossing information out. Contact the issuer about replacement options.
Can I track a money order?
You can usually verify whether it was cashed by contacting the issuer with your receipt information.
What is a digital alternative to a money order?
Venmo, Cash App, Zelle, and ComunPay for peer-to-peer transfers. Común also offers international remittances to Latin America starting at $2.99.
Común is a financial technology company and not a bank. Banking services are provided by Community Federal Savings Bank, Member FDIC. The Común Visa® Debit Card is issued by Community Federal Savings Bank. Peer-to-peer payments services are provided by Cross River Bank. No minimums, no maintenance fees. Remittance service provided by Service UniTeller, Inc. Remittance fees start at $2.99 but may vary. Común Inc. may earn revenue from the conversion of foreign currencies.
About Común
Común aims to support the Latino community in the United States. It offers a debit account that can be opened with more than 100 valid Latin American IDs and an app available in Spanish.
Visit Común's website or download the app for free to learn more about the full offer and applicable terms.
Olivia Rhye
Community Partner
Financial Education
How to Endorse a Check: Your Safe and Detailed Step-by-Step Guide
8 min de lectura
Despite the fact that digital payment methods have gained significant relevance practically worldwide, checks remain essential for carrying out certain transactions, especially for people without a banking account.
According to recent data, 61% of Americans still use checks. However, 17% have been victims of check fraud.
Knowing how to endorse a check in the United States is a necessary security measure to prevent fraud. While it can be a confusing procedure, it is crucial to understand it in order to avoid issues.
In this article, we will explain step-by-step how to correctly endorse checks, as well as the information you need to write on the back in order to cash the stated amount.
What Is a Check Endorsement and Why Is It So Important in the U.S.?
A check endorsement is a signature on the back of the check that serves as authorization for it to be cashed at a financial institution.
Its main function is to validate the cashing of the check, as well as authorize the transfer of funds, or to transfer the right to another person.
Knowing how to endorse a check is essential because it is a primary security requirement in the U.S. financial system, serving as a protection measure for the holder and the deposited funds.
What Is the Correct Way to Endorse a Check, and Where Should You Sign?
Below, we show you how to complete the endorsement before cashing checks at the bank.
Step 1: Verify the Check Details
Make sure the details on the front of the check are correct, such as the payee’s name, the amount in numbers and words, and the banking institution.
Step 2: Locate the Endorsement Area
Turn the check over and locate the statement “Endorse Here” or “Do not write below this line.” Avoid writing below the marked area.
Step 3: Sign the Check Precisely
Sign the check in the designated box, according to the type of endorsement you require. Next, we will explain everything about the different types.
But what should you do if the payee’s name is incorrect?
Example of How to Endorse a Check if the Name Is Misspelled
If the payee’s name is incorrect, you should first sign as it appears and then sign again with the corrected name.
James Smit — James Smith
Step 4: Consider a Restrictive Endorsement (Highly Recommended!)
A restrictive endorsement is a security measure to prevent an unauthorized third party from cashing the check, as it limits the form of payment to a registered banking account. It is linked to the information provided on the back of the check.
Step 5: Multiple-Payee Endorsements
If the check is made out to more than one payee, one or all may need to sign the endorsement, depending on how it is written.
- Katy Adams and Mark Palmer: Signatures from both are required
- Katy Adams or Mark Palmer: One signature is sufficient
- Katy Adams and/or Mark Palmer: Depending on the intermediary bank, one or two signatures may be required
- Katy Adams, Mark Palmer, etc.: The bank determines whether one or all signatures are necessary
Types of Endorsements: Know the Options for Your Checks
Before endorsing your check, verify which type is most suitable depending on the transaction you need to perform. For example, a restrictive endorsement is a way to secure your money, just like using modern financial alternatives such as Común, a comprehensive service that gives you access to unified and efficient financial tools.
Blank Endorsement
A blank endorsement is carried out when the same payee cashes the check in cash. In this case, only the signature in the designated area is needed.
Restrictive Endorsement
A restrictive endorsement is a security measure to ensure that the funds are deposited into a specific banking account.
To do this, you must include the statement “for deposit only to” + bank name, account number, and signature.
This is the most recommended method for Común users who make deposits via mobile, as it provides protection for the check in case of loss and ensures that the money is deposited into the designated account.
Third-Party Endorsement
If the check will be cashed by a third party, it must be endorsed as follows.
Pay to the order of: (name of another person) + signature
It is important to exercise extreme caution with this type of endorsement. Use it only with trusted individuals, and in case of theft or loss of a check, report it to the financial institution immediately.
Business Endorsement
A business endorsement is made when a check is cashed in the name of a company. This requires including the full name of the company, followed by the signature of the authorized legal representative.
Mobile Deposit Endorsement
To deposit check funds through a mobile application or mobile banking, it must be endorsed as follows:
For mobile deposit only + your signature.
Deposit your endorsed check easily and securely using Común
Cashing checks is a process that requires special care and attention in order to avoid mistakes and setbacks that could affect the transaction.
This time, we learned the importance of correctly endorsing a check in the United States, as well as the different types that exist, according to the available cashing methods.
Now that you know how to fill out a check on the back, you can rely on Común to deposit the funds through the mobile app.
Skip the lines: Deposit your check from the app; availability of funds may vary.
Común offers you the necessary security to protect your money and personal data
It is an accessible platform for immigrants in the United States; request to open your account with documentation from your country
Get customer support in English and Spanish, available 24/7
Access a comprehensive mobile app to manage your personal finances in the simplest way
Común will not only make the check deposit process easier, but it will also transform your financial life in the United States. Open your account today and find out.
Frequently Asked Questions
Is it mandatory to endorse a check in the United States?
In most cases, yes, it is necessary. If you request a deposit through an ATM or application, the bank may not require an endorsement.
What happens if I sign the check incorrectly when endorsing it?
Avoid cross-outs or scratches and endorse the check again. If the bank rejects it, ask the issuer to issue a new one.
Can I endorse a check to another person?
You can endorse a check so that it can be cashed by another person with the statement “pay to order of” along with the payee’s name. However, this process is restricted according to each bank’s specific policies.
Is it safe to deposit a check with the mobile app?
It is safe to deposit a check through the Común mobile app, as your data is encrypted and it includes other security measures such as two-step verification.
Financial Education
What is ACH and why is it important for sending and receiving money in the U.S.?
8 min de lectura
If you need to make bank transfers in the United States, it will be useful to know what the ACH network is and understand its importance in the country’s banking system.
ACH (Automated Clearing House) is an Automated Clearing House that handles the processing of electronic transfers between U.S. accounts.
It is highly relevant for receiving direct payroll deposits, also known as ACH credits, and for processing recurring payments, due to several advantages compared to the traditional bank network, such as cost reduction and traceability of operations.
According to official sources, in 2024 the ACH payment network processed around 33.6 billion electronic payments, with a value close to $86.2 trillion, underscoring the importance of this method in the U.S. financial system.
On this occasion, we will explain in detail the advantages of this type of transaction and provide some recommendations so you can get the most out of them.
What is ACH and how does it work?
ACH or Automated Clearing House is a network that allows money to move between banks, credit unions, and other financial institutions in the United States, where the use of cash or checks is not necessary, because everything is processed electronically.
The central part of this system is NACHA (National Automated Clearing House Association), which oversees compliance with the rules and ensures transfers are carried out according to established security standards.
It is very likely that in your daily life you have already used the ACH system without noticing it. For example, for:
- Payroll deposits: every time you receive your salary in your bank account.
- Bill payments: to pay basic services such as electricity and internet automatically.
- Transfers between people: when you make an electronic transfer to a friend or to your own accounts.
Differences between ACH payments and other transfer methods
In the United States, there are different systems for moving money. In addition to the ACH network, you can rely on more traditional networks such as wire transfers and checks.
The main difference with other bank transfer systems is that ACH focuses on electronic, secure, and low-cost payments, which take longer than other options that tend to be more expensive; whereas ACH transfers are more suitable for recurring payments and direct deposits.
Below, we show you a comparative table so you can visualize the fundamental differences between ACH payments and other methods.
| ACH | Wire transfer | Check | |
|---|---|---|---|
| Transaction speed | From 1 to 2 business days | From minutes to hours | From 2 to 5 business days |
| Cost per transaction | Free or reduced | Variable, around $25 to $50 USD | There may be issuance costs |
| Geographic availability | Only within the United States | National and international | National and sometimes international |
| Most common use | Payroll payments, bills, transfers between accounts, automatic payments | Transfers of large amounts of urgent money | Traditional payments between people without access to a bank account |
Benefits and some recommendations when using ACH payments
One of the main advantages of ACH payments is the security involved in using this system to transfer money. This is because it is regulated by an organization called NACHA, which verifies each transaction based on financial system regulations, thereby reducing the chances of fraud.
Despite the trust that ACH transfers provide, they also present some limitations.
These are the most common benefits and limitations of the ACH system:
Benefits
- It is the lowest-cost method of transferring money, as transactions are free or have minimal fees
- Transactions are protected by NACHA regulations, which guarantees their security
- It is a system well-suited for processing recurring payments and subscriptions
- It is easy to track operations, because all are recorded in the banking system
Limitations
- Transactions take longer to complete. Generally, they are reflected the next day or up to two business days later
- International money transfers cannot be made, only within the United States
- Some banks may set daily limits, so it is not advisable for moving large amounts of money
If you need an alternative for making recurring payments and direct deposits to a bank account within the United States, the ACH network is a popular alternative due to its security standards and accessibility. But if you are looking for other types of financial services, you can consider more comprehensive options.
At Común we make your ACH payments easier
As you can see, ACH payments are a reliable option for making and receiving money transfers, as long as they are scheduled transactions within the United States and within the limits set by banks.
It is very important to have a reliable and transparent partner to move your money and manage your personal finances in a comprehensive and efficient way.
Meet Común, the platform that integrates the ACH network for direct deposits, payments, and transfers, and uses a service that has clear and visible rates in the mobile app.
Discover everything Común offers you!
- Open your account with a qualified official ID from your country of origin—we accept more than one hundred of them!
- Get a debit card and make purchases easily
- Deposit cash at hundreds of locations near you
- Make international money transfers for a fee starting at $2.99 USD, up to the available limits
- Be part of a service that speaks your language and understands the needs of immigrants working in the United States
Don’t wait any longer—open your account at Común!
Frequently Asked Questions (FAQ)
If you have questions about what ACH is and what it is for, consult our Frequently Asked Questions section.
How long does an ACH transfer take?
Generally, ACH transfers take 1 to 2 business days. It is also possible they are completed the same day if the bank offers the same-day ACH option.
How much does it cost to send money via ACH?
ACH transfers are usually free up to the applicable limits. Some banks charge a minimal fee, around $3 USD. It is a more economical option than a wire transfer, which can cost more than $50 USD.
Is it safe to use ACH for personal payments?
Yes, ACH transfers are regulated by the NACHA system, so they are easily traceable and protected with anti-fraud security measures.
Can I use ACH if I don’t have a bank account in the U.S.?
No, to send money through the ACH system you need an account number from a U.S. bank or credit union. Otherwise, you can resort to more accessible alternatives such as Venmo, PayPal, and Común.
What is an ACH payment?
An ACH payment is a money transfer processed through the ACH system and managed by NACHA (National Automated Clearinghouse Association).
What is a wire transfer?
A wire transfer is a payment method that allows money to be moved from one bank to another electronically, both nationally and internationally.
Instant payments
5 mejores apps para mandar dinero en Estados Unidos
8 min de lectura
En la era digital, enviar y recibir dinero se ha vuelto más fácil y rápido que nunca. Existen aplicaciones móviles que nos permiten transferir fondos a amigos, familiares y negocios con solo unos clics en nuestro teléfono. En este artículo, te presentamos las mejores y más populares aplicaciones para enviar dinero de forma segura y eficiente.
1. Zelle:
Zelle es una aplicación de transferencia de dinero desarrollada por un consorcio de bancos de EE. UU. que permite a los usuarios enviar y recibir dinero directamente entre cuentas bancarias. Al estar vinculado a las cuentas bancarias, Zelle ofrece una forma rápida y segura de transferir dinero sin la necesidad de una aplicación de terceros. Para utilizar Zelle, solo necesitas una dirección de correo electrónico o un número de teléfono móvil y una cuenta en un banco participante. Aunque sea la opción más popular en Estados Unidos en estos momentos, tiene mucho trabajo que cumplir para mejorar la accesibilidad en español.
2. Común:
De las aplicaciones en esta lista Común es, sin duda, la mejor para la comunidad Latina en Estados Unidos. La experiencia del app de Común es totalmente en español, clara y rápida. Cuenta con servicio al cliente 100% en español. Con líneas de teléfono, chat, y mensajes de texto, Común es el app para mandar dinero más accesible para aclarar dudas. Además de las transferencias personales sin límites, Común también ofrece una cuenta bancaria y guías para poder conectar Común con Zelle, Paypal, Venmo y Cashapp. Asi es, aparte de ser una de las mejores apps para mandar dinero, con Común puedes conectarte a todos los apps en esta lista. Las cuentas Común están aseguradas por el FDIC hasta $250,000.
3. PayPal:
PayPal es, sin duda, una de las aplicaciones de pago en línea más conocidas y utilizadas en todo el mundo. Con una presencia global en más de 200 países, permite a los usuarios enviar y recibir dinero en diferentes monedas. Además de las transferencias personales, también es ampliamente utilizado para pagos en línea en tiendas y plataformas de comercio electrónico. Cuenta con una función de protección al comprador y vendedor que brinda mayor seguridad en las transacciones.
4. Cash App:
Cash App, desarrollada por Square, es otra aplicación popular para enviar y recibir dinero en los Estados Unidos. Con Cash App, puedes vincular tu tarjeta de débito o crédito para realizar pagos rápidos a amigos y negocios. Además, la aplicación permite comprar y vender criptomonedas como Bitcoin y ofrece un programa de recompensas llamado "Boosts", que brinda descuentos en compras en establecimientos seleccionados.
5. Venmo:
Venmo es una aplicación propiedad de PayPal, especialmente popular entre los jóvenes en los Estados Unidos. Permite enviar y recibir dinero rápidamente entre amigos y conocidos, incluso con mensajes y emojis personalizados. Aunque Venmo es gratuito para transferencias personales, tiene una pequeña comisión para recibir pagos por servicios o ventas. Una característica distintiva de Venmo es su componente social, ya que permite a los usuarios ver y comentar las transacciones públicas de sus amigos.
Enviar y recibir dinero nunca ha sido tan fácil como con estas aplicaciones populares y confiables. Cada una de ellas ofrece características y ventajas únicas, desde la presencia global de PayPal hasta la flexibilidad y accesibilidad de Común. Asegúrate de investigar y comparar las diferentes aplicaciones para encontrar la que mejor se adapte a tus necesidades y preferencias. ¡Comienza a realizar transferencias de dinero de manera rápida y segura hoy mismo!
Living in the United States
Todo lo Que Necesitas Saber Sobre Cuentas Bancarias en EEUU: Apertura, Uso y Gestión
8 min de lectura
Cuentas Bancarias
Tener una cuenta bancaria es esencial para gestionar tu vida financiera de manera eficiente y ofrece numerosos beneficios prácticos. Una de las principales ventajas es el almacenamiento seguro del dinero. A diferencia de mantener efectivo en casa, que puede ser vulnerable a robos, pérdidas y daños, el dinero guardado en una cuenta bancaria es seguro y protegido. Además, las cuentas bancarias proporcionan una gran conveniencia para las transacciones diarias. Puedes pagar facturas fácilmente, recibir depósitos directos, retirar efectivo y hacer compras con una tarjeta de débito vinculada a tu cuenta. La banca moderna también te permite gestionar tus finanzas desde prácticamente cualquier lugar a través de plataformas de banca en línea y móvil.
Tipos de Cuentas Bancarias: Corriente y de Ahorros
En el ámbito de las finanzas personales, entender los diferentes tipos de cuentas bancarias es crucial.
- Cuentas Corrientes: Las cuentas corrientes, a menudo llamadas cuentas corrientes personales, están diseñadas para transacciones diarias como depositar dinero y compras con tarjeta de débito. Frecuentemente vienen con la opción de depósitos directos y pagos de facturas en línea. Entender las diferencias entre las cuentas corrientes y de ahorros es esencial, especialmente cuando se consideran promociones y bonificaciones bancarias que a menudo presentan ofertas específicas para abrir nuevas cuentas corrientes y de ahorros, incluyendo requisitos de depósitos directos y depósitos mínimos para calificar para bonificaciones en efectivo.
- Cuentas de Ahorros: Las cuentas de ahorros, incluidas las formas especializadas como la cuenta de ahorros de Barclays, están destinadas a almacenar dinero durante un período más largo, a menudo con el objetivo de construir un fondo de emergencia. Estas cuentas pueden ofrecer una tasa de interés más alta y, a veces, requieren un saldo mínimo. La combinación de cuentas corrientes y de ahorros puede proporcionar una solución bancaria integral, ofreciendo tanto la flexibilidad de las transacciones diarias como el beneficio de ganar intereses sobre ahorros a largo plazo, lo cual es particularmente ventajoso cuando los bancos ofrecen promociones y bonificaciones para estas cuentas.
- Cuentas del Mercado Monetario y CD (Certificado de Depósito): Generalmente ofrecen rendimientos porcentuales anuales más altos que las cuentas de ahorros regulares, bloqueando los fondos durante un período especificado para lograr mejores retornos.
Entender estas opciones ayuda a alinear los servicios bancarios con tus objetivos financieros, ya sea que estés considerando abrir una cuenta corriente empresarial o una cuenta de ahorros conjunta en el mismo banco o cooperativa de crédito.
Abrir tu Primera Nueva Cuenta Bancaria
Para abrir una cuenta, particularmente una nueva cuenta bancaria en línea, comienza eligiendo la institución financiera adecuada: puede ser un banco solo en línea, un banco tradicional o una cooperativa de crédito, dependiendo de tus necesidades y preferencias financieras. Considera factores como la accesibilidad, el servicio al cliente, las estructuras de tarifas y la disponibilidad de funciones de banca en línea y móvil al seleccionar dónde abrir tu cuenta.
El proceso generalmente implica hacer un depósito inicial, que puede variar pero a menudo es un depósito mínimo de apertura. Cumplir con el depósito mínimo es crucial para calificar para las bonificaciones de la cuenta. Algunas instituciones pueden requerir solo unos pocos dólares, mientras que otras pueden pedir una cantidad mayor, especialmente para cuentas premium o especializadas. Durante la fase de apertura de la cuenta, necesitarás proporcionar información personal como un número de Seguro Social o un Número de Identificación del Contribuyente Individual, y una identificación emitida por el gobierno, como un pasaporte o licencia de conducir. Esta información ayuda al banco a garantizar el cumplimiento de los requisitos regulatorios, incluyendo los relacionados con el lavado de dinero.
Muchos bancos ofrecen bonificaciones de cuenta bancaria o una bonificación de cuenta corriente a nuevos clientes de cuentas corrientes, lo cual puede ser un incentivo atractivo. Abrir una cuenta corriente personal en América viene con bonificaciones y recompensas específicas, incluyendo bonificaciones en efectivo por cumplir ciertos requisitos como un depósito directo calificado. Para calificar para estas bonificaciones, los clientes a menudo necesitan cumplir con criterios como un depósito mínimo dentro de un cierto plazo y mantener ese saldo por un período específico. Por ejemplo, algunas instituciones financieras ofrecen bonificaciones en efectivo por configurar un depósito directo calificado. Este incentivo a menudo requiere que recibas un pago regular, como un salario o un beneficio gubernamental, directamente en tu nueva cuenta dentro de un cierto período de tiempo desde la apertura de la cuenta. Asegúrate de entender los términos y condiciones asociados con estas bonificaciones, como los requisitos de saldo mínimo y la duración de los depósitos directos.
Además, pregunta sobre cualquier tarifa potencial asociada con la cuenta, como tarifas de mantenimiento mensual, tarifas de uso de cajeros automáticos y cargos por sobregiro. A veces, los bancos ofrecen exenciones de tarifas en ciertas condiciones, como mantener un saldo mínimo o incluso por inscribirse en depósitos directos. También es beneficioso preguntar sobre las políticas de sobregiro del banco. Algunos bancos ofrecen programas de protección contra sobregiros, que pueden evitar que incurras en tarifas si accidentalmente sobregiras tu cuenta. Este servicio puede ser un salvavidas para los nuevos titulares de cuentas no familiarizados con la gestión de su saldo, pero típicamente viene con un costo adicional.
Por último, considera las opciones de servicio al cliente y soporte del banco. Un soporte al cliente confiable puede ser invaluable, especialmente si encuentras problemas con tu cuenta o necesitas orientación sobre el uso de los servicios bancarios. Al considerar cuidadosamente estos aspectos, puedes asegurar que tu primera experiencia bancaria sea positiva y financieramente beneficiosa. Recuerda, el banco adecuado para otra persona podría no ser el banco adecuado para ti, así que elige basado en tus circunstancias y necesidades financieras específicas.
Común es una Excelente Opción para tus Necesidades Bancarias en USA
Si buscas una solución bancaria confiable y moderna en los Estados Unidos, Común es la opción perfecta para ti. Común es un banco digital diseñado para todos, especialmente para la comunidad de inmigrantes, ofreciendo una experiencia bancaria sin complicaciones, sin cargos ocultos y con herramientas en español que facilitan la gestión de tus finanzas. Con Común, puedes abrir una cuenta en minutos desde tu teléfono, recibir tu tarjeta de débito gratuita y comenzar a disfrutar de beneficios como transferencias sin costo, depósitos directos y acceso a más de 55,000 cajeros automáticos gratuitos en todo el país. Además, Común se preocupa por tu seguridad, implementando medidas avanzadas para proteger tu dinero y tus datos. No esperes más y únete a la comunidad de Común para una experiencia bancaria que entiende y apoya tus necesidades únicas.
Abre tu cuenta corriente¹ en 3 minutos con la ID de tu país²
Mas información sobre cuentas bancarias en Estados Unidos
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Las mejores practicas para gestionar tu cuenta
Gestión Efectiva de la Cuenta
La gestión efectiva de las cuentas bancarias va más allá del simple monitoreo de saldos; abarca un enfoque integral de la administración financiera. Esto implica entender y reducir las tarifas de la cuenta, que pueden incluir el mantenimiento mensual, el uso de cajeros automáticos y los cargos por sobregiro. Una forma de minimizar estas tarifas es cumpliendo con los requisitos de saldo mínimo o inscribiéndose en depósitos directos, ya que muchos bancos ofrecen exenciones de tarifas bajo estas condiciones.
El uso de herramientas de banca en línea y móvil es esencial para una gestión financiera eficiente. Estas plataformas permiten el monitoreo en tiempo real de las transacciones, la transferencia inmediata de fondos y el acceso rápido a estados de cuenta y documentos bancarios, lo cual puede ayudar en la elaboración de presupuestos y la preparación de impuestos. Configurar pagos automáticos de facturas es otra característica crucial, asegurando que todos los pagos se realicen a tiempo, evitando así cargos por pagos atrasados e interrupciones en los servicios.
Para aquellos que gestionan múltiples cuentas, como una cuenta corriente empresarial y una cuenta corriente personal, vincular estas cuentas puede simplificar la gestión del dinero. Permite transferencias más fáciles entre cuentas y una vista consolidada de las finanzas, lo cual es particularmente beneficioso para los propietarios de pequeñas empresas que necesitan mantener separados los gastos personales y empresariales. Además, tener múltiples cuentas bancarias puede ofrecer beneficios significativos, como separar fondos para diferentes propósitos—como gastos diarios, ahorros e inversiones—y atender necesidades financieras individuales o conjuntas, incluyendo para viajes internacionales o propósitos empresariales.
Además, la banca móvil ha revolucionado el acceso a los servicios financieros, permitiendo a los usuarios realizar una variedad de tareas bancarias desde sus dispositivos, como verificar saldos, depositar cheques de forma remota y retirar efectivo en cajeros automáticos sin una tarjeta física. Esta conveniencia, sin embargo, debe equilibrarse con prácticas de seguridad diligentes para proteger los datos financieros.
Seguridad y Protección
La seguridad de una cuenta es crítica para proteger los activos financieros de posibles amenazas como el fraude y el robo de identidad. Los bancos, ya sean en línea o tradicionales, implementan medidas de seguridad robustas, incluyendo cifrado, certificados de capa de conexión segura (SSL) y monitoreo continuo de actividades sospechosas. Sin embargo, la responsabilidad también recae en el titular de la cuenta para mejorar su seguridad personal.
Habilitar la autenticación de dos factores agrega una capa adicional de seguridad, reduciendo significativamente el riesgo de acceso no autorizado. Usar contraseñas fuertes y complejas y cambiarlas regularmente son prácticas fundamentales para asegurar los portales de banca en línea. Los titulares de cuentas también deben estar atentos a las estafas de phishing—intentos fraudulentos de obtener información sensible. Reconocer correos electrónicos, enlaces o llamadas telefónicas sospechosas que soliciten información bancaria personal es crucial.
Monitorear regularmente la actividad de la cuenta es otra medida de seguridad proactiva. Muchos bancos ofrecen alertas personalizables que notifican al titular de la cuenta sobre transacciones inusuales o grandes inmediatamente, permitiendo una acción rápida contra accesos no autorizados. También es aconsejable revisar frecuentemente el historial de transacciones para identificar cualquier irregularidad que pueda indicar actividad fraudulenta. Además, entender las últimas tecnologías de seguridad bancaria y utilizar todas las herramientas disponibles proporcionadas por las instituciones financieras puede mejorar significativamente la seguridad de las operaciones bancarias. Estas herramientas incluyen verificaciones biométricas, como el reconocimiento de huellas dactilares y facial, que ofrecen un nivel de seguridad más alto que las contraseñas tradicionales.
Al incorporar estas prácticas avanzadas de gestión y seguridad, los individuos pueden mejorar significativamente tanto la eficiencia como la seguridad de su experiencia bancaria, asegurando que sus activos financieros se gestionen de manera sabia y se protejan contra posibles amenazas.
Conclusión
Navegar por las complejidades de las cuentas bancarias—desde elegir el tipo correcto hasta gestionarlas y asegurarlas—puede tener un impacto significativo en tu bienestar financiero. Entender los diversos tipos de cuentas disponibles, desde cuentas corrientes personales y empresariales hasta cuentas de ahorros y CD, te permite tomar decisiones informadas que se alinean con tus objetivos financieros. Abrir tu primera cuenta es un paso crucial que sienta las bases para construir un futuro financiero robusto. Al seleccionar la institución financiera adecuada, entender las estructuras de tarifas y aprovechar incentivos como bonificaciones de cuenta, te posicionas para maximizar los beneficios de la banca.
La gestión efectiva de la cuenta y las medidas de seguridad vigilantes son esenciales para aprovechar al máximo tu experiencia bancaria. Utilizar herramientas de banca en línea y móvil no solo proporciona conveniencia, sino que también te permite mantener una supervisión cercana de tus actividades financieras, asegurando que tu dinero trabaje para ti de la manera más eficiente posible. Además, la importancia de la seguridad no puede subestimarse; proteger tu información financiera del fraude y el robo es primordial en la era digital actual.
En última instancia, la gestión cuidadosa y la protección de tus cuentas bancarias son cruciales para mantener la salud financiera y lograr tus objetivos monetarios. Al adoptar las prácticas descritas en esta guía, puedes navegar con confianza en el panorama bancario, tomando decisiones informadas que fortalezcan tus finanzas personales y empresariales. Ya sea que estés abriendo tu primera cuenta o optimizando las existentes, recuerda que cada paso que tomes es un bloque de construcción hacia una mayor seguridad y libertad financiera.
Living in the United States
Cómo ahorrar en el mandado: 10 trucos para 2026
8 min de lectura
El impacto de la inflación en nuestro presupuesto alimentario no es una broma. El aumento en los precios de los alimentos nos hace buscar alternativas más económicas. Descubre cómo ahorrar en comida con estos 10 consejos para gastar menos en supermercados y restaurantes.
Establece un presupuesto para el supermercado:
- Fija un límite para tus compras en el supermercado y busca ofertas antes de entrar a la tienda. Planifica tus comidas y snacks en función de los descuentos de la semana. Prueba las marcas genéricas para ahorrar aún más.
Ten cuidado con las tácticas de venta:
- Evita las estrategias de marketing que te hacen gastar más. No compres cuando estés aburrido, cansado o hambriento. Mantén la concentración y sigue tu lista de compras.
- Estas son algunas de las tácticas agresivas que usan los supermercados:
- Compras mínimas para recibir descuento. Los supermercados anuncian un precio barato cuando compras una cantidad mínima de un producto. A veces son dos, o tres, o cinco. Muchas veces la tienda respeta el precio si compras por individual. Esto se soluciona en la caja.
- Anclaje. Esto ocurre cuando el precio de venta se coloca estratégicamente junto al precio regular, haciendo que sientas que estás obteniendo una ganga.
- Colocar compras impulsivas al final de cada pasillo y en la caja. Podrías agregar algo a tu carrito de compras que no necesitas.
- Líderes en pérdidas. Estos son artículos anunciados a precios muy bajos. Si bien podrías obtener una oferta en el artículo en venta, la intención es que entres a la tienda y compres más artículos a precios regulares.
- Estas son algunas de las tácticas agresivas que usan los supermercados:
Usa cupones:
- Aprovecha las aplicaciones y extensiones de navegador para encontrar cupones y descuentos en tus compras, como Honey, Dosh o Ibotta.
Compra solo lo esencial a granel:
- Compra en grandes cantidades solo los productos no perecederos y de uso regular, como papel higiénico o pañales.
Revisa las ofertas en las estanterías de descuento:
- Busca productos con descuento en las secciones de carnes y vegetales, así como en las estanterías de ofertas de tu supermercado local.
Revisa tu despensa:
- Antes de ir al supermercado, verifica qué tienes en casa y crea platos con esos ingredientes. Usa aplicaciones como Kiwilimon para encontrar recetas.
Utiliza aplicaciones para ahorrar en comida:
- Apps como Too Good to Go te permiten comprar excedentes de alimentos a precios reducidos. Misfit Markets, Imperfect Foods y GrubMarket ofrecen alimentos con defectos estéticos o excedentes a precios más bajos.
Evita aplicaciones para pedir comida a domicilio como Grubhub, Doordash, y Uber Eats ya que cobran muchas tarifas e inflan precios de platillos por traer a domicilio.
Come fuera durante la hora del almuerzo o happy hour:
- Aprovecha las ofertas y menús especiales en bares y restaurantes durante estas horas para ahorrar dinero.
Reduce la frecuencia de comer fuera:
- Limita tus visitas a restaurantes y comida rápida, y enfócate en preparar comidas en casa. La planificación de comidas puede ayudarte a ahorrar y comer más saludable.
Espacia tus visitas al supermercado y elige una sola tienda:
- Espera hasta haber consumido la mayoría de tus alimentos antes de ir al supermercado y elige una única tienda para evitar gastos adicionales de transporte.
Recuerda que con Común, puedes tomar control completo de tus finanzas y manejar tu dinero desde tu app. Común te ofrece una cuenta de cheques con más de 57,000 cajeros alrededor de Estados Unidos. Sin costo alguno. Ahorrarte dinero, es lo nuestro.
Ahorrar en comida es posible siguiendo estos 10 consejos prácticos. Establecer un presupuesto, aprovechar las ofertas y reducir la frecuencia de comer fuera te ayudarán a gastar menos en supermercados y restaurantes sin sacrificar la calidad de tus alimentos. ¡Empieza a ahorrar hoy mismo!
Financial Education
Quick guide on how to call Mexico from the USA
8 min de lectura
How to call Mexico from the United States easily and affordably
There’s no doubt about the impact the Mexican community has had in the United States due to the number of immigrants who have arrived in recent decades and who, despite the distance, need to stay in touch with their loved ones.
One of the most common points of confusion when making an international call has to do with the order of the required codes. However, with the right information, placing a call from the United States to Mexico is very simple.
Below, we’ll show you step by step how to dial, practical examples for major cities, as well as modern options to save money no matter how long you’re on the phone with your loved ones in Mexico.
Basic steps to call Mexico from the USA
To connect a phone call from the United States to Mexico, you need three basic pieces of information: the exit code, Mexico’s country code, and the local number.
These are the steps to call Mexico.
Dial the international prefix
011 from a U.S. landline or “+” from a mobile phone.
Add Mexico’s country code
The code is 52.
Dial the 10-digit national number
Include the area code plus the local number
Practical examples:
- Mexico City: 011 + 52 + 55 123 1234
- Guadalajara: 011 + 52 + 33 123 1234
- Monterrey: 011 + 52 + 81 123 1234
It’s important to clarify that it used to be necessary to add the prefix 1 for cell-phone calls, but this requirement was eliminated in 2019.
Area codes and example calls to Mexican cities
In Mexico, each city has an area code (lada) made up of 2 or 3 digits. Taking that into account, all Mexican phone numbers have 10 digits in total.
Below is a table with examples of how to dial from the United States to Mexico.
City
Area Code
Dialing example from the United States
Mexico City
55
011 + 52 + 55 + ########
Guadalajara
33
011 + 52 + 33 + ########
Monterrey
81
011 + 52 + 81 + ########
Puebla
222
011 + 52 + 222 + #######
Tijuana
664
011 + 52 + 664 + #######
León
477
011 + 52 + 477 + #######
Querétaro
442
011 + 52 + 442 + #######
Mérida
999
011 + 52 + 999 + #######
Cancún
998
011 + 52 + 998 + #######
Chihuahua
614
011 + 52 + 614 + #######
Modern and more affordable options for calling Mexico
Long-distance calling used to be very expensive, especially when made directly— a drawback for people who wanted to keep in touch with family abroad since costs were charged per minute.
Fortunately, today you can choose far more affordable alternatives that also offer unlimited minutes and other communication benefits such as messaging and video calls.
These are the most popular low-cost options for calling Mexico from the United States.
VoIP apps and services over Wi-Fi
VoIP (Voice over IP) apps are one of the most accessible alternatives for communicating with people worldwide.
The main advantage of mobile apps is that they allow domestic and international calls over a Wi-Fi or data connection. This significantly reduces costs and eliminates the need for local phone coverage, though a good internet connection is important.
WhatsApp is a popular app of this kind, given its large user base and a variety of features beyond calls, such as voice notes, voice dictation, video notes, and video calls.
Other similar alternatives include Skype, Google Voice, and Telegram.
International plans from your carrier
If you want to make long calls and not rely on Wi-Fi, a recommended alternative is to get an international plan with included or unlimited minutes to Mexico.
For example, Verizon Global Calling has a plan that includes unlimited minutes to Mexico and Canada.
If you’re still in Mexico, Telcel offers international roaming packages and eSIM for travelers.
Prepaid calling cards
Another solution for calling Mexico is using a prepaid calling card.
Here are some examples.
Company | Cost | Validity/Expiration Enjoy Prepaid | From 0.9¢/min to landlines, 2.9¢/min to mobiles. | After 183 days of inactivity. BOSS Revolution | 1.9¢/min to landlines and mobiles. | Credit remains while the user is active. Calling Card Plus | From 0.8¢/min to landlines and 2.5¢/min to mobiles. | Depends on the plan; may include per-minute rounding or a weekly charge.
Company
Cost
Validity/Expiration
Enjoy Prepaid
From 0.9¢/min to landlines, 2.9¢/min to mobiles.
After 183 days of inactivity.
BOSS Revolution
1.9¢/min to landlines and mobiles.
Credit remains while the user is active
Calling Card Plus
From 0.8¢/min to landlines and 2.5¢/min to mobiles.
Depends on the plan; may include per-minute rounding or a weekly charge.
Bundles with included minutes
A bundle is a package that, in addition to international calls, includes other related services. For example, Verizon Global Choice offers 300 minutes for $10 per month.
Practical tips for immigrants
Taking care of your finances is essential to stay in touch with your family in Mexico. Here are some tips to keep you connected.
- Use apps over Wi-Fi whenever possible: they’re a very affordable alternative, as long as you have a good internet connection.
- Compare rates from different companies: take time to review each provider’s international rates as well as specific terms.
- Consider family bundles or special plans for Mexico: given the geographic proximity between Mexico and the United States, there are several communication options designed for families who frequently contact relatives.
Stay connected with your family in Mexico thanks to Común
In this article, we showed you how to call Mexico from the United States with the correct code sequence, via mobile and landline. We also shared tips to keep in touch with your family through more accessible means such as mobile apps and international plans with minutes to Mexico.
In addition to staying in touch with family, Mexican immigrants also often need services that let them send money home.
- Discover the benefits of Común, the platform that brings you closer to the people you love most!
- Checking account with clear, competitive fees.
- Accessible international money transfers.
- Común’s mobile app is available in Spanish and accepts more than 100 eligible official IDs for account opening.
- Debit card for everyday purchases and payments.
Don’t lose touch with your country! Open your account with Común and connect with the financial platform dedicated to shortening the distance.
Frequently Asked Questions (FAQ)
If you still have questions, see this section.
What happens if I dial the number without the 011 prefix?
If you don’t dial 011 or “+” on mobile phones, your call won’t be recognized as international and will either connect as a local call or return an error.
Is it better to use apps or international calling plans?
It depends on your needs. Apps are an excellent alternative but depend on a good internet connection. International plans require a SIM, but they offer more stable calls along with other communication services.
Which option is best for saving money?
A very convenient option to save money is an app like WhatsApp, since it works over an internet connection.
How can I dial an 800 number from the United States to Mexico?
800 numbers are toll-free within Mexico, but from the United States they do carry a cost. To dial, you must enter the exit code and the country code.
Another option is to look for that institution’s alternate number for international calls.
Financial Education
How to fill out a money order: step-by-step guide
8 min de lectura
How to fill out a money order
A money order is a prepaid paper payment often used for rent, bills, or sending money securely through the mail. To fill one out correctly, you need to add the recipient's name, your information, sign the front, and keep the receipt for tracking or replacement purposes.
Money orders are still widely used in the United States, especially for situations where people need a secure paper payment method. Even in 2026, many landlords, utility companies, government offices, and individual recipients continue to accept or require money orders for certain payments.
For many people, especially immigrants, newcomers to the United States, or people without a traditional bank account, money orders can feel more accessible than personal checks. Filling out a money order incorrectly can cause delays, make the payment invalid, or create problems if the money order is lost. Knowing exactly what information to write and where to write it can help avoid unnecessary stress.
What is a money order?
A money order is a prepaid paper payment that works similarly to a check. Instead of drawing money directly from a bank account, you pay the full amount upfront when purchasing the money order.
Once completed, the money order can usually be:
- Mailed to a recipient
- Deposited into a bank account
- Cashed at approved locations
Because the payment is prepaid, money orders are often considered safer than mailing cash. Money orders are commonly used for:
- Rent payments
- Utility bills
- Government fees
- Payments sent through the mail
- Sending money to family members
- Situations where personal checks are not accepted
Most money orders also include a receipt or tracking number that can help verify whether the payment was cashed. Unlike many digital payment apps, money orders are not typically trackable in real time.
When to use a money order vs other options
Money orders can still make sense in certain situations, especially when:
- A landlord only accepts money orders
- You do not have a U.S. checking account
- You need to mail a secure payment
- The recipient does not use digital payment apps
- You do not want to share banking information
Where to buy a money order
USPS (United States Postal Service):
One of the most common places to buy money orders. Domestic money orders typically cost between $1.45 and $1.95. USPS money orders never expire.
Walmart:
Many Walmart locations offer money orders through MoneyGram services. Fees can be lower than traditional banks, although limits apply depending on the location.
Western Union:
Western Union locations also sell money orders. Some stores offer extended hours.
Banks and credit unions:
Some banks and credit unions issue money orders to account holders. Fees may vary depending on whether you already bank with the institution.
Step 1: Fill out the recipient's name
Write the recipient's full legal name in the "Pay to," "Pay to the Order of," or "Payee" section.
Tips:
- Write clearly using black or blue ink
- Double-check spelling
- Avoid nicknames unless specifically requested
- Do not leave this section blank
If the name is incorrect, the recipient may have trouble depositing or cashing the money order. Once the recipient's name is written, only that person should be able to cash or deposit the money order with valid identification.
Step 2: Fill out the sender's name and address
Write your own information in the purchaser or sender section. The form may ask for: full name, address, city and state, phone number. This helps identify who purchased the money order if there is a problem later.
Step 3: Sign the front and add a memo
Sign only where the purchaser or sender is instructed to sign on the front.
Do not sign the back.
The back is reserved for the recipient when they cash or deposit the money order.
Some money orders also include a memo or account number section. Examples: apartment number for rent, utility account number, invoice number, purpose of payment.
Step 4: Keep your receipt
The receipt usually contains: tracking information, serial number, purchase amount, date of purchase.
Keep the receipt until the money order has been cashed or deposited successfully. If the money order is lost, stolen, or delayed, the receipt may help you: request a replacement, verify whether it was cashed, contact customer support, file a claim.
Common mistakes to avoid
Leaving fields blank:
Fill out the money order completely before handing it over or mailing it.
Using incorrect recipient information:
Misspelled names or incorrect business information can delay the payment process.
Signing the back:
Only the recipient should sign the back of the money order.
Throwing away the receipt:
Always keep your receipt until the payment is confirmed.
Using pencil or unclear handwriting:
Use permanent ink and write clearly.
Mailing cash instead:
Money orders are generally safer than sending cash through the mail.
Alternatives to money orders (digital options)
Common digital alternatives include: Venmo, Cash App, Zelle, bank transfers, debit card payment apps.
For people who regularly send money within the United States or to Latin America, Común offers digital transfer options through ComunPay.
ComunPay allows eligible users to send money using: payment links, QR codes, phone numbers, email addresses, usernames, debit cards. Unlike traditional mailed money orders, digital transfers inside apps can usually be tracked directly from the phone.
Común also offers international remittances to Latin America starting at $2.99.
Choosing the right payment option for your needs
Money orders continue to play an important role for many people in the United States, especially for rent payments, government forms, mailed payments, or situations where paper documentation is preferred. For everyday sending between family members, friends, or trusted contacts, digital payment tools may feel more practical and easier to track.
FAQ
How much does a money order cost?
Money orders typically cost between $1.45 and $10 depending on the issuer, amount, and location. USPS money orders commonly range from $1.45 to $1.95.
Can a money order be cashed by anyone?
No. Once the recipient's name is written, only that person should be able to cash or deposit it with valid identification.
How long is a money order valid?
Many money orders do not expire. USPS money orders do not expire.
What happens if I make a mistake on a money order?
Avoid crossing information out. Contact the issuer about replacement options.
Can I track a money order?
You can usually verify whether it was cashed by contacting the issuer with your receipt information.
What is a digital alternative to a money order?
Venmo, Cash App, Zelle, and ComunPay for peer-to-peer transfers. Común also offers international remittances to Latin America starting at $2.99.
Común is a financial technology company and not a bank. Banking services are provided by Community Federal Savings Bank, Member FDIC. The Común Visa® Debit Card is issued by Community Federal Savings Bank. Peer-to-peer payments services are provided by Cross River Bank. No minimums, no maintenance fees. Remittance service provided by Service UniTeller, Inc. Remittance fees start at $2.99 but may vary. Común Inc. may earn revenue from the conversion of foreign currencies.
Financial Education
What is cashback and how does it work? A 2026 Guide
8 min de lectura
What is cashback and how does it work? A 2026 Guide
Cashback is a rewards system that gives you back a percentage of the money you spend on eligible purchases. In simple terms, when you buy something using certain credit cards, debit cards, apps, or rewards programs, you may get a percentage of your money back on purchases, though it is usually credited to your account rather than handed over as physical cash.
If you recently moved to the United States or are learning how the financial system works, you may have heard the term 'cashback' while shopping at places like Walmart, Target, gas stations, supermarkets, or online stores.
For many people, cashback can become a practical tool to manage everyday expenses such as groceries, transportation, gas, and household purchases. While the amounts may seem small at first, they can add up over time when used consistently and responsibly.
What is cashback?
Cashback is a type of financial reward that returns a percentage of your purchase after you spend money with a participating payment method or rewards platform.
For example:
- If you spend $100 at the supermarket using a card that offers 2% cashback, you may receive $2 back
- If a cashback app offers 5% cashback at a participating gas station and you spend $60 on fuel, you may receive $3 back
Unlike traditional discounts, cashback usually happens after the purchase is completed. The Consumer Financial Protection Bureau (CFPB) explains that cashback rewards are commonly offered through credit cards and loyalty programs as an incentive for spending.
How does cashback work?
Cashback programs generally follow a simple process:
- You make an eligible cashback purchase using the participating card, app, or rewards account
- The transaction is recorded by the provider
- A percentage of that purchase is returned to you as cashback
The reward may appear as:
- Statement credit
- Bank deposit
- Gift card
- Rewards balance
- Redeemable points
- Store credit
Some cashback rewards appear within a few days, while others may take an entire billing cycle or longer to process. There are often minimum redemption thresholds before you can claim your cashback. Certain programs may include expiration dates. It is also important to understand that not every purchase qualifies for cashback.
Cashback vs. traditional discounts
While cashback and traditional discounts can both help consumers save money, they work in different ways. A traditional discount lowers the price immediately at checkout, while cashback returns part of the money after the purchase has already been completed.
| Cashback | Traditional Discount |
|---|---|
| Money is returned after the purchase | Price is reduced before purchase |
| Usually linked to cards, apps, or loyalty programs | Usually available directly in-store |
| Rewards may take days or weeks to process | Savings are immediate |
| May help track expenses digitally | Does not usually include tracking tools |
| Often limited to eligible categories or stores | Depends on store promotions |
Types of cashback in 2026
Not all cashback programs work the same way. Before signing up for a cashback program, it is important to review details such as annual fees, interest rates, minimum redemption, expiration policies, and spending categories.
Fixed-rate cashback
This type gives the same cashback percentage on all purchases. Example: 1.5% cashback on everything you buy. This structure is simple because you do not need to track categories or rotating offers.
Category-based cashback
Some cards or apps offer higher cashback percentages in specific categories such as supermarkets, restaurants, gas stations, or streaming subscriptions. For example: 3% on groceries, 2% on gas, 1% on all other purchases.
Rotating cashback categories
Some providers change cashback categories every few months. One quarter may focus on gas stations and grocery stores; another may include online shopping and travel purchases. These programs sometimes require manual activation each quarter.
Welcome bonuses
Certain credit cards offer introductory cashback bonuses if you spend a minimum amount during the first months after opening the account. For example: spend $500 in the first 3 months and receive $150 cashback bonus. The Federal Trade Commission recommends reviewing terms carefully before applying for financial products with promotional offers.
Where can you get cashback in the United States?
Credit cards:
Many credit cards in the U.S. include cashback rewards. Some examples include products from Discover, Chase, Capital One, and American Express. Some cards focus on categories like dining or travel, while others offer flat-rate cashback.
Debit cards:
Some financial institutions offer cashback debit cards, although rewards are usually smaller than those offered by credit cards. This may appeal to people who prefer avoiding debt or credit card interest.
Cashback apps:
Several mobile apps partner with retailers and offer cashback rewards for purchases. Examples include Rakuten, Ibotta, Upside, and Honey. These apps may provide cashback for grocery shopping, online purchases, gas stations, and restaurants.
Store loyalty programs:
Retailers sometimes offer cashback or store rewards through membership programs. For example, supermarkets, pharmacies, and warehouse stores may return store credit or savings points after purchases.
Cashback vs. points vs. miles: Which is better?
Although they are often grouped together under the category of 'rewards,' each one works differently and can be useful depending on a person's spending habits, financial goals, and lifestyle.
Cashback programs generally return a percentage of the money spent on eligible purchases. Points systems usually assign a numerical value to purchases that can later be redeemed for products, gift cards, discounts, or services. Travel miles are typically associated with airlines, hotels, or travel-focused credit cards.
| Cashback | Points | Miles |
|---|---|---|
| Returns money | Rewards system value | Travel-focused rewards |
| Flexible spending | Often redeemed in specific ecosystems | Usually tied to airlines or hotels |
| Reward after spending | Redemption values vary | Best for frequent travelers |
| Common for everyday purchases | May include gift cards or products | Often used for traveling |
For many people, especially those focused on getting some value on their everyday expenses such as groceries, transportation, gas, or household purchases, cashback can feel more useful as the reward is directly connected to money rather than conversion systems or travel programs.
3 practical tips for using cashback responsibly
1. Use cashback for purchases you already planned
Focus on recurring expenses such as groceries, gas, transportation, and utility bills. This helps you avoid overspending simply to earn rewards.
2. Don't buy things you don't need
A cashback offer does not automatically make a purchase worthwhile. For example, spending $200 to earn $4 cashback may not help your finances if the purchase was unnecessary.
3. Track your cashback earnings
Many apps and financial platforms allow you to monitor spending categories, cashback totals, and monthly rewards. Tracking your rewards can help you understand your spending patterns and maintain financial goals.
Does Común offer cashback?
No. Común does not currently offer cashback programs.
However, Común provides tools and resources that offer guidance for Latin American immigrants navigating the U.S. financial system.
While cashback might be useful for some people, it is important to pay attention to commissions, as savings when commissions are included might not be as strong as initially perceived. When comparing financial tools in the United States, cashback is only one factor to consider. Fees, commissions, account accessibility, and transparency can also affect your financial experience over time.
Común's cost for opening a debit account is $0, same as the $0 minimum balance and $0 monthly commission for the debit account.
FAQ
What is cashback and how does it work?
Cashback is a rewards system that returns a percentage of your purchases after you spend money using eligible cards, apps, or loyalty programs.
How is cashback calculated?
Cashback is usually calculated as a percentage of the purchase amount. For example, if you spend $100 and your cashback rate is 2%, you receive $2 back.
Where can I get cashback in the United States?
Cashback is commonly available through credit cards, debit cards, shopping apps, and retailer loyalty programs.
What is the difference between cashback and points?
Cashback returns money directly, while points are part of rewards systems that may only be redeemed for specific products, gift cards, or services.
Does Común offer cashback?
No. Común currently does not offer cashback.
Is cashback taxable?
In many cases, cashback earned through purchases is generally treated as a rebate rather than taxable income. However, tax treatment may vary depending on how rewards are earned. The IRS recommends consulting a tax professional for specific situations.
Financial Education
How to Invest Money in the United States: A Beginner’s Guide
8 min de lectura
Ways to Invest Money and Secure Your Future in the United States
One of the constant concerns for people who leave their home country in search of better opportunities in the United States is financial uncertainty, often caused by poor management and a lack of knowledge about effective strategies to grow their money.
Saving products are an alternative that allows you to save money in the long term while earning interest—returns that depend on the term and the rate offered by the financial institution.
Knowing the different ways to save money is a way to ensure financial stability for you and your family. Below, we explain the types of investments and the safest ways to get started. Please note that investment products are NOT FDIC INSURED, NOT BANK GUARANTEED, and MAY LOSE VALUE.
What Does It Mean to Invest Money and Why Is It Important?
Investing means allocating money toward a goal with the aim of obtaining higher returns in the future. You can do it on your own, through a business, or with formal financial instruments that put the contributed money to work to pay interest over defined time frames.
Here are some benefits of using investment strategies:
- Financial security: gives you the confidence of having a savings fund for the future.
- Financial growth: puts your money to work to generate passive income and avoid losing value due to inflation.
- Family support: helps you plan long-term family projects, such as buying a home or paying for children’s higher education.
How to Define Your Goals and Risk Profile Before Investing
Before you begin, keep in mind that all investments involve some level of risk. If you’re a beginner, it’s essential to start at a level that matches your situation.
You should also be clear about your financial goals—the targets you want to reach in the short, medium, and long term.
Risk Profile
A risk profile is an investor’s ability to handle potential losses caused by market fluctuations.
These are the three main types.
Conservative
This profile is ideal for people not familiar with investing, as it involves low risk. Although returns are steady, they tend to be lower than other investment alternatives. Preferred options include savings accounts and short-term investment funds.
Moderate
This profile suits somewhat more experienced investors who are willing to take moderate risk by combining safer investments with slightly riskier ones to obtain better returns.
Aggressive
This profile is for those who have a strong command of investing. They have a high tolerance for losses and aim for high income through significant long-term investments, typically in the stock market, high-yield funds, and real estate.
Determine Your Risk Profile
Next, define the risk profile that aligns with your personal finances and your experience with these instruments.
Follow these tips to help you make a smart investment.
Step 1. Assess Your Current Financial Situation
Take stock of your finances—consider your income, monthly expenses, debts, and existing savings.
Step 2. Determine Your Investment Goals.
Set exactly what you want to achieve and in what timeframe—for example, buying a home, traveling abroad, paying for medical treatment, or simply building an emergency fund. Remember that long-term investments involve higher risk but can also offer higher returns.
Step 3. Decide How Much You Can Invest Initially.
Based on your budget, determine how much you can allocate to your initial investment and whether you can increase it later.
Step 4. Evaluate Your Risk Tolerance.
Analyze your willingness to accept potential losses and their impact on your personal finances.
Here is a comparative table for clarity.
Investment Profile
Risk Level
Time Horizon
Potential Return
Characteristics
Conservative
Low
Long – Medium
Low
Prioritizes safety over return.
Moderate
Medium
Medium – Long
Low – Medium
Balances safety and returns.
Aggressive
High
Long
High
Seeks to maximize long-term gains, with higher risk.
4 Accessible Investment Options for Beginners
A common misconception is that you need a significant amount of money to become an investor. In reality, there are accessible alternatives that let you start with small amounts, easily.
Here are four ideal options to start investing.
Index Funds
Index funds pool money from multiple investors to buy stocks or bonds.
Main Benefits:
- Automated operation.
- Easy diversification.
- Potential for good long-term returns with little effort.
Certificates of Deposit (CDs)
A certificate of deposit is an investment made directly with a financial institution for a fixed term, meaning you cannot withdraw the money during that period.
Main Benefits:
- A relatively secure way to start investing, as it’s offered by financial institutions.
- Generates steady, predictable returns.
Bonds
Bonds are loans to companies or governments that pay interest periodically and generally carry lower risk.
Main Benefits:
- Income is more predictable.
- A good option to diversify alongside slightly riskier investments.
Digital Investment Accounts
An accessible option that allows you to invest from a mobile application.
Main Benefits:
- Let you start with very small amounts of money.
- Very beginner-friendly for entering the world of investing.
Before choosing an investment vehicle, consider your risk profile. If you prefer stability over returns, CDs or bonds may be ideal.
Avoid “putting all your eggs in one basket.” The key to smart investing is diversifying across several instruments, even with small amounts.
Simple Habits to Invest and Review Your Strategy
When you start investing, it’s important to be realistic, stay patient, and remain consistent with your financial goals.
Here are some simple practices to keep your investments on track.
- Review your investments at least every 3 to 6 months.
- Adjust your strategy as your goals or financial situation change.
- Use digital tools to monitor your progress.
Use Común to Manage Your Money Easily as an Immigrant in the U.S.
Financial management is a responsibility you should entrust to an accessible platform.
Meet Común! The financial service that lets you send, receive, and withdraw money within and outside the United States, quickly, simply, and securely.
Común is a mobile app that allows you to open an account easily with a qualifying official identification from your home country, so it’s a great option for the immigrant community.
Open your account with Común and start sending, receiving, and withdrawing money. Enjoy Spanish and English language support, clear fees, and a digital platform ideal for the immigrant community in the United States.
Frequently Asked Questions (FAQ)
If you still have questions, see the section below. Please note that investment products are NOT FDIC INSURED, NOT BANK GUARANTEED, and MAY LOSE VALUE.
How much money do I need to start investing in the U.S.?
There are quite accessible investment options today, especially digital platforms. Some let you start with amounts as low as $1 or $5, which is ideal for learning to invest.
Is it safe to invest as an immigrant?
Yes—even if you are not a legal resident, you can invest money in the United States. Just make sure to use regulated institutions and platforms.
What if I want to change my investment strategy in the future?
It’s common to change your investment strategy to match your financial goals. Review your investments periodically and make the necessary adjustments according to the applicable timelines.
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Immigration
What is SSN? Everything you need to know if you are a resident in the U.S.
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.
What is the Social Security Number (SSN)?
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.
How to obtain the Social Security Number in the United States?
An important point about the Social Security Number in the U.S. is that there are three different types:
- For citizens born in the United States
- For citizens born abroad
- For non-citizens with lawful resident status
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.
Get your SSN in just 4 steps
If you did not request the SSN during your visa process, the first thing you should do is gather the following documentation:
- A valid passport with the Machine Readable Immigrant Visa (MRIV) or a Permanent Resident Card (Form I-551)
- Birth certificate
Once you have gathered the documentation, follow these steps:
- Download and complete the SS-5 application
- Go to an SSA office
- Present the original documents
- Wait 7 to 14 days to receive the Social Security card by mail
What to do if your SSN card is lost?
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.
5 benefits of having an SSN
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:
1. Employment
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.
2. Credit
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.
3. Banking 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.
4. Government benefits
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.
5. Taxes
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.
How much does it cost to get an SSN?
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
Simplify your financial life upon arriving in the United States with Comun
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.
- Open your account with an official ID from your country of origin
- Receive a Visa debit card and make purchases easily in physical stores and online
- Access a mobile application and manage your finances from the palm of your hand
- Send remittances to your home country for a fee starting at $2.99 USD, up to the applicable limits
- Forget about hidden fees and complicated processes
- Access support available in Spanish and English
With Comun, discover the most accessible way to manage your finances for everyday life in the United States.
Frequently Asked Questions
If you still have questions, consult our Frequently Asked Questions section.
What should I do if someone uses my SSN without permission?
Report immediately at IdentityTheft.gov and place a fraud alert.
How many times can I replace my SSN card?
Up to 3 times per year and a maximum of 10 times in your lifetime.
Is it mandatory to have an SSN to open an account with Comun?
Comun allows you to open an account with official ID from your country.
Financial Education
How to Call Guatemala from the USA in 2025
8 min de lectura
How to Call Guatemala from the United States Easily and Affordably
One of the main wishes of Guatemalan immigrants arriving in the U.S. is to stay in frequent contact with loved ones through efficient and affordable telecom services.
However, confusion is common when dialing because of the codes needed to connect U.S. phone service to Guatemala.
In reality, once you have the right codes, calling Guatemala from the U.S. is quite simple—and this article shows you how.
Below you’ll learn the step-by-step dialing process with examples, plus money-saving options and tips to avoid extra charges.
3 Basic Steps to Dial Guatemala from the USA
First, know the U.S. international exit code—it goes at the very start of the number.
Here are the basic steps to dial Guatemala.
1) Dial 011 from a landline or “+” from a mobile
The U.S. international exit code is 011 (landlines). On mobile phones, use the “+” sign.
2) Dial 502 - Guatemala’s country code
The next step is to enter Guatemala’s code, which is 502. Every country has a code that identifies it internationally to connect telephony services.
3) Dial the 8-digit local number (landlines and mobiles)
Finally, dial the Guatemalan phone number exactly as it is, whether you’re calling from a landline or a mobile phone.
Keep in mind that the first digit of a Guatemalan phone number indicates whether it’s a landline (2) or a mobile (5).
Here you have some dialing examples:
- Landline, Guatemala City: 011 + 502 + 2 ### ####
- Mobile, metro area: 011 + 502 + 5 ### ####
Guatemala Prefixes: Identify Landline vs. Mobile
As mentioned in the previous section, the first digit of a Guatemalan number indicates whether it’s a landline or mobile. It also indicates the carrier and the region.
Therefore, before calling Guatemala, identify this digit so you know exactly what type of number you are dialing.
Below is a table with the prefixes to make them clearer.
Number type
Prefix
Example from U.S.
Landline, Guatemala City
2
011 502 2 ### ####
Landline, Metro Area
6
011 502 6 ### ####
Landline, rest of country
7
011 502 7 ### ####
Mobile, major operators
3, 4 or 5
011 502 3 ### ####
Modern Ways to Save on Calls to Guatemala
It’s very likely that the distance between the United States and Guatemala will make you need to place phone calls more often to keep up with your family and friends.
Fortunately, today’s international calling rates are very different from what they were a decade ago, when callers were charged per minute. That made it difficult to maintain constant communication between families living in different countries.
Today you can choose telecommunications services with far more affordable calling plans, as well as apps that work over a Wi-Fi connection.
Here are some options to call Guatemala easily.
VoIP applications
Nowadays, the easiest way to make calls—both domestic and international—is through VoIP (Voice over IP) apps, which connect over Wi-Fi or mobile data.
One of the most popular is WhatsApp, which has millions of users worldwide and, in addition to calls, also offers video calls, text messages, voice notes, and frequent updates.
Other similar apps available include FaceTime, Google Voice, and Skype.
International plans from phone carriers
Although apps offer a very affordable way to stay in touch, one downside is that call quality depends on the internet connection.
If you need consistently smooth calls, an international plan is ideal. Major U.S. carriers like Verizon, AT&T, and T-Mobile offer international plans with affordable rates.
Prepaid calling cards
Prepaid cards are a more traditional option. They’re best if you won’t be in the U.S. for long, since you only pay for the minutes you need and don’t rely on a phone plan or internet connection.
Bundles with minutes to Guatemala included
Some providers offer low-cost bundles with minutes to call Guatemala. Examples include Rebtel and Boss Revolution.
Tips to avoid extra charges on your calls
The cost of calling Guatemala can end up higher than expected. Here are some tips to keep in mind.
Common dialing mistakes when calling Guatemala:
- Not dialing the full international prefix.
If you don’t dial the U.S. exit code 011 + Guatemala’s country code 502, the call may not connect or may be billed as a domestic call.
- Adding a 0 to mobile numbers.
In Guatemala, both landlines and mobiles have 8 digits, so there’s no need to add a leading 0.
- Mixing up the first digit.
The first digit indicates landline vs. mobile. If you confuse it, the call may fail or connect using another country’s code.
- Not checking your plan or rates before calling.
Carefully review plan costs and pick the best rates to avoid overpaying.
Tips for immigrants who need to call Guatemala
- Use apps over Wi-Fi whenever possible.
Mobile apps over Wi-Fi are the most affordable option—just make sure you have a strong signal for smooth calls.
- Confirm the Guatemalan number has 8 digits.
Guatemalan numbers always have 8 digits, whether landline or mobile.
- Compare rates across providers.
Take time to compare rates and benefits—unlimited minutes, included data, social apps, etc.
Stay connected with your family in Guatemala with Común
Ready to call your loved ones in Guatemala? Remember you need the U.S. exit code, the country code, and the local number. You also learned practical tips to make the process easier.
Staying in touch across borders is essential to bridge the distance. Another way to care for your loved ones is by sending money through fair, secure services.
Discover all the benefits of Común!
- Checking account with clear, competitive fees.
- International money transfers.
- Común’s mobile app available in Spanish and English that accepts 100+ official IDs for account opening.
- Debit card for everyday purchases and payments.
Open your Común account today and complement your calls with a fintech platform that connects and supports you in the U.S.
Frequently Asked Questions (FAQ)
If you still have questions, see the section below.
What happens if I don’t dial 011 or “+”?
Your call won’t be recognized as international, so it may be treated as local or fail with an error.
What’s the cheapest option to call Guatemala?
Internet-based apps like WhatsApp are the most economical option.
How can I tell if a Guatemalan number is landline or mobile?
Landlines start with 2 and mobiles with 5.
International Money Transfers
How much does it cost to send money to Guatemala from the United States? A 2026 guide
8 min de lectura
The total cost may depend on three main factors: the transfer fee, the exchange rate used to convert USD to Guatemalan quetzales (GTQ), and any charges applied when the recipient receives the money. The total cost can vary from one transfer to another, depending on the provider and delivery method.
For many Guatemalans living in the United States, sending money back home is important. Some people support their families by covering everyday expenses or helping during emergencies. According to the World Bank, Guatemala is the second-largest recipient of remittances in the Latin America and Caribbean region, after Mexico. Remittances play a vital role in supporting rural communities in Guatemala, which receive over half of total flows.
Today, there are many ways to send money to Guatemala from the United States, including banks, cash pickup services, and apps and digital platforms. Comparing costs, delivery times, and exchange rates before sending can help your family receive more money overall.
How much money can you send to Guatemala?
The amount you can send to Guatemala may depend on the provider you choose, your account verification level, and the payment method used for the transfer.
In general, there is no single universal limit imposed on personal remittances from the United States. However, money transfer companies and financial institutions usually apply their own transfer limits as part of fraud prevention and regulatory compliance requirements.
For example:
- Some providers may limit new accounts to smaller daily or monthly transfers.
- Verified users may qualify for higher transfer limits.
- Cash-based transfers sometimes have different limits than bank transfers.
- Certain services may request additional identification for larger transactions.
Before sending money, it is recommended to review the provider’s limits, accepted identification documents, and delivery methods available in Guatemala.
What determines the real cost of sending money to Guatemala?
The real cost of sending money to Guatemala may depend on three main factors:
Transfer fee
The transfer fee is the amount charged to process the remittance.
Some services use a flat fee structure, while others may adjust the pricing depending on the amount sent, payment method, or delivery speed. Some service providers may also offer promotional pricing for first-time transfers.
Although low fees can help reduce costs, they may not always represent the lowest total transfer cost once exchange rates and other charges are considered.
Exchange rate spread (USD to GTQ)
Another important factor is the exchange rate used to convert U.S. dollars into Guatemalan quetzales.
Some providers may apply a margin (also known as a spread) on top of the market exchange rate. Even small differences in the USD to GTQ conversion rate can affect how many quetzales your family receives, especially on larger transfers.
Comparing the final amount received in GTQ may provide a more accurate picture of the total transfer cost.
Recipient charges or withdrawal costs
In some cases, the recipient may face additional costs when receiving the money. These depend on the provider and delivery method.
There could be charges related to ATM withdrawals, cash pickup locations, bank processing, or currency conversion. These costs may vary depending on the institution or pickup network used in Guatemala.
What is the best way to send money to Guatemala from the United States?
The best way depends on your context and priorities. Today, there are many ways to send money to Guatemala from the United States, with different service providers offering features such as faster delivery times, multiple delivery methods, or lower overall transfer costs depending on the type of transaction.
Traditional banks
Some people choose to send money through traditional bank wire transfers. This option is available for people who already use a U.S. bank account.
However, international bank transfers can sometimes involve higher fees, slower processing times, special considerations such as banks in the U.S. generally being closed for federal holidays or additional requirements such as SWIFT codes and recipient banking information.
Cash transfer agencies
Cash pickup services continue to play an important role for many families in Guatemala, especially for recipients who primarily manage their finances in cash or who may not have easy access to traditional banking services.
Companies such as Western Union, MoneyGram, and Ria Money Transfer can offer extensive pickup networks across Guatemala through local banks, convenience stores, supermarkets, and remittance partners.
This option can be convenient for recipients who prefer immediate access to cash, although some traditional cash transfer services may involve higher fees or exchange rates that are less favorable compared to other options.
Digital apps and platforms
Another option is using apps and digital platforms specialized in international transfers.
Services such as Común, Félix Pago, Ria Money Transfer, and MoneyGram offer options to send money directly from your phone, either through an app or even WhatsApp. These services often include multiple delivery options available in Guatemala.
While some of these service providers focus mainly on remittances, others may also include features such as debit cards, mobile banking access, or account management tools. For example, Común (https://www.comun.app) offers a debit card that accepts more than 100 Latin American IDs for account verification, it also offers the option to send money on the app or using WhatsApp, and offers cash pickup options in Guatemala.
Comparing services for sending money to Guatemala
There are services available for sending money to Guatemala, but the fees, exchange rates, transfer speeds, and delivery methods can vary depending on the provider and transfer type. This table was created to provide a visual aid for comparing 5 popular remittance service providers in the United States to Guatemala.
| Service | Payment Options | Fee | Delivery Options | Exchange Rate | Speed |
|---|---|---|---|---|---|
| Común | Bank account, debit card, cash | Starting at 2.99 USD | Bank account or cash pickup | Competitive | Minutes to hours |
| Western Union | Bank account, card, cash | Varies depending on amount and method | Cash pickup, bank deposit, wallet | Varies with applicable spread | Minutes to days |
| Ria Money Transfer | Bank account, debit card, credit card, cash | Starting at $0.99; can be free for bank transfers up to $15,000 | Cash pickup, bank deposit, wallet | Varies with applicable spread | Minutes to days |
| MoneyGram | Bank account, debit card, credit card, cash | Varies depending on amount and delivery method | Cash pickup, bank deposit, wallet | Varies with applicable spread | Minutes to hours |
| Félix Pago | WhatsApp, debit card, cash | $2.99 USD for bank account transfers and $4.98 USD for cash pickup transfers | Bank account and cash pickup | Competitive | Instant to days |
The total amount received in GTQ is subject to change throughout the day due to exchange rate fluctuations, provider fees, and delivery methods.
To compare real-time transfer costs and exchange rates, you can use tools such as Común Compara (https://www.comun.app/compara) designed to help you have more clarity on remittance costs. If applicable, you may see a "Primer envío" toggle that reflects promotional pricing for eligible first transfers.
How does the recipient receive money in Guatemala?
It depends on the provider selected, as recipients in Guatemala can receive money through different delivery methods.
Bank deposit
Some service providers offer direct deposits into Guatemalan bank accounts in quetzales. The delivery speed can vary depending on the receiving bank and transfer verification process.
Cash pickup
Depending on the provider and the recipient's location, they can collect money from local banks, remittance agencies, supermarkets, or retail stores.
To receive the money, recipients often require a valid identification document and the transfer reference number.
Delivery times
Transfer times can vary depending on the provider, payment method, verification requirements, holidays, and delivery option selected.
Some digital transfers can arrive within minutes, while bank transfers or certain cash pickup options could take longer.
How can I send money to Guatemala with Común?
With Común, people can send money to Guatemala directly from the mobile app. To send money, you can follow the steps:
- Open your Común mobile app.
- Select "Send a Remittance."
- Choose or register the recipient.
- Enter the recipient's information, including bank details if needed.
- After registering the recipient, enter the amount you want to send.
- Review the exchange rate, transfer fee, and delivery method.
- Confirm the transaction.
- You can check the transfer status in your Común mobile app by clicking on the transaction.
Transfer fees start at 2.99 USD per transaction, up to applicable limits.
Why choose Común to send money to Guatemala?
Común’s vision is to become the leading financial platform for immigrants in the U.S. Therefore, it can include elements that are helpful for people sending money to Guatemala from the United States.
Some of the services include:
- Acceptance of more than 100 Latin American IDs for verification.
- Spanish-language app experience.
- Ability to send money directly from the app or WhatsApp.
- Multiple delivery methods available in Guatemala.
As with any financial service, transfer costs, delivery speeds, and availability may vary depending on the transaction details. You can learn more about Común on our website (https://www.comun.app/about-us) or in the app (https://www.comun.app/).
FAQ
How much does it cost to send money to Guatemala?
The total cost may depend on the provider, transfer fee, exchange rate, delivery method, and whether the recipient faces additional charges.
How long does it take for money to arrive in Guatemala?
Transfer times can vary depending on the provider and delivery method selected. Some digital transfers may arrive within minutes, while others could take several business days.
What is the best app to send money to Guatemala?
The best app may depend on what matters most to you, whether that's lower fees, exchange rates, delivery speed, or cash pickup availability.
Do I need an SSN to send money to Guatemala?
Some providers may require an SSN, while others may also accept an ITIN or alternative identification documents depending on their verification policies. It is important to check each service provider’s verification requirements.
How much money can you send to Guatemala from the United States?
Transfer limits may vary depending on the provider, payment method, and verification level.
Where can my family receive money in Guatemala?
Depending on the provider, recipients may receive money through bank deposits, cash pickup locations, mobile wallets, or other delivery methods available in Guatemala.
Living in the United States
What is the Alien Registration Number (A-Number)?
8 min de lectura
Alien Registration Number or A-Number: Everything you need to know if you’re in the United States
Immigrants living in the United States should become familiar with several terms and procedures to ensure their long-term stay in the country.
One way to compile all the information related to your immigration process is through the A-Number or Alien Registration Number. This identifier is assigned by the Department of Homeland Security (DHS) to foreign nationals residing in the country.
It’s very important to know this information, as it serves as the identification number for your immigration file.
In this article, we’ll explain what the Alien Registration Number is, what it’s used for, and why it’s so important for immigration procedures.
What is the Alien Registration Number (A-Number) and what is it for?
The first step to identifying an A-Number is knowing that it always begins with the letter “A” and contains 8 or 9 digits.
The main function of this number is to allow USCIS and other agencies to quickly track immigration cases and applications related to each person.
Here are some examples of when the A-Number is used:
- To track your permanent residence (Green Card) application.
- When you apply for a work permit (EAD).
- If you apply for an adjustment of status, your A-Number will be used to link your case file.
Where can you find the Alien Registration Number, and who receives it?
To locate your A-Number, you can check several official documents issued by USCIS or DHS, such as:
- Green Card
- Employment Authorization Document (EAD)
- USCIS notices
- Immigration court orders
How to identify the A-Number
Below we break down how the A-Number appears on various official documents.
Document
Location
Permanent Resident Card
On the front, next to “USCIS#” or “A#.”
Work Permit (EAD)
On the front
USCIS Notices
In the upper corner or near the applicant’s name
Immigration court documents
At the top of the document.
This is a unique number assigned only to individuals with formal and permanent files in U.S. immigration agencies, such as:
- Permanent residents (Green Card holders).
- Refugees or asylees.
- Adjustment of status or work permit applicants.
- Individuals with open cases before immigration court.
On the other hand, temporary visitors such as tourists, students, or non-immigrant visa holders do not receive an A-Number since their cases do not require a permanent immigration file.
Why is the Alien Registration Number important in immigration procedures?
The A-Number is a central identifier used in multiple immigration procedures needed to regularize your status in the country.
Here are the most common uses of the A-Number in immigration processes.
Tracking immigration cases (USCIS Case Status)
If you want to track the status of your pending applications, such as permanent residence, work permit, or adjustment of status, you need to enter your A-Number in the USCIS Case Status system.
This way, you can know exactly which stage your case is in and stay informed of updates to ensure your process stays on track.
Updating personal information
It’s essential to keep your immigration records updated. If you change your address, phone number, or legal name, your A-Number will help you update your information.
This helps ensure you receive official notifications and avoid delays in important procedures.
Avoiding mistakes in immigration processes
Since the A-Number functions as a unique identifier, it also helps avoid confusion between applicants with the same or similar names.
Be sure to use your A-Number correctly when filling out forms or official documents so that all your information stays under the same file and saves time when searching for a document or specific information.
In short, this number helps simplify the immigration process for immigrants and provides a sense of security and control during procedures that can often cause stress and uncertainty.
What to do if you don’t have or don’t remember your A-Number
If you don’t have an A-Number, remember that USCIS assigns one once you start an immigration process in the United States. If you already have one but can’t remember it, follow these tips to locate it.
- Check your official documents, such as your Green Card, work permit, or any forms submitted to USCIS.
- Log in to your USCIS online account and check the “manage your case” section.
- Call the USCIS Contact Center at 1-800-375-5283, explain that you can’t find your A-Number, and ask for assistance locating it.
Avoid using a fake A-Number, as this could cause problems with immigration authorities.
Organize your immigration life while managing your finances with Comun
As you can see, the A-Number is essential to staying organized during immigration procedures. It helps keep your documents together in one file, making them easier to locate and reducing the risk of delays caused by mistakes.
Another important aspect of immigrant life in the U.S. is having the right tools to keep personal finances organized.
Meet Comun, the platform designed to help immigrants manage their finances with ease.
Here are some of the benefits Comun offers:
- Open an account with a qualifying official identification from your home country.
- Send money to several countries with clear and competitive fees, up to the applicable limits.
- Access support in both Spanish and English.
Want to discover a truly fair and accessible financial service? Open your Comun account today!
Just as your A-Number helps you keep your immigration documents organized, Comun helps you maintain your financial stability in the United States.
Frequently Asked Questions (FAQ)
If you still have questions, check out our FAQ section.
What is the USCIS number? Is it the same as the A-Number?
The USCIS number appears on your permanent resident card or work permit. It’s actually the same identifier as your A-Number, which appears on these documents preceded by “USCIS#.”
What is the Alien Number?
The Alien Registration Number is the official name for the A-Number assigned by DHS or USCIS to individuals who are not U.S. citizens, allowing them to track their immigration process through a unique file.
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Financial Education
What is a wire transfer? A complete guide to sending money in the U.S.
8 min de lectura
Every day, millions of people in the United States rely on different methods to send money safely and quickly, whether within the country or, in the case of immigrants, to their countries of origin.
The wire transfer is one of the most popular methods for sending money through financial institutions that provide backing and traceability to ensure the recipient receives the funds.
According to Federal Reserve (Fedwire) data, in 2024 there were 209.9 million wire transfers, representing 8.6% growth compared to the prior year.
Today, the dynamism of the financial system has led to different solutions for making domestic and international money transfers. That is why it is important to understand what a wire transfer is, how it works, and its advantages and disadvantages.
How does a bank transfer or wire transfer work?
A bank transfer or wire transfer is an electronic method of sending money from one bank account to another in real time and without the need for cash. It is especially advisable for transmitting large amounts when extra security is required.
The mechanism for using this transfer service is as follows.
Initiation by the sender
To make an electronic transfer, the sender must initiate the process, either in person (at a bank) or digitally (through a mobile application).
At the beginning of the process, it is necessary to provide the recipient’s information in order to complete the transaction.
Sending of instructions
The bank or financial institution verifies and validates the funds, as well as their sufficiency or insufficiency in the sender’s bank account.
Receipt and crediting
Once the information has been validated, the funds are sent to the indicated account through secure networks according to the type of money transfer.
- Fedwire: a system operated by the National Reserve, for transfers of large amounts of money within the United States
- CHIPS: a system operated by The Clearing House, for international transfers
Advantages and disadvantages of bank transfers (Wire Transfers)
Making a wire transfer has several pros and cons, such as the following.
Advantages
Speed
In the case of domestic wire transfers, the money is deposited within minutes or in less than one business day, making it advisable for urgent payments.
For international bank transfers, the time can range from 1 to 3 business days, so you should consider this limitation if you need to send money outside the United States.
Security
Money moves through official U.S. networks, which provides certainty and facilitates tracking. It also reduces the risk of fraud and scams by dispensing with traditional payment methods such as cash or checks.
Ideal for large amounts
Compared with other transfer platforms (such as Zelle, Western Union, and ACH transfers), wire transfers do not have send limits that are as low, making them ideal for moving large amounts of funds safely and quickly.
Traceability
When a wire transfer is made, each movement is recorded through the networks used, making it easy to trace the money if any issue arises during the process.
Disadvantages
Cost
Banks charge transfer fees that are considerably higher compared with other alternatives.
The cost of domestic transfers ranges from $15 to $30 USD, while international transfers can exceed $50 USD if intermediary institutions must participate in the process.
Irreversibility
If an error is made or you are the victim of fraud, a transfer cannot be reversed. In addition, the bank is not responsible for erroneous electronic payments that were duly authorized.
Detailed information required
To complete the transfer, precise information is required, such as the SWIFT code and the recipient’s name. If a figure is incorrect, the operation will still be carried out.
There are more accessible alternatives for making electronic transfers, such as Común, which provides access to a mobile application and a debit card, with simple procedures. In addition, Común account funds are FDIC insured up to the applicable limits through an FDIC-insured bank.
Required information and how to make a Wire Transfer effectively
Before making an electronic transfer, it is crucial to gather the necessary information so that your money reaches its destination without issues.
Essential data to send a wire transfer
Recipient’s full name
Make sure to write it exactly as it appears on their account.
Name of the receiving bank
Write the bank’s full name, without acronyms or abbreviations.
Routing number (ABA) for domestic transfers in the U.S.
It is a 9-digit code that identifies each bank in the United States.
SWIFT/BIC code for international transfers
It is an international identifier for each bank.
Bank account number or IBAN for international transfers
The IBAN is an international code that includes the country identifier, the bank identifier, and the bank account number.
Exact amount to send
It is very important to verify the amount to be sent, because an erroneous operation cannot be canceled.
Tips for a successful and secure transfer
Before making this type of transfer, it is essential to keep some recommendations in mind to avoid issues or errors that could affect your finances.
Double-check all information
Take the time to ensure you have entered exact and correct information, since once a transfer is authorized, it cannot be reversed.
Understand all associated fees before sending
Transfer fees depend on various factors, such as the issuing bank, amount, and—if international transfers are involved—the participation of intermediaries and the exchange rate used.
It is very important to understand all costs involved in a wire transfer, as in some cases the figure can be quite high and not very competitive.
Use reliable and transparent platforms
Ensure that your bank is a reliable institution and has appropriate security measures to handle large amounts of money. Identify whether it has FDIC backing to insure bank deposits in the United States.
Stay alert to possible fraud
Avoid sharing personal information with strangers, as well as passwords or verification codes. If you have any doubts or receive a suspicious call, contact the financial institution directly.
Común: The solution for your transfers in the U.S.
Now that you know what a wire transfer is, you will see that it is very useful for moving money, especially when large amounts are involved and a secure, fast method is sought. However, there are modern alternatives that make sending money easier.
Común offers a more accessible alternative that simplifies money management, especially for immigrants in the United States.
In addition, it offers a simple platform for making domestic and international transfers for a fee starting at $2.99 USD, up to the applicable limits.
Discover an easier way to manage your finances from the palm of your hand. Download the Común mobile app and transfer money without complications.
Frequently Asked Questions
What is the difference between a bank transfer and a wire transfer?
A bank transfer is the general way to refer to any type of digital movement of money. A wire transfer refers to the network used to carry it out. There are also ACH (Automated Clearing House) transfers and mobile payments.
How long does it take to process a wire transfer?
For domestic transfers, they are usually completed the same day if initiated before the cut-off time. After that time, they take about one business day.
International transfers usually take 1 to 3 business days.
Can I cancel a wire transfer once it has been sent?
No, it is not possible to cancel a wire transfer once it has been fully processed.
Are there amount limits for wire transfers?
There is no set limit; it depends on each bank. However, the permitted amounts are higher than with other alternatives.
International Money Transfers
What Are Remittances and How Do They Work from the U.S.?
8 min de lectura
Do you really know what remittances are? They are international money transfers made by people living and working abroad to family members or recipients in their home country.
For Latin American immigrants living in the United States, sending remittances is a crucial matter, as is having efficient financial services that allow them to send money to their families and friends quickly, safely, and at low cost.
According to recent sources, the flow of remittances from Mexico to the United States fell 12.4% year over year, which is attributed to recent immigration measures imposed by that country. For this reason, it is important that migrants have international money transfer services that understand their needs.
Why Do People Send Remittances?
For the families of migrant workers in the United States, remittances represent much more than a simple transfer of money, as they often become the main support for millions of people in Latin America.
These Are the Main Reasons to Send Remittances:
Household expense support (rent, utilities, food)
This category includes basic expenses such as food, rent, utility payments, and everything related to daily costs, highlighting the importance of remittances for recipient families.
Education and study tools
Includes payment of tuition, school supplies, transportation, preschool fees, and computing tools such as laptops or desktop computers.
Health and family emergencies
If any family member requires specialized medical care, remittances play a central role in covering hospitalization, medications, treatments, and more.
Targeted savings (e.g., family home improvements)
It is also common for migrants to use remittances to build or renovate their family homes, thereby improving their quality of life.
Unexpected expenses during travel or temporary stays
Remittances may also be useful to cover unexpected travel expenses, related to unforeseen illnesses, flight cancellations, or unplanned charges.
How Do Remittances Work and What Options Exist?
Currently, there are several remittance service options you can rely on to send money to your relatives.
Traditional banks, such as Bank of America and Wells Fargo, allow you to make remittance transfers through their digital banking services or directly at branches.
There are also specialized sending agencies, such as Western Union, one of the most widely used and longest-standing remittance services in the United States, with a global presence in more than 200 countries.
The information that traditional banks and agencies will generally require to send money includes:
- Beneficiary’s full name
- Beneficiary’s account number
- SWIFT code
- Receiving country
- Amount and currency
Finally, you can choose digital platforms, which allow you to send money through mobile apps and, in general, offer more competitive options regarding costs and delivery times.
Común is one of these platforms, integrating the fintech experience with various benefits, such as a digital account and an easy to use mobile app, that is available in Spanish. Común accepts more than 100 qualified official IDs from your country of origin to open an account and offers different options for receiving money: into a local bank account or cash pickup. With Común, send money to your relatives for clear and competitive rates, from $2.99 USD and send up to applicable limits.
These Are the Characteristics of Each Available Remittance Sending Option:
Traditional Banks
Traditional banks are a safe option to send money through wire transfer. The advantage is that they are fully established institutions in the U.S. financial system.
However, they have certain limitations, such as high fees, which can reach 60 USD depending on the bank. Additionally, transfers also tend to be slower, taking up to 5 business days.
To access this service, it is necessary to open a bank account at a traditional U.S. bank, or resort to sending cash directly at a branch.
Money Sending Agencies
Specialized agencies for international money transfer, such as Western Union, are also a reliable alternative you can use.
However, fees are usually high and exchange rates less competitive, similar to traditional banks. Although delivery times tend to be shorter.
Digital Platforms
If you are looking for an option to make international bank transfers, digital platforms are a great option. In addition to more accessible opening requirements, they offer far more competitive fees compared to the two previous alternatives.
Remember that Común offers you a comprehensive digital platform to connect with your loved ones in a simple and fair way.
Costs, Timeframes, and How to Save When Sending Remittances
The cost of sending remittances depends on three main factors:
- Sending fee: this is the commission charged by the provider for offering its sending services. This amount varies depending on the method, amount, receiving country, and involvement of intermediaries. The fee may be variable or fixed. One option is to choose a service with a fixed fee, to avoid paying more than expected.
- Exchange rate: a common practice among remittance services is not using the real market exchange rate, but adding a margin that reduces the total amount to be received.
For example, if the dollar price is 18 Mexican pesos, and the remittance service offers it at 17.50, when sending 500 USD, the total amount to be received will be reduced by 250 pesos.
- Possible charges to the recipient: Some traditional banks may charge fees for receiving transfers from foreign countries, so it is important to also verify the recipient’s conditions.
Good Savings Practices for Sending Remittances
To ensure your family receives the maximum amount possible, we recommend following these tips.
Check if there are margins in the exchange rate
The ideal choice is a provider that uses the real exchange rate or as close as possible. Otherwise, your recipient will receive a significantly smaller amount.
Prefer fixed and transparent fees
Understanding sending fees can be confusing, since several services use ranges that vary according to numerous criteria. The recommended approach is to look for a provider that offers fixed fees and with no hidden costs.
Always compare the amount received (not just the fee)
Remember that, in addition to the sending fee, you must consider the exchange rate and how much the amount to be received is reduced after applying this margin.
Avoid data errors to prevent delivery delays
Check your recipient’s information and make sure it is written correctly.
Consider the sending time and holidays in both countries
In many cases, transfers may be delayed if they are made on weekends or on holidays in either country.
Use platforms with support available in Spanish to resolve questions quickly
It is important to choose a service capable of answering your questions in your language and understanding your needs as a migrant.
Get Ready to Start Sending Remittances with Común
Every month, millions of dollars are sent from the United States to Latin America, representing an emotional and financial bridge between immigrant families and their homes, for whom remittances are a primary source of income.
Before choosing a remittance service, don’t forget to check the total amount your household will receive, considering the fee, exchange rate, and possible receiving charges. We recommend choosing a financial solution with transparent costs, support available in Spanish, and you can open your account with qualifying official ID from your country of origin.
Discover Común, the comprehensive platform that offers you low fees, with fees starting from $2.99, and send up to the applicable limits, and support available in Spanish. Open your account today and connect with your loved ones, send them money transparently.
Frequently Asked Questions (FAQ)
What happens if I don’t claim a remittance?
Remittances usually have a validity period established by the provider. Once that period expires, the money is not lost but the transaction may be canceled. In such cases, the sender may reissue it or request a refund depending on the provider’s policies.
What is the difference between a remittance and a transfer?
The main difference between the two lies in their intended purpose. Remittances are money transfers with a personal motive, commonly used to send money to relatives in other countries, whereas the purpose of a bank transfer can vary, ranging from commercial to personal payments, among others.
Thousands of immigrants are already achieving more with their money. You can too.
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.
