Have you heard of Venmo? It is a digital payment application that has gained popularity in the United States in recent years. According to recent data, in 2024 the mobile application reached 68.3 million active users, representing an 8.8% increase compared to 2023.

The importance this mobile application has acquired cannot be denied, which is why knowing what Venmo is in the United States can be very useful to send and receive money from family and friends quickly and securely.

As a foreign national living in the U.S., you must ensure that you choose a financial platform that meets your needs for sending money to your home country and making payments with ease.

In this guide, we clarify all your potential questions about how to use Venmo in other languages like Spanish, what it is for, the requirements to open an account, the benefits this mobile app offers, and also its limitations.

What Is Venmo and How Does It Work?

Venmo is a highly popular P2P (peer-to-peer) payment mobile application in the U.S. Its primary purpose is to facilitate the instant transfer of money between friends and family, in addition to allowing users to link bank accounts and cards.

Venmo’s business model is based on charging fees for services such as credit card transactions, instant transfers of money to bank accounts, and transactions using its physical card.

Some of the most common reasons immigrants use Venmo include:

• Paying monthly rent
  
  
• Receiving wages from occasional jobs
  
  
• Paying or receiving money from friends and family
  
  
• Lending or repaying money to acquaintances
  
  

Key Features of Venmo: What Can You Do With It in the U.S.?

To fully understand what Venmo is in the United States, it is important to explore the functionalities this P2P payment service offers its users to simplify their lives:

• Instant sending and receiving of money between Venmo users
  These are the mobile app’s most important features, as it allows for instant transfers without charging a fee between Venmo users.
  It also enables adding notes or emojis to identify each transaction and the option to use the mobile app’s balance or a linked bank account.
  
  
• Use of Venmo Debit Card (Mastercard) for purchases
  Venmo also offers a physical debit card for making purchases at brick-and-mortar establishments. It is valid at any merchant that accepts Mastercard within the United States.
  Additionally, it includes an extra benefit: each purchase with the debit card accumulates cash back for greater savings.
  
  
• Direct deposit for wages and benefits
  You can use your Venmo account to receive your salary or other types of transfers. All you need is your personal QR code.
  
  
• Bank transfers to bank accounts
  Venmo offers two types of bank transfers: standard transfers, which are free and take one to three business days, and instant transfers, which incur a fee of approximately 1.75% and are completed within minutes.
  
  
• Payments to businesses and merchants that accept Venmo
  Another advantage of this service is the “Pay with Venmo” feature, which allows payments at physical or online businesses that accept Venmo.
  This streamlines transactions and enables you to use the balance deposited in the application directly.
  
  
• Social features: comments, “likes,” and bill-splitting
  Lastly, one feature that makes Venmo more appealing is the ability to add comments, likes, and emojis.
  This allows you to request payments from friends and family, add reminders, and split expenses among multiple users.
  
  
• Business profiles for companies
  Venmo allows small businesses and independent workers to create a business profile to receive payments directly into their account via username or QR code.
  
  

What Do I Need to Have Venmo? The Reality of Its Availability

Now that you know the benefits of this mobile application in detail, you probably want to learn the requirements to start using it.

Before learning how to pay with Venmo, remember that it only works in the United States.

These are the requirements to use Venmo:

• Have an Android or iOS phone
  As it is a mobile application, you must have a compatible Android or iOS smartphone and download the mobile app from the corresponding store.
  
  
• Register with a personal phone number
  To register in the mobile app, you need a U.S. phone number and must reside in the country, as Venmo is only available there. You may also register with an email address.
  
  
• Link your U.S. bank account
  Linking a bank account isn't required to create your Venmo account; you can receive money and pay with your balance or a card. However, most features require a linked bank account.
  
  
• Link a debit or credit card
  Another option to access all Venmo’s features is linking a credit or debit card instead of a bank account. This allows you to use the card’s balance for transactions directly from the mobile app.
  
  
• Verify your account
  Account verification is required to access all Venmo features, to confirm users’ identities. Verified users can send up to $60,000 per week, but only if their SSN or ITIN has been confirmed. Non-verified users can send up to $299.99 per week.
  
  

To verify your account, Venmo will request the following:

• Full legal name
  
  
• Mailing address in the United States
  
  
• Date of birth
  
  
• SSN (Social Security Number) or ITIN
  
  

How to Transfer Money from Venmo to My Bank Account?

To transfer money from Venmo to your bank account, once it is linked and verified, follow these steps:

1. Log into your account through the mobile app and go to the “Me” tab.

2. Press the “Transfer” or “Add” button.

3. Enter or edit the amount you want to transfer to your bank account.

4. Select the transfer method: “Instant” or “up to 3 biz days,” noting any applicable fees.
5. Confirm the transfer details and complete the process.

If you want more options for depositing money into another person’s account, do not miss these recommendations.

Limitations of Venmo for Immigrants: Why Is It Not a Complete Solution?

The need for immigrants to have an integrated solution allowing access to digital payments, transfers, and other benefits increases daily. Therefore, while Venmo is a popular option for sending and receiving money in the U.S., it may present limitations for immigrants working in the country.

One limiting factor for immigrant communities is the language barrier in customer support. Because it is a service designed for U.S. residents, it is not optimized for people who speak a different language, such as Spanish. In addition, you should have a U.S. bank account.

Your best option may be to entrust your financial assets to a service offered in your language.

Comun: An Excellent Alternative to Venmo for the Immigrant Community in the U.S.

We present Comun, the solution for immigrants seeking to improve the way they send and receive money to family and friends.

Why Is Comun a Great Option for Immigrant Communities in the United States?

• Comun allows you to open an account with the official identification from your country.
• It is also a platform available in Spanish without complicated terms.
  
• Unlike Venmo, Comun enables you to send remittances to LATAM for an affordable fee starting at $2.99, subject to applicable limits.
  
• Access a mobile application to perform your transactions from the palm of your hand.
  

If you think accessing quality financial services in the U.S. is impossible for immigrants, open your Comun account today and forget about complications.

‍

Disclosures:

“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.”

“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.”

“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.”

“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.”

‍

Have you heard of Zelle? It is a highly popular digital payments platform in the United States. It allows users with accounts at affiliated banks—whether traditional banks, digital banks, or credit unions to easily send and receive money.

In 2024 alone, Zelle reported 151 million enrolled accounts, including individuals and small businesses, reflecting its widespread adoption among U.S. users.

If you need to send money outside the United States easily, for example Mexico, you may be wondering which banks in Mexico support Zelle.

However, this platform does not have agreements with any banks in Mexico, and it is mandatory to have a U.S. banking account to access its services.

Nevertheless, there are other options as efficient as Zelle for sending money to Mexico, such as banking accounts with integrated remittance services and international money transfer applications.

Below, we explain how to receive money through Zelle, the benefits it offers for users in the United States, and the alternatives available for sending money to other countries.

What is Zelle and Is It Possible to Use It in Mexico?

Zelle is a digital payments service that facilitates P2P (peer-to-peer) transfers at certain partner banks within the United States.

It is known for being a fast service, with money transfers reflected within minutes, in addition to being free and having broad coverage throughout the U.S.

It operates through the mobile apps of participating banks, as it is directly integrated with them and only allows money transfers to other Zelle users.

But which bank in Mexico is compatible with Zelle? Unfortunately, it is not possible to send or receive money through this platform in Mexico, as it is not designed for international money transfers and only complies with the technological and regulatory standards of the U.S. financial system.

Which Banks in Mexico Use Zelle? Everything You Need to Know

No bank in Mexico is compatible with Zelle services, meaning that international money transfers cannot be made through this platform.

To use Zelle, you must have a U.S. banking account at one of the affiliated banks.

Here is a list of some of the major banks that support Zelle in the United States:

1. Ally Bank
2. Bank of America
3. BMO Harris Bank
4. Capital One
5. Chase (JPMorgan Chase)
6. Citibank
7. Citizens Bank
8. Discover Bank
9. Fifth Third Bank
10. FirstBank
11. Frost Bank
12. Huntington Bank
13. PNC Bank
14. Regions Bank
15. TD Bank
16. Truist Bank
17. US Bank
18. Wells Fargo

Although Comun is not integrated with Zelle, this does not limit its functionality, as it is a comprehensive personal finance solution that goes beyond just money transfers.

How to Send Money to Mexico with Zelle? Answers and Efficient Alternatives

If you need to send money to Mexico quickly, you will have to choose a different service than Zelle, as it only allows bank transfers between U.S. accounts.

The main reasons Zelle is not available in Mexico are:

• To register with Zelle, you must access the online banking platform of one of the affiliated U.S. banks.
• You also need a U.S. phone number or email address.
• Zelle is not a remittance or international payment platform, so it does not have the capacity to convert currencies or deposit funds in international banks.
• Zelle does not comply with the regulations of financial institutions in Mexico, such as Banxico and the CNBV.

If you have used Zelle to send money within the United States, you are likely looking for a similarly reliable system to make international money transfers.

U.S. Banking Accounts with Integrated Remittance Services

In addition to traditional banks, there are alternatives that offer integrated remittance services to facilitate money transfers to Mexico.

Comun is a platform that meets the needs of many people in the United States, especially the immigrant community, by allowing remittances to be sent to loved ones easily, at very low cost, and through a single mobile application.

International Money Transfer Platforms

Another alternative for making international money transfers is to use platforms specialized in this type of transaction.

Examples include:

• Wise: sends money between accounts using the real time exchange rate.
• Remitly: offers international money transfers with standard or instant delivery.

The advantage of these platforms is that a bank account is not required, and their operation is accessible. However, the money transfer fees vary depending on factors such as the amount to be sent and the exchange rate.

Traditional International Bank Transfers to Mexico

You can also opt to make money transfers through traditional banks, for which you will need the SWIFT code of the receiving institution in Mexico and the recipient’s banking details.

Although it is a secure option, it is also one of the most expensive, due to high fees and intermediaries that increase the cost.

For example, a U.S. bank like Bank of America charges a $45 USD fee plus an average of 1% to 3% exchange rate margin. Therefore, in a money transfer of $1000 USD, the recipient receives approximately 900 pesos MXN less than with specialized international money transfer platforms.

Cash Deposit/Withdrawal Services at Retail Networks

If the recipient does not have access to a banking account, you can choose a service for cash deposit and withdrawal at physical locations.

Some examples include:

• Western Union: global network for bank transfers and cash delivery
• MoneyGram: allows money transfers to banking accounts and in cash
• Comun: also allows quick cash transfers

Beyond Zelle: Comun Simplifies Your Financial Life in the U.S. and Your Money Transfers to Mexico

Although Zelle is a very effective service for sending and receiving money within the United States, it has limitations that prevent international money transfers, making it more suitable for citizens who need to make frequent payments within U.S. territory.

For the immigrant community in the United States, it is important to choose a solution that not only facilitates money transfers but also offers a complete, accessible, and easy-to-use finance platform.

Comun is the platform that will simplify your financial life in the United States, offering the following benefits:

• Open an account easily using your official ID from your country.
• Forget about traditional fees: no opening fee, no monthly maintenance fee, and no minimum balance required.
• No hidden charges for remittances: your first international money transfer is free, and afterward you pay a fee starting at $2.99 USD per transfer, up to the applicable limits.
• Customer support also available in Spanish.
• Integrate your finances and remittance service in a single mobile application, making Comun the most suitable option.
• Obtain a Visa debit card to make purchases in physical stores.
• Access an extensive cash management network and make deposits at thousands of locations near you.

Open your Comun account and access a financial service without complications.

Frequently Asked Questions

Do I need a U.S. account to use Zelle?

Yes, Zelle is only available through the online banking platforms of affiliated U.S. banks.

Can I send money to Mexico via Zelle if I have a U.S. account?

No, no bank in Mexico is compatible with Zelle.

What are the best alternatives to Zelle for sending money to Mexico?

Comun: a fintech platform that provides access to an account and remittance capabilities.

Does Comun offer Zelle for sending money to Mexico?

Comun is not connected to Zelle, but you can send money to Mexico for a fee starting at $2.99 USD per transfer up to the applicable limits.

How do I set Zelle to Spanish?

Since it is a service available through the affiliated bank apps, you must access their settings and select Spanish as the preferred language.

How do I download Zelle?

Go to the Play Store or App Store and search for Zelle. Remember, it is only available in the United States.

‍

For immigrants in the United States, sending money to their home countries regularly is essential. Therefore, it is important to have access to affordable and accessible financial services.

If you want to know how to make an international money transfer, it is crucial to first compare the different providers of this service and choose the one that offers the most advantages for you and your family.

Comun stands out as a popular option among immigrants because it allows them to send money abroad from the United States, offering advantages in terms of cost, speed, and other key factors.

Below, we provide a comparison table that includes Comun and traditional financial institutions in the United States, such as Bank of America and Wells Fargo:

‍

‍
How Does an International Money Transfer Work?

The first point to understand is the types of bank transfers available, as this determines the final cost of sending an international money transfer.

In the United States, there are two types of international money transfers: through traditional banks or through specialized services for sending money abroad.

International Money Transfers via Traditional Banks

• Supported by official U.S. financial institutions and security measures, including:
  
  • Identity verification (KYC/CIP) and ongoing AML monitoring (BSA).
  • OFAC sanctions screening for senders and recipients.
  • Consumer protections for remittances under Regulation E (pre-transfer disclosures, cancellation rights, and error resolution).
  • Network and messaging security standards (e.g., SWIFT Customer Security Program).
  • Multi-factor authentication and encryption for online banking access.
    
    
• A U.S. bank account is mandatory
  
  
• Operates through the SWIFT code
  
  
• Generates higher fees due to intermediaries
  
  
• Transfer time may take up to 5 business days
  
  

International Transfers via Specialized Applications

• Operates through digital networks connected with banks or physical branches in each recipient country
  
  
• Lower fees, as they do not use intermediaries and offer more competitive exchange rates
  
  
• Money transfers are completed within minutes or hours
  
  
• A U.S. bank account is not mandatory to use these services
  
  

Before paying unnecessary fees, make sure to choose the best international money transfer provider and make the most of your money.

Steps and Requirements for Making an International Money Transfer

Below, we outline what is needed to easily make an international bank transfer from the United States, whether you choose a traditional bank or a specialized application for this type of service:

1. Choose a Provider

‍
Some of the traditional banks you can use are Chase, Bank of America, Capital Bank, Citibank, and Wells Fargo. If you don't have a US bank account, you'll need to make sure you have the necessary requirements to open an account, such as a Social Security Number (SSN). For the aforementioned banks, you can present an ITIN instead, along with a government-issued ID.

Another factor to consider is how long an international money transfer takes, as traditional banks usually take longer due to intermediaries involved in the process.

If you prefer a specialized application for international money transfers due to the flexibility they offer compared to banks, an excellent alternative is Comun, which allows you to transfer money from your phone without complications or intermediaries.

2. Create an Account

General Requirements for Opening an Account at a U.S. Bank

• Valid passport or immigration document
  
• Social Security Number (SSN)
  
• Individual Taxpayer Identification Number (ITIN)
  
• Proof of address in the United States
  
• Some banks require an initial deposit of approximately $25 USD
  Depending on the bank, you may open the account online or by visiting a branch for data verification.
  
  

Requirements for Opening an Account with Comun

• Mobile phone compatible with Android or iOS
• Email address
• Official foreign identification
• Have a US residential address
  
  

In both cases, you will have access to a debit card and a mobile application that will allow you to make international money transfers and other transactions from the palm of your hand.

3. Enter Transaction Details

‍
Once you activate your account, enter the information required for an international money transfer:

• Full name of your recipient, as it appears on their official ID
  
• Recipient’s phone number
  
• Recipient’s address (only if sending money to a bank account)
  
• Recipient’s account number (only if sending money to a bank account)
  
• SWIFT code (if transferring through a traditional bank)
  
  

Then, enter the amount you wish to send.

Comun and other specialized applications also allow cash pickup at physical locations, so your recipient does not need a bank account.

4. Review Costs and Rates

‍
Next, review the international money transfer fees as well as the exchange rate, as these will impact the final amount your recipient receives.
The cost of an international money transfer depends on several factors, which we detail below.

5. Send the Money

‍
Once you confirm that the information entered is correct, authorize the transfer, including any additional fees.

Comun allows you to track your transfers through its application, whether you choose to send money to a bank account or opt for cash pickup at a physical location.

Remember that transfer speed depends on the platform, and traditional banks can take up to 5 business days to complete these transactions.

6. Confirm Receipt

‍
Finally, confirm with your recipient that the transfer was received within the stipulated timeframe. You can generate a transaction receipt directly in the mobile application.

Everything About the Cost of Sending Money Abroad from the U.S.

International money transfers are a common practice among immigrants in the United States.

That is why it is essential to detail the factors that influence the cost of transfers, as well as the best options for sending remittances to your family quickly and without complications.

These are the main factors to consider when calculating the cost of your international money transfers:

• Transfer Fees

International transfers incur a fee, which varies depending on the platform, whether it's a traditional bank or a specialized app.

Another factor that affects the fee level is the method used to send the money. The price can vary depending on whether the transaction is made through a website, an app, or at a physical branch.

International money transfer fees at traditional banks vary depending on the financial institution. Here are some examples:

• Bank of America: $45 USD
• Wells Fargo: from $25 to $40 USD 
• Citibank: from $25 to $35 USD 
• Truist Bank: $65 USD

On the other hand, some mobile applications offer international money transfer options for less than $3 USD, which is much more beneficial for the economy of foreign workers.

• Exchange Rate
   

The exchange rate also significantly impacts the final amount your recipient receives. It refers to the value applied by the platform when converting the dollar amount to the local currency.

Traditional banks generally use a lower rate than the official rate. For example, if the Mexican peso is officially 18.00, banks might apply approximately 17.20 MXN.

This means that if you send $300 USD, your recipient could receive about $13 less (240 MXN less), not counting the bank fees, which make the cost even higher.

• Hidden Fees

In addition to international money transfer fees, traditional banks may charge additional fees if intermediary banks are involved in processing the transfer.

We recommend checking all costs involved and choosing a competitive option that does not reduce the total amount your family will receive.

Comun is an excellent alternative for making international money transfers, as your first transfer fee is waived, and subsequent transfers have a fee starting at $2.99 USD per transfer, up to applicable limits, with no hidden fees or intermediaries.

‍

Review our comparison table between traditional banks and Comun at the beginning of this article, and choose the best option for your money.

Want to Make Secure International Money Transfers? Do It Easily with Comun

In this article, we presented how to make an international money transfer from the United States through traditional banks or specialized applications such as Comun, an excellent choice for immigrants.

Comun is the solution for bringing immigrant families closer together through affordable and low-cost remittances.

Why Choose Comun for International Money Transfers?

• Easily open your account with official documentation from your country
  
• Send money to your family with a transfer fee starting at $2.99 USD, up to the applicable limits.
  
• Your money will arrive within minutes
  
• Access a mobile application and Visa debit card for better control of your finances
  
  

Discover an easy and fast way to access the financial services you deserve. Open your account with Comun and forget about complications.

‍

‍

‍

Comun no tiene sucursales, pero cuenta con un equipo que apoya a sus clientes las 24 horas del día, los 7 días de la semana, sin salir de sus hogares, en tres idiomas diferentes.

Construir mejor futuro para los inmigrantes en los EE. UU. es un principio fundamental de la misión de Comun. Opciones bancarias accesibles y fáciles de entender son una parte clave del viaje del inmigrante. Sin embargo, las opciones son escasas.

Las opciones complejas, engorrosas y costosas son la norma. Actividades que pueden parecer triviales e intuitivas para los nacidos en los EE. UU. son abrumadoras y confusas para un inmigrante recién llegado. Todo, desde configurar un depósito directo con un empleador hasta enviar dinero a casa, realizar pagos de bienes y servicios o comprender cómo construir un puntaje crediticio, parece demasiado complejo para cualquiera que nunca haya tenido que hacer esto en los EE. UU., y mucho menos en absoluto.

Las tarifas ocultas y las comisiones costosas añaden un nivel de estrés al comenzar una vida financiera en los EE. UU. Entre los saldos mínimos de cuenta, las tarifas mensuales, los cargos por sobregiro, las grandes tarifas de depósito de cheques, las comisiones extorsivas de transferencias internacionales y todo lo demás, mantener y usar una cuenta bancaria en los EE. UU. puede ser costoso. Para los trabajadores manuales, esto puede representar un porcentaje importante de su salario.

Las ubicaciones físicas de los bancos tradicionales también pueden ser escasas en algunas áreas. Dado que abrir una cuenta bancaria o depositar un cheque o efectivo en la cuenta debe hacerse en la sucursal, esto es una carga significativa para alguien que vive en una zona remota. Muchos inmigrantes, a veces trabajando en granjas o fábricas remotas, viven en áreas a kilómetros de distancia de la sucursal bancaria más cercana. Los costos de transporte a esas sucursales se suman a las tarifas ya altas de usar y mantener una cuenta.

Incluso si los servicios bancarios proporcionados fueran más intuitivos, digitales y a un costo menor, queda otra barrera importante. Obtener la documentación necesaria para abrir una cuenta bancaria también puede dificultar el acceso a servicios financieros justos y simples. Los inmigrantes lo suficientemente afortunados como para tener autorización de trabajo aún necesitan reunir documentación importante que no siempre está disponible para ellos. Para aquellos que han llegado a los EE. UU. buscando asilo o mejores oportunidades de trabajo siguiendo un camino más no convencional, los documentos requeridos para abrir una cuenta a menudo son prohibitivos.

Construir una plataforma bancaria 100% digital para resolver los problemas mencionados es parte de lo que Comun busca lograr porque creemos en ayudar a desbloquear la movilidad social. Pero una plataforma digital, de bajo costo e intuitiva no es suficiente. Para navegar este proceso, los inmigrantes necesitan ayuda, y la ayuda se encuentra mejor en una Comunidad que los entiende cuando más lo necesitan.

Es por eso que no solo nuestros clientes son parte de nuestra Comunidad, sino también las personas que los ayudan las 24 horas del día, los 7 días de la semana a través de nuestra aplicación, redes sociales, WhatsApp o por teléfono. Más allá de resolver un problema inmediato, el apoyo brindado va más allá. Enseña y educa, empatiza y se esfuerza por fomentar un sentido de Comunidad de personas que los entienden, en términos que comprenden y en el idioma que hablan. Este es el núcleo de la verdadera banca comunitaria digital. Nuestro equipo les ayuda a configurar su depósito directo, conectarse a Zelle, obtener reembolsos por cargos con los que no están de acuerdo y todo lo demás.

En Comun, el primer paso en este viaje ha comenzado. Nuestro equipo en Mérida, México, es parte de nuestra Comunidad y a la que buscamos servir. Son una extensión de nuestra misión y de nuestra plataforma digital, y un ingrediente necesario para desbloquear la movilidad social para millones de inmigrantes en los EE. UU.

En los Estados Unidos, una forma común de recibir pagos es a través de cheques. Sin embargo, cobrar un cheque en los Estados Unidos puede ser costoso, especialmente para los latinos y otras comunidades marginadas. Aquí, exploraremos por qué cobrar cheques en los Estados Unidos es tan costoso y qué soluciones existen para aquellos que buscan cobrar sus cheques de forma gratuita.

¿Por qué cuesta tanto cobrar cheques en los Estados Unidos?

Una de las razones principales por las que cobrar cheques en los Estados Unidos es tan costoso es porque muchas personas no tienen cuentas bancarias. Si no tiene una cuenta bancaria, es posible que tenga que recurrir a una empresa de cheques en efectivo para cobrar su cheque. Estas empresas cobran tarifas altas por sus servicios y, a menudo, están ubicadas en áreas de bajos ingresos, lo que significa que las comunidades latinas y marginadas son unas de las más afectadas.

Además, muchos bancos cobran tarifas por depositar cheques, especialmente si no tiene una cuenta con ellos. Si bien las tarifas pueden parecer pequeñas individualmente, se suman rápidamente, lo que hace que cobrar cheques sea costoso para las personas que ya luchan por llegar a fin de mes.

Por último, existe el riesgo de fraude de cheques. Las empresas de cheques en efectivo y los bancos quieren asegurarse de que los cheques sean legítimos antes de pagarlos, lo que puede llevar tiempo y aumentar las tarifas para el cliente.

¿Por qué los latinos sufren estos costos?

Las comunidades latinas a menudo tienen menos acceso a servicios bancarios y financieros, lo que significa que son más propensas a tener que recurrir a empresas de cheques en efectivo para cobrar sus cheques. Además, muchas comunidades latinas se encuentran en áreas de bajos ingresos donde estas empresas de cheques en efectivo están ubicadas, lo que aumenta el costo de cobrar cheques. Estas empresas también pueden estar ubicadas en áreas peligrosas o poco seguras, lo que hace que cobrar cheques sea aún más difícil y costoso para las comunidades latinas.

¿Qué soluciones existen para cobrar cheques de forma gratuita?

Afortunadamente, existen varias soluciones para aquellos que buscan cobrar cheques de forma gratuita. Una opción es abrir una cuenta bancaria en una institución financiera que ofrezca cuentas gratuitas o de bajo costo. Comun es una banca en línea en español, que brinda cuentas sin cargos mensuales y sin requisitos de saldo mínimo.

Comun brinda la opción de cobrar cheques a través de su aplicación móviles de banco. Esta opción de depositar cheques a través de un teléfono puede ser más conveniente y económico que acudir a una empresa de cheques en efectivo.

También existen organizaciones sin fines de lucro que ofrecen servicios de cheques en efectivo gratuitos o de bajo costo a personas de bajos ingresos. Por ejemplo, la organización sin fines de lucro UnidosUS ofrece una red de organizaciones con servicios financieros gratuitos y de bajo costo a comunidades latinas y marginadas.

En conclusión, cobrar cheques en los Estados Unidos puede ser costoso, especialmente para las comunidades latinas y marginadas que a menudo tienen menos acceso a servicios bancarios fáciles de usar. Por eso tenemos que estar bien informados de nuestras opciones económicas.

‍

Are you looking for an option to send and receive money within the United States? In the digital era, it is essential to have access to an immediate, secure, and free transfer service.

Sometimes sending and receiving money can be challenging due to high fees or limited access to the banking system. For this reason, knowing how to register for Zelle and learning about alternative solutions such as Comun will be extremely useful for sending money without complications through the most efficient services.

In this guide, we will explain what Zelle is, how to register, what requirements are necessary to send and receive money, and why Comun works as a complementary solution to expand your options when facing restrictions that could hinder your access to mobile payment services.

What Is Zelle and How Does It Work for Your Daily Payments?

Zelle is a digital P2P (peer-to-peer) payment service available in the United States. It is associated with more than 20,200 traditional and digital banks and credit unions, such as Bank of America, Wells Fargo, Ally Bank, Capital One, and Navy Federal Credit Union. Zelle is well known for its wide coverage and ease of transferring funds between users of this system.

Other advantages of Zelle include:

• Near-Instant Transfers
  Users can receive their money within minutes.
  
  
• Ease of Use
  It is directly linked to bank applications, eliminating the need for an external app.
  
  
• Security
  It is backed directly by banking institutions, so you can be confident that your money will reach its destination.
  
  
• Usage Fees
  You can send and receive money without paying commissions to other Zelle users.
  
  

Please note that Zelle is only available within the United States. If you need to make international transfers, find the best options here.

How Does Zelle Work?‍

Zelle operates through its connection with their affiliated banks’ applications. To send and receive money, you must first verify that your bank is part of this service’s network.

If so, complete your registration directly through your bank’s online platform and begin sending and receiving money to your account using a phone number or email address.

Using Zelle is very practical for daily transactions such as paying rent or purchasing goods and services. It is also a secure way to send money to family and friends.

In addition to Zelle, there are other alternatives for sending and receiving money within the United States. Discover the 6 best mobile apps of 2025.

What Changed in Zelle in January 2025?

‍
Zelle announced an important change in its application that took effect in April 2025. The change consists of eliminating transfers through its standalone app, as the service can now only be accessed through the online banking platforms of U.S. financial institutions integrated into its network.

If you wish to download the Zelle app, you may still use it to review your payment history.

How to Download Zelle to My Phone: Key Requirements to Register and Use It Without Complications
To have a Zelle account, you only need to meet the following requirements:

• U.S. Mobile Phone Number or Email Address
  To use Zelle, you only need to register a phone number and an email address. Your contacts can use either of these to send you money easily.
• U.S. Bank Account
  Since Zelle operates directly through bank connections, having an account with one of the institutions integrated into its network is mandatory.
  Check the list of banks that offer Zelle on their website and ensure you will be able to use the service in 2025.
  
  
• Banking Application
  Finally, you must download your financial institution’s mobile banking app, as you will access Zelle through it.
  
  

What Can I Do If I Cannot Open an Account in the United States ?

Sometimes, opening an account is not accessible for many individuals, whether due to lack of required documentation or insufficient credit history.

If this is your situation, Comun is a great alternative for sending money to your loved ones safely, quickly, and at low cost.

Comun is a platform that understands the needs of immigrant communities in the United States. Open your account today and experience an accessible alternative for your finances.

4 Simple Steps to Register for Zelle‍

If you are wondering how to open a Zelle account, simply follow these steps:

1. Open Your Bank’s Mobile Application (If It Is a Zelle Partner)
Once you verify that your bank works with Zelle, open the mobile application and register if you have not done so yet.

2. Locate the Transfers and Payments Section
In the main menu, click on the transfers and payments section, then select “Send Money with Zelle.”

3. Register Your U.S. Phone Number or Email Address
To send and receive money with Zelle, it is necessary to register a U.S. phone number and an email address.

4. Link Your Bank Account
Confirm your information and start sending and receiving money with Zelle quickly after completing a test transaction.

With Your Comun Account, Make and Receive Payments Easily and Quickly

Undoubtedly, Zelle is an excellent tool for bank transfers, offering a fast and very simple service to use. Although it is only available to users of participating banks, it has broad coverage.

While Zelle represents a practical solution for many users, it has limitations such as requiring an eligible U.S. bank account.

Comun, on the other hand, is an alternative solution that goes beyond traditional limitations, as it allows you to send international transfers using your official national identification. It is designed for immigrants in the United States and offers simplified financial management. This service provides you with:

• A debit card to make purchases at physical establishments
  
• Access to a mobile app for better financial control
  
• The ability to send remittances to your loved ones for a fee starting at $2.99 per transaction up to the applicable limits
  
• The opportunity to join our community that understands your needs
  

Download the Comun app and enjoy transparent, easy, and personalized finance designed for you.

‍

Knowing how to receive money from the United States is essential, as remittances have become a key part of the economy for thousands of immigrant households. According to estimates, by 2030, migrant workers will send a total of $5 billion to their country of origin.

The growing need to send and receive money from abroad has encouraged the creation of new methods specifically designed for countries like Latin America. Below, we present the fastest, easiest, and safest options for receiving your money without complications.

You will learn everything about receiving money from the United States and Latin America: key aspects such as costs and security, requirements to open an account, and different applications for sending money from the United States. By the end of this article, you will know exactly which option is best suited to your needs.

5 Key Aspects to Consider When Receiving Money from the United States

Thanks to technological advances and financial openness, sending and receiving money through digital means is increasingly simple and accessible.

However, immigrant families still face various obstacles, such as high transfer fees, bank-imposed restrictions, and weak security measures.

Undoubtedly, this is not a decision to be taken lightly. Before accepting the terms and conditions of any provider, pay attention to the following key aspects:

Transfer Speed

‍

Access to cash quickly is a fundamental need for users receiving money from the United States. The reception time varies depending on the sender and other important factors:

• Type of bank: If the transaction is carried out through a traditional bank, it may take up to 5 business days. It is therefore advisable to opt for a company specialized in international transfers.

• Holidays or non-business days: These can also affect the speed of money reception.

• Receiving bank conditions: Each financial institution sets its own rules for receiving remittances, so it is advisable to consult your bank's specific conditions.

‍

Cost/Fees

A fundamental aspect to consider when receiving money from the United States is the fees, which can exceed 10% of the total amount and significantly reduce household support.

Consider an option that offers affordable costs and a favorable exchange rate.

Security and Reliability

The theft of personal data, commonly known as phishing, is the primary risk in international money transfers. To avoid becoming a victim of such fraud, make sure to use a reliable service through an official website or mobile app. Additionally, do not share passwords or sensitive information with third parties.

Ease of Use

According to the study Remittances to Latin America and the Caribbean 2024, 60% of migrant workers in the United States send money to their mothers. It is important to choose a provider that understands your needs and offers reliable, secure, and easy-to-use platforms.

Receiving Options

If for any reason you cannot receive money through bank transfers, look for an option that offers cash pickup locations near you, such as Oxxo or Walmart.

What Do You Need to Receive Money from the United States?

Regardless of the bank you choose the requirements for receiving money can be summarized as your basic personal information:

• Full name of the beneficiary
• Account number
• Name and address of the receiving bank
• SWIFT/BIC code of the receiving bank
• Address of the beneficiary
• Name of the intermediary bank

‍

The requested data may vary depending on the receiving country, so you may be asked for more or less information. Remember, no reputable institution will ask for passwords or access information to complete transfers or send money.

3 Methods to Receive Money from the United States Without Complications

If you need to send and receive money from the United States to Mexico, you can choose from the following options:

1. Receiving Money into Your Account

This is a simple way to receive money from the United States, as it allows you to do so from the comfort of your home via a mobile application.

In the case of Mexico, most traditional banks tend to receive transfers from the United States under their own terms and conditions. This means that fees and exchange rates vary by financial institution.

For Banorte and BBVA, the cost for international transfers is $30 plus VAT, regardless of the amount sent.

Receiving money through traditional financial institutions can be expensive; fortunately, there are more affordable alternatives.

2. Receiving Money Through Comun

Comun allows you to send money from the United States to Latin America with no charge on your first transfer and accessible fees thereafter. It is the preferred option among the immigrant community, offering shared language, interests, and goals: bringing families closer together through secure and affordable financial solutions.

Open your account with Comun and start sending money from the United States to your home without complications. Your family can receive it in local bank accounts or collect it physically at partner locations.

3. Receiving Money on Other Platforms

Wise

Wise is another platform that offers international money transfers. It is geared toward independent workers around the world who earn income from the United States.

Although it is a common alternative for receiving money digitally from abroad, it does not offer physical pickup options, which may be a drawback for migrant families.

Western Union

Western Union is one of the most popular options among migrant workers in the United States, as it allows for cash transfers without the need for a bank account, including to rural or hard-to-reach areas.

It is a suitable option in certain circumstances, but be aware that Western Union’s commission fees are typically high, and it uses a lower exchange rate than the market.

The cost of sending money depends on several factors, such as the method used and the destination country. However, the fee can reach up to 6%, not including the exchange rate difference.

MoneyGram

Finally, MoneyGram is an international money transfer service operating in over 200 countries, including Mexico.

Your Family Gets More for Less: Send Money with Comun from the United States. 

As you can see, sending and receiving money from the United States does not have to be complicated. Today, there are financial services that aim to bridge the gaps that hinder communication between businesses and individuals.

Comun is an accessible option for all, offering the best benefits for immigrant families:

• Access to a debit card and mobile app
• Account opening with official ID from your country
• Competitive fees for International money transfers, starting at $2.99 transfer fee
• No opening fees or monthly charges

‍

Compare and choose the option that best fits your needs. Remember that you have an ally in Comun to receive money from the United States without complications.

Frequently Asked Questions

‍

How long does it take for money to arrive from the U.S. to Mexico?

With Comun, your money arrives in minutes via bank transfers. Cash pickups at partner locations take as little as 1 hour.

What are the typical fees for receiving money?

Fees usually depend on the amount and destination country. Comun offers a transfer fee starting at $2.99, regardless of the amount sent up to the applicable limits.

Do I need a checking account to receive money?

Comun provides a checking account that includes a debit card and mobile application. However, it is not required, since you can receive money at physical locations.

Is it safe to receive money through digital platforms?

Absolutely. Comun is backed by major financial institutions. Your Comun account funds are insured by the FDIC up to $250,000 per ownership category through Community Federal Savings Bank (CFSB), member of the FDIC, in the event of CFSB’s failure.

‍

Did you know it is possible to send money without having a bank account? The lack of access to financial services is a problem that negatively affects the quality of life of thousands of immigrant workers in the United States.

For example, according to a recent survey, the rate of the Latino community in the United States without a bank account dropped from 15% to 10% over the last two years. However, it remains high compared to the national average of 4.5%.

While having a bank account facilitates financial transactions such as transfers, in-store payments, and online purchases, there are now alternatives that allow you to access banking services without needing an account.

Below, you will discover how to transfer money from one card to another without an app or bank account, as well as the safest and simplest methods available to you.

‍

Sending Money Online

Not having a U.S. bank account is not an obstacle to sending money domestically or internationally, as there are methods widely used among immigrant workers who regularly send remittances and conduct other transactions using prepaid cards and cash payments.

‍

International Money Transfer Providers

This is one of the most popular ways to send money without a bank account due to the accessibility, variety of payment methods, and broad coverage typically offered.

International money transfer providers are companies that specialize in facilitating money transfers from one country to another. The key features of these services include:

• Specialization in international money transfers, unlike traditional banks, which have certain limitations, such as high commissions, unfavorable exchange rates, extensive delivery time, and participation of intermediaries that increase costs.
• More affordable fees.
• Various sending methods.
• Multiple Money Transfers Locations

‍

How to Send Money Without a Bank Account Through an International Transfer Platform

Comun allows you to send money to your loved ones for a modest transfer fee starting at USD 2.99 up to the applicable limits. It is very simple; just follow these steps:

1. Open your account with Comun; it will only take a few minutes!

2. Choose the most convenient delivery method for your recipient, such as cash pick up at a physical store like Oxxo, Grupo Elektra, 7 Eleven, and more.

3. You may also send money directly to a bank and have it picked up at one of its branches.

4. Track the delivery directly in your Comun mobile application.

‍

Comun is an excellent option for our community, as it provides Spanish-language service, which is highly appreciated by the immigrant community. Open your account today and start sending money without complications.

‍

What Information Do You Need to Send Money Without a Bank Account?

To send money without a bank account, you only need the following information about your recipient:

• Full name of the recipient, exactly as it appears on their official ID.
• Recipient’s phone number.
• If the transfer is made to a bank account, you will also need:
  
  • Recipient’s address.
  • Bank account number, depending on the receiving country.

‍

P2P Services

P2P (peer-to-peer or person-to-person) services allow immediate money transfers between individuals without intermediaries. These options are useful for everyday needs such as paying rent, shared services, splitting transportation costs, and sending money to your relatives in the US or internationally.

How to Send Money Without a Card Using P2P Services

1. Choose a reliable provider, such as Cash App or Venmo.
2. Enter the recipient’s phone number in the mobile app.
3. Confirm the transaction and track it.

‍

Sending Money by Mail

Other alternatives involve sending a cashier’s check, a certified check, or a money order through the postal service.

Cashier’s Check

This type of check is issued with the bank’s funds. The customer must pay in cash or directly from their account, and the check is made payable to the recipient.

‍

Certified Check

This check is issued using the customer’s funds. The issuer must have a bank account so that the bank can verify the availability of funds. The recipient may cash the check directly at a bank branch.

‍

Money Order

Another way to send money without a bank account is by using a money order, which is a type of prepaid payment order. To do so, you will need to:

1. Go to a post office or authorized retailer, such as USPS or Walmart, to purchase a money order.

2. Write the beneficiary’s name in the “pay to the order of” section.

3. Write your name in the “purchaser” section.

4. Sign in the space designated for the purchaser, generally on the front of the document.

5. Keep the receipt with the serial number.

6. Pay the amount to be sent plus applicable service fee.

7. Send the money order via regular or certified mail.

8. Write the recipient’s address in the center of the envelope and the sender’s address in the upper left corner.

9. Purchase a postage stamp at the post office and attach it to the envelope.

10. Drop off the envelope at the post office.

‍

The recipient may cash the money order at an authorized branch upon presenting valid personal identification.

The downside of this alternative is that it takes longer to arrive, as it relies on a traditional mailing method.

Sending Money With Prepaid Load

There are other options available to send money without a bank account, such as prepaid cards and mobile applications.

Reloadable Prepaid Cards

Reloadable prepaid cards function similarly to debit cards, with the main difference being that they are not linked to a bank account. They also allow you to pay for services and make online purchases.

To send money using a prepaid card, you only need to:

‍

1. Identify an international money transfer service that supports prepaid cards, such as Western Union or MoneyGram.

2. Select your preferred provider and choose the prepaid card option on their website.

3. Enter the recipient’s information, making sure it is compatible with the selected platform.

4. Confirm the transfer and pay the amount plus the applicable service fee.

‍

Done! The recipient will receive the money on the prepaid card as if it were a bank transfer.

Mobile Wallets/Applications

Lastly, you may opt for mobile wallets or applications that offer money transfer capabilities. Some examples include Cash App, Venmo, and Remitly, which provide access to an mobile app you can use to send and receive money.

These applications do not require a bank account and are user-friendly. Some also offer physical cards that function similarly to debit cards.

7 Essential Tips for Sending Money Without a Bank Account

1. Verify the Identity and Information of the Recipient

Ensure that the recipient’s information, such as name, account number, or phone number, is entered correctly. Any discrepancies could prevent the recipient from collecting the funds.

2. Compare Fees and Exchange Rates

Each provider has its own rates depending on the receiving country, amount, and exchange rate. Remember, with Comun you do not pay excessive fees, and you ensure your family receives more for less.

3. Know the Sending Limits

Some platforms have sending limits that should be considered before selecting a service. For instance, Western Union has a daily limit of USD 7,499, while Cash App allows up to USD 7,500 per week for verified accounts.

4. Keep All Receipts and Reference Numbers

Even though these methods are secure, it is important to keep receipts and reference numbers in case a clarification or issue arises.

5. Use Reputable and Secure Services

It is essential to ensure that you use a trusted service. Check online reviews and verify that the provider has an official website and/or physical offices.

6. Be Cautious of Scams

Unfortunately, scams are common around financial services. No legitimate institution will request passwords or verification data. Always access official websites. If in doubt, visit an authorized branch.

7. Consider Delivery Time

Most options allow you to complete transfers in minutes, but some may take several days. Consider this before choosing your preferred service.

‍

Frequently Asked Questions

Is it safe to send money without a bank account?

‍

Absolutely. Comun is backed by leading financial institutions to protect your funds up to the applicable limits. Additionally, you can track your transfer directly through the Comun mobile app.

How much does it cost to send money without a bank account?

‍

Comun offers a transfer fee starting at USD 2.99, regardless of the amount you send up to the applicable limits. Your first transfer is commission-free!

How long does it take for the money to arrive?

‍

Cash is typically available within approximately 1 hour at the selected store or bank branch.

‍

What documents do I need to send/receive money without an account?

‍

You need the full name of your recipient, and they must present official identification.

‍

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

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

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

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

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

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

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

What Is Required to Make a Western Union Money Transfer?

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

Comparison Between Western Union and Comun

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

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

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

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

Sending Money Online with Western Union

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

Log in or register on their platform

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

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

Select destination country and amount

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

Choose payment method

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

Enter recipient information

Make sure to enter the recipient’s details correctly.

Confirm and obtain the tracking number (MTCN)

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

Sending Money to a Western Union Agency

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

Locate a nearby agency

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

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

Fill out the sending form

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

Submit payment and fees to the agent

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

Receive the tracking number (MTCN)

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

Advantages and Disadvantages of Using Western Union for Remittances

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

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

Advantages

Extensive global coverage and physical presence

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

Fast cash transfers

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

Brand recognition and established history

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

Disadvantages

High fees

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

Uncompetitive exchange rate

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

Sending limits

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

Lack of transparency in fee structure

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

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

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

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

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

Additionally, it offers:

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

Open your Comun account today.

Frequently Asked Questions

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

Can I send money to myself through Western Union?

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

Why can’t I send money through Western Union?

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

How much does Western Union charge to send money?

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

‍

Unmatched Ease of Opening an Account

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

Mobile Deposit Options

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

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

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

International Remittances

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

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

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

Advance Salary Access

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

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

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

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

Robust Security and Customer Support

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

Commitment to Zero Fees and Upward Mobility

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

Customized Features and Benefits

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

Conclusion

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

Foundational Moment: Did you know?

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

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

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

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

What Is a Check and What Is It Used For?

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

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

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

In general, a check contains the following information:

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

What Are the Different Types of Checks?

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

Personal Check

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

What Is a Personal Check Used For?

The most common uses for personal checks include:

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

Certified Check

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

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

Cashier’s Check

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

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

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

Money Order

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

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

It allows secure money transfers without requiring a bank account.

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

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

‍

1. Write the Date

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

2. Payee’s Name

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

3. Amount in Numbers

Write the numerical amount clearly.

4. Amount in Words

Write the amount in words, including cents.

5. Add a Memo

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

6. Sign the Check

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

7. Review the Information

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

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

How to Correctly Write Numbers in Words on a Check

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

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

‍

Cash Checks and Manage Your Money Easily with Comun

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

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

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

Why Choose Comun?

• Open your account with an official ID from your country

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

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

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

Frequently Asked Questions

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

What if I Make a Mistake Filling Out a Check?

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

How Do I Void a Check?

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

What Information Appears on the Back of a Check?

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

‍

Nowadays, sending and receiving money through applications is essential to daily life, whether to receive a fixed salary, pay for services, or send money to friends and family.

Discover the best apps to send money quickly, securely, and affordably, both within and outside the United States.

Below you will find an overview of various money transfer apps, their features, and benefits, so you can choose the one that best fits your lifestyle.

There are several apps available for sending money within the United States and internationally. Before choosing one, it is important to understand their advantages and disadvantages.

Comparison of the Best Money Transfer Apps**

**Please check each provider for their most up to date information.

As you can see, there are a wide variety of apps for sending money free or with affordable fees. Below, we provide detailed explanations of their features.

3 Best Apps for Sending Money in the United States

If you are looking for apps to send money within the United States, we present three options with various benefits for all types of users.

Venmo

This is a payment transfer app that operates within the United States. In addition to facilitating transactions between relatives, friends, and businesses, it functions as a kind of social network, where users can share and comment on their payments to connect and build community.

Operational Features and Functions of Venmo

Payment methods: Users can link a bank account to make payments using a debit or credit card.

Transfer speed: ACH transfers take approximately one day, though they may take longer in some cases.

Transfer limit: Up to $60,000 per week for verified users.

Additional services: Functions as a social payment network. Allows online and in-store purchases.

Advantages of Venmo

• Intuitive and easy-to-use interface
• Instant transfers between Venmo accounts
• Ability to transfer money to other bank accounts

Disadvantages of Venmo

• Security risks
• Not suitable for international transfers
• Lack of privacy, meaning your transactions and comments can be seen by others if you don't adjust your preferences.

Zelle

Zelle is a service that allows money transfers between bank accounts compatible with the Zelle network. It is directly integrated into most bank apps and websites, requiring only the recipient’s email or phone number to send money.

Operational Features and Functions of Zelle

• Payment methods: Operates through banks that offer the Zelle service.
• Transfer speed: Immediate.
• Transfer limit: Varies by bank, approximately $500 per day.
  
• Additional services: Integrated into most U.S. banks for easy account-to-account transfers.

Advantages of Zelle

• Fast and free service
• No need for recipient’s bank details
• No limits on receiving money

Disadvantages of Zelle

• No standalone app
• Not supported by all banks
• Only works within the United States

Cash App

Cash App is an application for sending, receiving, and saving money. It's also easy to shop online and make payments between friends.

Operational Features and Functions of Cash App

• Payment methods: Cash Card debit card.
• Transfer speed: Standard transfers take up to three days, or immediate transfers with fees.
• Transfer limit: Up to $7,500 per week for verified users.
• Additional services: Access to Cash Card, a free debit card linked to your app balance.

‍

Advantages of Cash App

• Security measures to protect user data
• Available debit card
• Ability to send and receive money via Cashtag, QR code, email, or phone number

‍

Disadvantages of Cash App

• Not compatible with international transfers
• Fees for credit card usage
  

4 Best Apps for Sending Money Internationally

The services mentioned above are suitable for domestic transfers within the United States. If you intend to send money internationally, consider the following alternatives.

Comun

Comun is a digital platform that allows users to send and receive money between accounts. It is an excellent option for our community, offering services available in Spanish and enabling both domestic transactions and international remittances. It also features competitive pricing for users seeking accessible solutions.

Operational Features and Functions of Comun

• Payment methods: Comun account and direct deposits.
• Transfer speed: within minutes (less than 30 minutes).
• International transfer limits*: Comun uses cumulative limits:
  
  • 1 day: $2,999
  • 7 days: $4,999
  • 14 days: $7,999
  • 30 days: $9,999
  • 60 days: $11,999
  • 90 days: $19,999

• Amounts sent are aggregated within each time window. For example, if you send $2,999 today, you may only send an additional $2,000 in the next six days until you reach the $4,999 limit for seven days.

• Additional services: Ability to open an account with the official ID from your country.

Advantages of Comun

• Enables money transfers without complications
• Maximizes every dollar so your loved ones receive more
• Allows account opening with the official ID from your country

Disadvantages of Comun

• The recipient must have a Comun account for domestic transfers, but only needs name, phone number, and date of birth to receive money.
  

MoneyGram

MoneyGram is a platform that enables international money transfers via website, mobile app, or physical retail locations.

Operational Features and Functions of MoneyGram

• Payment methods: Cash, card, bank account, and online banking.
• Transfer speed: Up to one day.
• Transfer limit: Up to $10,000 online.
• Additional services: Bill payments and other international services.

Advantages of MoneyGram

• Global coverage
• Available at numerous retail locations

Disadvantages of MoneyGram

• Unfavorable exchange rates for the user
• High transaction fees

Western Union

Western Union is a global money transfer network operating in over 200 countries. It offers various receipt methods, including bank deposit, cash pickup, and digital wallets.

Operational Features and Functions of Western Union

• Payment methods: Cash, card, bank account, and online banking.
• Transfer speed: Minutes to several days, depending on the delivery method.
• Transfer limit: Up to $5,000 online.
• Additional services: Broad global presence.

Advantages of Western Union

• Presence in over 200 countries
• Cash pickup option
  

Disadvantages of Western Union

• High transfer fees
• Unfavorable exchange rates

Remitly

Remitly is an international money transfer service operating in more than 170 countries.

Operational Features and Functions of Remitly

• Payment methods: Bank account, debit card, and credit card.
• Transfer speed: Express transfer is immediate; Economy transfer can take up to 5 days.
• Transfer limit: Depends on verification level. For example, a new user has a $3,000 monthly limit for transfers to Mexico.
• Additional services: Home delivery option.

Advantages of Remitly

• Multiple delivery methods available
• Affordable fees

Disadvantages of Remitly

• Higher fees for express transfers
• Limited availability in certain regions

In summary, Comun offers a simple and accessible solution for transferring money from the United States to other Latin American countries—directly, quickly, and securely. It allows users to deposit funds onto a debit card, facilitating immediate access and improving daily life for thousands of migrants.

‍

3 Apps for Sending Money App-to-App

Lastly, we present alternatives for making international transfers between users of the same application, such as:

Wise

Wise is a financial technology company offering low-cost international transfers at real exchange rates.

Operational Features and Functions of Wise

• Payment methods: Bank account.
• Transfer speed: Instant.
• Transfer limit: Up to $5,000 per month.
• Additional services: Multi-currency account.

Advantages of Wise

• Affordable transfer fees
• Competitive exchange rate

Disadvantages of Wise

• Some countries may have restrictions
• Some transfers may incur additional charges

Revolut

Revolut is a fintech that allows you to send, receive, and make international money transfers.

Operational Features and Functions of Revolut

• Payment methods: Revolut account and prepaid debit card.
• Transfer speed: Instant between Revolut users; up to several business days for external accounts.
• Transfer limit: No fixed limits.
• Additional services: Automatic savings and financial analytics.

Advantages of Revolut

• Competitive pricing
• Fast transfers
  

Disadvantages of Revolut

• Features vary by country
• No physical branches

PayPal

PayPal is an online payment platform that allows users to send and receive money from many countries.

Operational Features and Functions of PayPal

• Payment methods: Account balance, debit and credit card.
• Transfer speed: Generally immediate.
• Transfer limit: Up to $10,000 per transfer.
• Additional services: Link multiple payment methods and receive payments from other users.

Advantages of PayPal

• High security standards to protect financial information
• Broad global presence and acceptance

Disadvantages of PayPal

• High transaction fees
• Unfavorable exchange rates

‍

Take Control of Your Transfers with Comun

There are many reliable and accessible apps and services for making transfers within the United States and to international destinations. It is essential to analyze and compare the features of each one according to your priorities and needs.

Comun is a financial service designed to meet everyday needs in the United States, with an app and platform available in Spanish, making account opening fast and easy. It also simplifies remittance transfers to Latin America so your family receives more money with less hassle with competitive fees. Without a doubt, it ranks among the most trusted apps for making your life easier in the United States.

‍