Living in the United States

Websites for finding jobs in the USA: 2026 guide for immigrant workers

Discover the 10 best websites for finding jobs in the U.S. in 2026. Compare platforms by profile, available languages, and job type.

8 min read

13 Nov 2025

Websites for finding jobs in the USA (2026 guide for immigrant workers)

An essential guide for finding a job in the USA. The search for a job in a new country can be a challenge, many processes may feel new or unfamiliar. However, in 2026 there are plenty of online resources to help with the process, one of the most commonly used resources is online job platforms. For many Spanish-speaking employment seekers in the USA whether recently arrived or supporting a family, there are employment opportunities available, the key is to know where to find them.

To help with the search, we have created a guide designed as a practical, curated overview of the most relevant websites for finding jobs in the United States. We hope to provide useful context on which platform works best depending on your situation.

The 10 best websites for finding jobs in the USA

1. Indeed

A practical starting point

Among all job platforms in the United States, Indeed continues to be the most widely used, especially for people looking for entry level or widely available opportunities. Its main advantage is volume. It gathers thousands of listings across industries from restaurants, warehouses, cleaning services, retail, to customer service. The platform allows users to apply for many positions directly through the app or website.

However, this same ease of use means competition is high. Users of the platform have reported that, for better chances of success, it is important to apply early and consistently.

Available in Spanish?

Indeed is fully available in Spanish, it is one of the most complete Spanish experiences among all websites for finding jobs in the USA.

2. LinkedIn

For professional and office roles

LinkedIn is more about building a professional presence. Therefore it is very important to have a well structured profile with recommendations and references to all previous experiences to attract potential opportunities.

This platform is commonly used for roles in administration, marketing, finance, and technology. The platform is generally more focused on professional and corporate roles than hourly positions. It is also important to consider that finding a job through it tends to take some time.

Available in Spanish?

LinkedIn is partially available in Spanish. It allows you to change the interface to Spanish, including menus and profile sections. However, most job postings in the USA and recruiter interactions are still primarily in English.

3. Glassdoor

For researching companies

Glassdoor is not just a job board; it is a decision-making tool. While it does include job listings, its real value lies in the information it provides about companies. Users can see salary ranges, employee reviews, and even details about the interview process.

For someone unfamiliar with the U.S. labor market, this can be helpful when evaluating workplace conditions and company culture and help identify companies with better working conditions. Many job seekers use Glassdoor alongside other job search websites in English and Spanish to confirm whether a job is worth pursuing before applying.

Available in Spanish?

Glassdoor is partially available in Spanish. It offers some Spanish interface options and content, but the experience is mixed. The reviews and salary data are often in English, depending on the company. It is still useful, but not fully localized.

4. ZipRecruiter

Faster matching with less effort

ZipRecruiter focuses on simplifying the job search by using technology to match candidates with relevant opportunities. Instead of spending hours browsing, users receive recommendations based on their profile, and in some cases, some employers may contact candidates directly.

This approach is particularly helpful for candidates with some work experience who want to save time and avoid repetitive applications. It reflects how job platforms in the United States are evolving toward more automated and personalized systems.

Available in Spanish?

ZipRecruiter is mostly in English. It is primarily an English-language platform.

5. SimplyHired

Useful for understanding salaries

SimplyHired plays a valuable supporting role. It aggregates listings from multiple sources and provides salary estimates that help job seekers understand what a position typically pays.

For newcomers trying to navigate where to find work in the USA, this information is especially useful. It helps with comparing offers and may help job seekers better understand local ranges.

Available in Spanish?

SimplyHired is partially available in Spanish. It has some Spanish interface support and localized search options. However, like other platforms, many listings remain in English.

6. USAJobs

The official path to government work

USAJobs is the official federal employment portal. It offers access to government positions, which are known for stability, structured hiring processes, and strong benefits.

However, it is important to be realistic about accessibility. Most roles require legal residency or U.S. citizenship, which may limit eligibility for some applicants.

Available in Spanish?

USAJobs offers limited Spanish support. It is mainly in English, as it is the official government portal.

7. FlexJobs

A path to find remote work

As remote work continues to grow, FlexJobs has become one of the most reliable platforms in this space. Unlike larger job boards, it focuses on curated listings, which may help reduce exposure to fraudulent or low-quality listings.

This makes it particularly useful for people looking for flexibility, whether they are freelancers, parents, or simply prefer not to work in a traditional office setting. In the context of websites for finding jobs in the USA, it stands out for prioritizing quality over quantity.

Available in Spanish?

FlexJobs operates almost entirely in English.

8. Upwork

A practical option for remote income

Upwork allows users to work as independent contractors, offering services in areas such as writing, programming, design, and digital marketing. It has become one of the most relevant platforms for remote work, especially as companies increasingly hire global talent.

While it requires time to build a profile and reputation, some users use it to generate freelance or supplemental income and open doors to long-term clients. It is particularly useful for people with digital skills who are looking for flexibility.

Available in Spanish?

Upwork offers a Spanish interface, which makes it more accessible than many remote platforms. However, most clients post jobs in English.

9. Fiverr

For turning skills into income

Fiverr offers a slightly different model from Upwork. Instead of applying to jobs, users create service listings and set their own prices, allowing clients to find them directly.

It is commonly used for creative work and as a source of side income, but it can also grow into a full-time opportunity. Within the broader landscape of job search websites in English and Spanish, Fiverr stands out for its flexibility and accessibility.

Available in Spanish?

Fiverr also supports Spanish in its interface. Since you create your own service listings, you can write them in Spanish, English, or both, which gives you flexibility depending on your target clients.

10. The Muse

A more curated, culture-focused option

The Muse is smaller than other platforms but offers a more curated experience. It focuses on companies that prioritize workplace culture and transparency, giving candidates a clearer idea of what to expect.

This makes it particularly appealing for younger professionals or those looking for a better long-term fit rather than just immediate employment. While it may not be the first stop for most job seekers, it can be a valuable complement to larger platforms.

Available in Spanish?

The Muse is primarily an English-language platform with no full Spanish interface.

Choosing the right platform for your situation

These platforms are useful within their unique context, the key to making the most out of them is understanding what they offer and how they fit in your situation. Someone looking for quick, entry-level work will likely benefit most from Indeed, while a candidate pursuing a long-term professional career should prioritize LinkedIn. Those interested in flexibility or remote income may find better results through FlexJobs, Upwork, or Fiverr, while individuals seeking long-term stability may consider USAJobs if they meet the requirements.

In practice, the most effective strategy is not to rely on a single platform. Combining two or three of these tools creates a more balanced approach and may improve job search efficiency.

How to apply without an SSN or with an ITIN

When exploring websites for finding jobs in the USA, one practical question often comes up early in the process: what happens if you don't yet have a Social Security Number (SSN)? In most formal employment situations, an SSN is required because employers use it for payroll and tax reporting. However, during the application stage, many platforms still allow you to apply without entering one.

If you already have legal work authorization but are waiting for your SSN, you can:

Typically move forward in the hiring process, if the employer allows, and provide the number later
In some cases, employers may accept an Individual Taxpayer Identification Number (ITIN) for tax purposes (although it does not replace work authorization)

The key distinction is that an ITIN allows you to comply with tax obligations, but it does not grant permission to work.

Requirements can vary depending on the employer and the type of role, therefore it is important to confirm what documentation will be needed once you move forward in the hiring process.

Tips for preparing your application

Using the right job platforms in the United States is the first part of the process. How you present yourself still plays a major role in whether you get a response.

A strong resume should be clear, concise, and tailored to the type of job you are applying for
In the U.S., resumes are typically one page and focus on skills and results rather than long descriptions
Adjusting your resume to include keywords from the job description may help resumes align with automated application systems used by some employers

When it comes to interviews, preparation is just as important:

Employers often expect candidates to explain their experience clearly and give examples of past work
If you are not fluent in English, practicing common questions in advance can help you feel more confident

Applying regularly, following up when appropriate, and staying organized throughout the process may help improve consistency throughout the job search.

After you get the job: getting paid

Once you are successful and you find work in the United States, it is important to know how and where you are getting paid. Most employers rely on direct deposits, which requires access to a U.S. bank account. For many immigrants, this can be a challenge. Some financial institutions and fintech platforms offer products designed for individuals who may have limited access to traditional banking services. From traditional banks to digital platforms it's important to learn about their requirements and their offers. For example, with Común you can open a debit account using a passport or more than 100 valid Latin American IDs and Común's app is available in Spanish.

Frequently Asked Questions

Do I need a work permit to work in the United States?

Yes. To work legally in the U.S., you must have valid work authorization. This typically comes in the form of a work permit (Employment Authorization Document, or EAD) or a visa that allows employment.

What types of work permits are available for immigrants?

There are several common pathways depending on your situation. Temporary work visas like the H-2A (agricultural work) and H-2B (seasonal non-agricultural work) are frequently used. Professional visas such as the H-1B apply to specialized roles, while other options like TPS (Temporary Protected Status) or asylum-based work permits may apply depending on your country of origin and circumstances.

Each option has specific requirements, so it is important to verify eligibility with the official authorities.

Can I work in the United States if I don't speak English?

Yes, it is possible. Many jobs, especially in construction, cleaning, manufacturing, agriculture, and restaurants do not require advanced English. In cities with large Latino populations, it is common to find Spanish-speaking work environments.

However, improving your English can significantly expand your opportunities and increase your earning potential over time.

What are employment agencies?

Employment agencies, also known as staffing agencies, act as intermediaries between companies and job seekers. They help match candidates with available positions, often for temporary, seasonal, or entry-level roles.

For many newly arrived immigrants, these agencies may help some job seekers connect with available opportunities, especially if someone does not yet have a strong professional network in the United States.

Final thoughts

The key to navigating the U.S. job market in 2026 is not just knowing the websites for finding jobs in the USA, but understanding how to use them strategically. Each platform serves a different purpose, and choosing the right one may help better organize search and identify opportunities aligned with goals and experience. We wish you the best of luck in your job seeking process!

‍

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

Get started with
‍‍Común today

Get paid by anyone

Más en nuestro blog:

Ver todos

No items found.

Ver todos

Más en nuestro blog:

Ver todos

Financial Education

How to Create a Strict Household Budget

8 min de lectura

Creating a strict household budget starts with tracking all income and fixed expenses, then setting limits on variable spending. An account with no monthly fee or minimum balance, like Común's, makes it easier to track your money without losing part of your budget to fees.

Why Are Family Budgets Essential?

‍
Creating a strict household budget is essential for achieving financial stability and discipline. A well-planned family budget helps families manage their income, control their spending, and save for future goals. This article provides a comprehensive guide to setting up a rigorous budget, ensuring that every dollar is accounted for and used effectively.

Introduction: The Importance of a Strict Household Budget

In today’s fast-paced world, managing household finances can be challenging. Creating a budget is a fundamental step in managing personal finances. With the rising cost of living and various financial obligations, it is easy to lose control of spending. A strict household budget is crucial for maintaining financial discipline, reducing debt, and reaching long-term financial goals. By creating and sticking to a detailed budget, families can ensure that their financial resources are used wisely, leading to greater financial security and peace of mind.

Assessing Your Current Financial Situation

The first step in creating a strict household budget is to assess your current financial situation. This involves taking a detailed look at your income, expenses, debts, and savings. Calculating your net income is crucial for effective financial planning, as it represents your salary after tax and benefit deductions. Start by listing all sources of income, including salaries, bonuses, freelance work, and any other income sources. Next, categorize and list all expenses, including fixed expenses such as housing, utilities, and insurance, as well as variable expenses such as groceries, transportation, healthcare, entertainment, and miscellaneous costs.

It is important to be thorough and honest during this assessment. To begin, try tracking your spending for a month and identify patterns or areas where you may be overspending. This big-picture view will serve as the foundation for your budget, helping you identify where adjustments are needed to align your spending with your financial goals. Use tools like Google Sheets or a budgeting app to make this process easier and more organized.

Setting Clear Financial Goals, Including an Emergency Fund

Once you have a clear understanding of your financial situation, the next step is to set clear financial goals. These goals will improve your budgeting decisions and serve as a guide to keep you motivated. Financial goals can be short-term, such as saving for a vacation or paying off a credit card, or long-term, such as buying a home, funding your children’s education, or saving for retirement. A well-structured budget not only covers necessary expenses, but also allocates funds to build savings and discretionary spending, highlighting the role of savings in achieving financial stability.

When setting your financial goals, make sure they are SMART goals. SMART stands for specific, measurable, achievable, relevant, and time-bound. So instead of setting a general goal like “save money,” give yourself a clear objective such as “save $5,000 for an emergency fund in 9 months.” Setting SMART goals provides clarity and direction, making it easier to stay focused and committed to your budget. In addition, incorporating retirement accounts as part of your financial strategy is crucial for long-term financial security.

Creating Your Budget Plan

With your financial assessment and goals in place, it is time to create your budget plan. Start by prioritizing your spending, focusing on essentials like housing, utilities, food, transportation, and healthcare. Allocate a portion of your income to cover these essential costs first. Then, list your monthly expenses, categorizing them into fixed and variable types. Tracking household expenses is crucial; consider using online banking tools and personal finance apps to manage and categorize these expenses efficiently. Allocate funds for savings and debt repayment, ensuring that you are working toward your financial goals.

Consider using guidelines such as the 50-30-20 rule, where 50% of your income may go to needs, 30% to discretionary spending, and 20% to savings or even debt payments. Adjust these percentages based on your financial situation and specific goals. Use budgeting tools or apps to help you track your income and expenses, ensuring that you stay within your budget limits. Review and adjust your budget regularly as needed to accommodate changes in income or expenses. Before the start of each month, prepare a new budget to account for seasonal variations and upcoming specific expenses.

Implementing and Sticking to Your Budget

Creating a budget is just the beginning; the real challenge lies in sticking to it. To successfully implement your budget, develop habits that promote financial discipline. Start by automating your savings and bill payments. This ensures that you meet your financial obligations and savings goals without the temptation to spend the money elsewhere.

Understanding your net pay is crucial for effective financial planning. Track your expenses regularly to make sure you are sticking to your budget, especially when it comes to variable expenses. Use budgeting apps or spreadsheets to monitor your spending and make adjustments as needed. Avoid impulse purchases by making a shopping list and sticking to it. In addition, set aside a budget for unexpected expenses to ensure long-term financial stability. Look for ways to reduce expenses, such as cooking at home instead of eating out, canceling unused subscriptions, and looking for discounts when shopping.

Communicate openly with your family about your budget and financial goals. Encourage everyone to take part in the budgeting process and make it a team effort. Having a collective commitment to financial discipline will make it easier to stay on track and achieve your goals.

Here are five popular apps for tracking expenses and budgets:

Mint: Mint is a budgeting app that allows users to track expenses, create budgets, and set financial goals. It categorizes transactions and provides insight into spending patterns. Using personal finance apps like Mint can efficiently track household expenses.
YNAB (You Need A Budget): YNAB helps users create detailed budgets based on their income and expenses. It emphasizes giving every dollar a job and helps users plan for future expenses, encouraging proactive financial management.
Personal Capital: Personal Capital is a wealth management tool that tracks expenses, budgets, and investments. It provides a comprehensive view of your financial health and offers tools for retirement planning.
PocketGuard: PocketGuard improves your budgeting by showing how much discretionary income you have after accounting for bills, goals, and necessities. It categorizes expenses to help users identify areas where they can save money.
Goodbudget: Goodbudget is a digital envelope budgeting app that allows users to divide their funds into different categories or "envelopes." This system helps users monitor their spending and ensure they stick to their budget limits for each category.

How Común Can Help With Budget Tracking

Comun offers several features that can complement these budgeting apps and improve your overall financial management:

Instant notifications: Comun provides instant notifications for all transactions, helping users stay aware of their spending in real time.
Detailed transaction history: Users can easily access their transaction history, making it easier to categorize expenses and monitor spending patterns.
Expense categorization: The Comun app automatically categorizes expenses, which can be synced with budgeting apps like Mint for a complete view of your financial activity.
Savings goals: Comun allows users to set and track savings goals, helping you stay motivated and on track to meet your financial objectives.
Customer support: Comun offers top-tier customer service available 7 days a week by chat, email, or phone, providing users with support for any financial questions or issues.

By using Comun alongside these budgeting apps, users can achieve better financial discipline and stay on top of their budgeting and spending goals.

Conclusion: Achieving Financial Discipline and Security

Creating and maintaining a strict household budget takes effort and commitment, but the rewards are worth it. Saving money for various purposes, such as emergencies, major purchases, or enjoyable experiences, is crucial for financial stability. By assessing your financial situation, setting clear goals, creating a detailed budget plan, and sticking to it, you can achieve financial discipline and security. Understanding net income, including deductions such as health insurance from gross pay, is essential for creating an effective budget. A well-managed budget helps you control spending, reduce debt, and save for future goals, ultimately leading to a more secure and prosperous financial future for your family. Embrace the process, stay committed, and watch your financial health improve as you work toward your dreams.

By following these steps and maintaining financial discipline, you can take control of your household finances, reduce financial stress, and build a strong foundation for a secure future. A strict budget is not just about restricting spending; it is about making informed decisions that align with your financial goals and values. With dedication and perseverance, you can achieve financial stability and enjoy the peace of mind that comes with knowing your finances are under control.

Quick List: Measuring Your Budget Success

Assess your financial situation:
- List all sources of income
- Categorize and list all expenses
- Track spending for a month
Set clear financial goals:
- Define specific, measurable, achievable, relevant, and time-bound (SMART) goals
- Prioritize short-term and long-term goals
Create your budget plan:
- Prioritize essential expenses (housing, utilities, food, transportation, healthcare)
- Allocate funds for savings and debt repayment
- Use the 50/30/20 rule as a guide
- Use budgeting tools or apps
Implement and stick to your budget:
- Automate savings and bill payments
- Track expenses regularly
- Avoid impulse purchases
- Cut unnecessary expenses
- Communicate openly with your family about the budget
Review and adjust regularly:
- Monitor income and expenses
- Make necessary adjustments to the budget
- Stay committed to your financial goals

By following this checklist, you can manage your budgeting efforts efficiently and get closer to achieving your financial goals.

‍

How do I start creating a budget for my household?

Track all your income and fixed expenses (rent, utilities, debt), then set realistic limits on variable spending (food, entertainment) based on what's left.

How do I keep bank fees from eating into my budget?

Choose an account with no monthly fee or minimum balance — every avoidable fee is money that stays in your budget instead of going to the bank.

What tools help maintain a strict budget?

Real-time activity notifications, reviewing your transactions often, and separating money by spending category are practices that make it easier to stay in control.

Frequently asked questions

Where do I start making a budget?

Track all your income and fixed expenses first, then set limits on variable spending with what's left.

What percentage of my income should I save?

It varies by situation; many people start with the 50/30/20 rule (needs/wants/savings) as a baseline.

How do I avoid overspending each month?

Review your activity often and use notifications to catch unnecessary spending early.

Do bank fees really affect my budget?

Yes — a $12-25 monthly fee plus occasional overdraft charges can add up to hundreds of dollars a year.

Does Común help me stick to a budget?

It doesn't charge a monthly fee or require a minimum balance, and real-time activity notifications help you track your spending.

Should I have a savings account separate from my checking account?

It can help separate money meant for savings from day-to-day spending money, reducing the temptation to use it.

International Money Transfers

How to send money to Mexico via WhatsApp? Común vs. WhatsApp Pay

8 min de lectura

How to send money to Mexico via WhatsApp? Común vs. WhatsApp Pay

WhatsApp does not currently offer a service to send money directly from the United States to Mexico.

WhatsApp is one of the most popular ways to stay in touch with family and friends across borders. While the app supports payments in certain countries, its payment features are not available for sending money from the United States to Mexico.

However, for people living in the United States who are looking into sending money to Mexico, there are many different options available. From traditional service providers such as Western Union and MoneyGram to apps with instant international transfers like Wise, Remitly and Común.

Can I send money to Mexico via WhatsApp from the United States?

At this time, WhatsApp does not offer an official service that allows people in the United States to send money directly to recipients in Mexico through WhatsApp Pay. WhatsApp's payment functionality is only available in Brazil and India.

This means that you can still use WhatsApp every day to communicate with family and friends in Mexico, but you cannot transfer money from a U.S. account to a recipient in Mexico using WhatsApp Pay.

Some money transfer companies offer WhatsApp-based experiences that help initiate transfers, but those services are different from WhatsApp Pay itself. The actual transfer is processed through the remittance provider rather than through WhatsApp's native payment system.

What is WhatsApp Pay and how does it work?

WhatsApp Pay is a payment feature integrated into WhatsApp that allows eligible users to send and receive money without leaving the app. The service operates through local payment networks and financial partners in supported countries.

As of 2026, WhatsApp Pay is available in India and Brazil. It is not broadly available as a payment method in the United States, and it is not available as a direct remittance solution for sending money from the United States to Mexico.

Why can't I use WhatsApp to send money to Mexico?

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

This limitation often creates confusion because WhatsApp is widely used on both sides of the border. Messaging a family member in Mexico through WhatsApp is easy, but sending money through WhatsApp Pay is a different service with separate availability requirements.

How much does WhatsApp Pay charge for sending money?

There is no standard fee for sending money from the United States to Mexico through WhatsApp Pay because that service is not currently available.

If you're in the United States and need to send money to Mexico, you will need a remittance service provider. To compare the costs related to sending money to Mexico, it can be important to review: transfer fees, exchange rates, delivery methods, transfer speed, and recipient requirements.

What's the best way to send money to Mexico if not via WhatsApp?

There is no single answer because different money transfer methods work better for different situations. Bank transfers can be a familiar option for people who already have a checking account. Traditional remittance providers such as MoneyGram and Western Union offer multiple delivery methods, including bank deposits, cash pickup locations, and mobile wallets in some markets.

Digital remittance platforms have become increasingly popular because they offer the possibility of sending money directly from a smartphone. These services typically display the exchange rate, fees, and delivery method before the transfer is completed.

One option is Común through its remittances services, which allows eligible customers to send money to Mexico and other countries in Latin America directly from the Común app. Transfers start at $2.99, and many transfers are delivered on the same day depending on the destination and delivery method.

How to send money to Mexico with Común? (step by step)

1. Open the Común app on your phone.

2. From the main page, select "Envía una Remesa".

Select the option on your app.

3. Choose your recipient or add a new one.

Provide the required details for the person receiving the transfer.

4. Enter the transfer amount.

Review the amount you want to send.

5. Review the transfer details.

Confirm the recipient information, delivery method, transfer amount, and estimated delivery timeframe.

6. Confirm the transfer.

Complete the transaction and wait for confirmation. Many transfers are delivered the same day, although delivery times may vary.

WhatsApp Pay vs. Común: a direct comparison

Feature	WhatsApp Pay	Común
Send money from the United States to Mexico	No	Yes
Cross-border remittances	No	Yes
Starting transfer cost	Not available for U.S.-Mexico transfers	Starting at $2.99
Delivery to recipients in Mexico	Not supported	Available
Transfer purpose	Domestic payments in supported countries	Money transfers to Mexico and Latin America

WhatsApp Pay was created for payments within certain supported markets. Común remittance services make it possible to send money from the United States to recipients in Mexico and other countries in Latin America directly from the Común app.

A Común account can be opened with a passport or more than 100 Latin American IDs with no minimums or monthly fees.

FAQ

Can I send money to Mexico using WhatsApp?

No. WhatsApp does not currently provide an official service that allows users in the United States to send money directly to recipients in Mexico through WhatsApp Pay.

How does WhatsApp Pay work?

WhatsApp Pay allows eligible users in supported countries to send and receive money through WhatsApp using local payment networks and financial partners.

How long does it take for the money to arrive if I send it with Común?

Many transfers sent through Común are delivered on the same day. Delivery times may vary depending on the destination, delivery method, and recipient institution.

What do I need to send money to Mexico with Común?

You generally need a Común account, the recipient's information, the transfer amount, and any additional details required for the selected delivery method.

How much does it cost to send money to Mexico with Común?

Común international transfers start at $2.99. The total cost may vary depending on the transfer amount, destination, and exchange rate.

Is it safe to send money through apps from the United States?

Using a regulated money transfer provider can help protect your transaction through identity verification, encryption, fraud monitoring, and transaction tracking features.

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

‍

Checking account

What to Do if Your Alza Account Was Closed

8 min de lectura

If your Alza account was closed, you can open an account with Común using your passport, consular ID, or another Latin American ID — no Social Security Number required. The process takes about 3 minutes.

Similarities Between Alza and Común

Sending money to Latin America: Both Alza and Común offer remittance services, letting users send money to friends and family in Latin America quickly and efficiently.

Debit card and checking account: Users on both platforms get a debit card linked to a checking account; Común offers a Visa card, allowing worldwide transactions and access to funds.

Virtual Visa debit card: Común provides a checking account connected to a physical and virtual Visa debit card, emphasizing the importance of this offering for the financial stability and inclusion of Latino families.

Flexible application process: Both platforms let users apply for an account using various forms of ID, like an international passport, consular card, SSN, or ITIN.

ATM fee reimbursement: Alza users could withdraw cash from any ATM worldwide with full fee reimbursement. Común also supports ATM withdrawals, ensuring convenient access to cash.

Advantages of Switching to Común: Modern Banking Solutions

One of Común's standout features is its commitment to transparency and cost-effectiveness. Unlike traditional banks and even Alza, Común doesn't charge opening fees, monthly maintenance fees, and has no minimum balance requirements. This makes it an ideal option for those looking to avoid unnecessary banking fees and keep more of their hard-earned money. Here are a few more standout features of a Común account:

Financial inclusion: Común is dedicated to promoting financial inclusion by providing modern banking solutions tailored to the unique needs of Latino families. They address the challenges Latinos face in accessing traditional financial services and emphasize the importance of financial education. This commitment ensures the Latino community has access to an inclusive, supportive banking experience.

Broader ID acceptance:

Común: Accepts any official government-issued ID, not just passports or consular cards. This makes it easier for a wider range of people to open an account.
Alza: Limited to specific forms of ID, which could be restrictive for some users.

Simplified address verification:

Común: Applicants can verify their home address using their phone's geolocation. This feature is particularly beneficial for immigrants who may not have traditional proof-of-address documents.
Alza: Required physical proof of address, which could be a challenge for those in non-permanent housing or living with relatives.

Extensive cash deposit network:

Común: Offers access to the largest cash deposit network in the U.S., with more than 90,000 locations, including popular retailers like Walgreens, Walmart, and Dollar General.
Alza: Didn't specify as extensive a cash deposit network, limiting convenience for cash deposits.

24/7 customer service:

Común: Provides customer service around the clock, ensuring help is available anytime, any day of the week.
Alza: Customer service availability wasn't highlighted as a 24/7 feature.

With Común, you'll never feel alone managing your finances. They offer top-tier customer service available seven days a week via chat, email, or phone. That means you can get help whenever you need it, making your banking experience smooth and worry-free.

Open your bank account¹ in 3 minutes with your country's ID²

No minimum balance fees
Send money to your home country safely
Get paid up to 2 days early³
Send money to your home country safely
And much more!

Open your account!

Making the Switch to Común: Financial Inclusion

Switching from Alza to Común is simple and hassle-free. As a trusted financial partner, Común understands Latino families' unique needs. You can apply for a Común account online in minutes using a variety of ID documents like a passport, consular card, or ITIN. Once your account is set up, you can easily transfer your funds to Común. The fastest way would be to withdraw cash from your Alza account and then deposit it at any cash deposit location Común offers using the barcode option in Común's cash deposit feature.

The transition from Alza to Común is designed to be smooth and straightforward, helping you achieve financial freedom. Here's how you can make the switch:

Open a Común account: Visit the Común website or download the Común app to start your application. Use any government-issued ID and your phone's geolocation to verify your address.

Transfer your funds: To transfer your funds to your Común account, we recommend first withdrawing cash from your Alza account. Then, you can go to any cash deposit location Común offers and deposit your cash using the barcode option. This option doesn't require your physical card, so you can deposit cash from your Alza account immediately after being approved for a Común account.

Another quick option that doesn't require your Común card is transferring your Alza funds directly from your Alza account to your Común account using your account number and routing number. You can find this information under Account Information in Settings.

Set up direct deposits: Update your direct deposit information with your employer or any other income source to ensure uninterrupted access to your funds.

Current Común Offerings

One of Común's founding principles is inclusivity. As a customer-focused digital bank, Común doesn't require a Social Security Number (SSN) to open an account. Unlike many traditional banks, this feature is particularly beneficial for immigrants and people who may not have access to traditional forms of ID. Común focuses on providing secure banking solutions for everyone, regardless of immigration status. Común also aims to be a financial hub for Latino immigrants, offering a comprehensive banking solution with expanded resources tailored to their needs. To welcome former Alza customers, Común has several incentives:

Hassle-free application: Apply using any government-issued ID and easily verify your address through your smartphone.
Enhanced customer support: Benefit from 24/7 customer service to assist with any questions or issues during your transition.
Extensive cash deposit options: Enjoy the convenience of depositing cash at more than 90,000 locations nationwide.

Conclusion: Secure Your Financial Future With Común for Financial Stability

As Alza prepares to close its doors, Común offers a robust, user-friendly alternative that not only matches but goes beyond the services Alza provided. With no fees, an extensive cash deposit network, and unmatched customer support, Común is the ideal banking solution for former Alza customers. Make the switch today and experience the superior banking experience Común has to offer.

Make the switch today and experience the benefits of a banking platform that truly puts you first. Visit the Común website to learn more and start your new banking journey.

For more information and to start your application, visit Común's official website here: https://www.comun.app

‍

Why do digital bank accounts like Alza get closed?

Reasons vary by institution — they can include inactivity, identity verification issues, or changes in the provider's policies. Check directly with Alza for your specific case.

What do I do if my account was closed and I need an alternative?

You can open an account with Común using a valid government-issued ID — passport, consular ID, or one of over 100 accepted Latin American IDs.

What do I need to open my new account with Común?

Just your valid government-issued ID. No Social Security Number or ITIN required, and the process is 100% online.

Frequently asked questions

Can I open a Común account if my previous account was closed by another provider?

Yes, as long as you have a valid government-issued ID, you can open your Común account without issue.

Do I need a Social Security Number to open my Común account?

No, we accept a passport, consular ID, or other Latin American IDs.

How long does it take to open my new account?

About 3 minutes, with instant approval in most cases.

Will I lose my financial history if I switch providers?

History within another platform doesn't transfer automatically; your new Común account starts fresh.

Does Común charge a fee to open the account?

No, there's no opening fee, monthly fee, or minimum balance required.

What should I do with the money in my old account?

Contact your previous provider directly to learn the process for withdrawing your funds before the account closes completely.

Community

What You Need to Open an Account at Comun¹ 4

8 min de lectura

Unmatched Ease of Opening an Account

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

Mobile Deposit Options

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

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

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

International Remittances

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

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

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

Advance Salary Access

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

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

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

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

Robust Security and Customer Support

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

Commitment to Zero Fees and Upward Mobility

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

Customized Features and Benefits

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

Conclusion

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

Foundational Moment: Did you know?

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

Checking account

Transaction Limits and Declined Transactions: Understanding Why Your Transactions May Be Declined

8 min de lectura

Declined: Why?

Picture this: you're in the checkout line, ready to pay for your purchases. You've carefully budgeted for the week, and now it's time to swipe your card. But instead of the usual approval sound, you hear something different, and the cashier tells you your transaction has been declined. Embarrassed and confused, you reach for another card or cash, wondering what went wrong.

Transaction Limits

Every bank and financial institution imposes certain transaction limits to ensure security and manage risk. These limits can vary depending on the type of transaction:

Daily Withdrawal Limits: There may be a limit on how much cash you can withdraw from an ATM in a single day.
Purchase Limits: Transactions made with your debit or credit card may have a maximum limit per transaction or per day.
Transfer Limits: Transfers between accounts, especially international ones, often have set limits to prevent fraud.

If your transaction exceeds these predefined limits, it will be declined. Always check your bank's policy on transaction limits and plan your transactions accordingly.

Incorrect PIN Entry and Fraud Protection Rules

Your Personal Identification Number (PIN) is crucial for authorizing transactions. However, if the PIN is entered incorrectly more than four times, the transaction will be automatically declined. This is a security measure to prevent unauthorized access to your account.

If you forget your PIN, you can easily retrieve it through your banking app in the cards section. Be sure to memorize it or store it securely to avoid repeated declines.

To protect customers against fraud, banks have rules to block transactions that appear suspicious. These can include:

Unusual Spending Patterns: Large or out-of-the-ordinary transactions can trigger a block.
Geographic Restrictions: Transactions from locations far from your usual activity may be flagged.
Repeated Declines: Multiple declines or failed attempts can lead to a temporary block.

If you're planning a large purchase or traveling internationally, notify your bank in advance to avoid unnecessary declines.

Cash Deposits and Insufficient Balance

When depositing cash at an ATM, it's important to know that deposits generally can only be made into checking accounts and at specific ATMs like Allpoint+. Trying to deposit cash at a different ATM or into a savings account will result in an error. Always check the account type and ATM capabilities before attempting a deposit.

Additionally, one of the most common reasons for a declined transaction is insufficient balance. Make sure you have enough funds in your account before making a transaction. You can easily check your balance using your banking app. Regularly monitoring your account helps avoid declined transactions and possible overdraft fees.

Común - Banking Designed for Your Life in the USA

Open your bank account¹ in 3 minutes with your country's ID²

Open your account

Card Activation or Card Locking

When you receive a new physical card, it must be activated before use. Until it's activated, any attempt to use the card will be declined. Activation can usually be done quickly through your banking app in the cards section. Follow your bank's instructions to make sure your card is ready to use.

On the other hand, for security reasons, you may need to lock your card if it's lost, stolen, or if you suspect fraudulent activity. This can easily be done through your banking app in the cards section. Locking the card prevents any unauthorized transactions and gives you control over your account's security.

[Image: credit card — keep as-is]

Understanding Declined Transactions

Beyond the common reasons, there are additional factors that can lead to a declined transaction:

Credit Limit: If you've reached your card's credit limit, any additional transaction will be declined. You can request a credit limit increase from your card issuer if you frequently reach your limit.
Incorrect Payment Information: Make sure the billing address, card number, and expiration date entered are correct. An incorrect credit card number or billing address will result in a declined transaction.
Expired Card: Using an expired card will lead to a declined transaction. Always check the expiration date and update your payment method with a new card when needed.
Suspected Fraud: Banks may decline transactions they suspect are fraudulent. This includes transactions in a different city or country. You can contact your bank to resolve fraud alerts and authorize the transaction.
Insufficient Available Credit: For credit card transactions, make sure you have enough available credit to cover the purchase. Monitoring your remaining balance can help avoid declines.
Temporary and Final Declines: Temporary declines (soft declines) are temporary and can be retried, while final declines (hard declines) are definitive and require contacting the issuing bank for resolution.

We'll teach you everything you need to know about bank accounts in the United States.

Conclusion

Understanding the reasons behind declined transactions can help you manage your finances more effectively and avoid unnecessary stress. By familiarizing yourself with transaction limits, using your PIN correctly, being aware of fraud protection measures, ensuring a sufficient balance, activating new cards, and knowing how to lock your card if needed, you can ensure smoother, safer banking experiences. Stay proactive with your banking habits and use the tools your bank provides to stay in control of your financial activity.

‍

Financial Education

How to Handle Lost or Stolen Checks: Steps and Precautions

8 min de lectura

If you lost a check or it was stolen, contact your financial institution right away to request a stop payment. With Común you can lock your card instantly from the app and reach support 24/7 by chat, email, phone, or WhatsApp.

What Is a Check and How Do You Cash It?

Checks are used as a form of payment, allowing individuals and businesses to transfer funds without the need for physical cash. A check is a specific amount of money from the check writer's account assigned to a check recipient (the payee). The check is typically written, dated, and signed, acting as an instrument that directs a bank to pay a recipient.

Before cashing a check, make sure all the details are correct and the check is valid. Verify the payee name, the written amount, the date, and the issuer’s signature. Also sign your name on the back of the check in the designated endorsement area, as this is required for banks to process checks. Take the endorsed check to your bank or use an ATM or mobile banking app if your financial institution offers check deposit services. You may also be asked to provide valid identification.

If you are depositing it, fill out a deposit slip if necessary, and the funds will be credited to your account. If you are cashing it, the bank will give you the amount in cash after deducting any applicable fees. If you deposited the check, it may take a few days for the check to clear and for the funds to become available in your account, depending on your bank’s policies.

Find more information about what a check is and how to cash it here.

Realizing a Check Is Missing: Stay Calm and Act Fast

Losing a check can feel overwhelming, especially if you are new to banking. The first step in handling a lost or stolen check is to stay calm. Panicking will not help, and thinking clearly and quickly is your best ally here. Take a moment to retrace your steps. Sometimes, the check may simply be misplaced rather than lost. Check all possible places where it might be. If it truly has disappeared, it is time to act quickly to prevent any potential misuse of your bank account or savings account.

Contact Your Bank: The First Line of Defense

Your bank or credit union is your best friend in this situation. As soon as you realize a check is missing, contact your bank immediately and begin monitoring bank accounts for signs of identity theft. Most financial institutions have a dedicated customer service line for such emergencies. Be ready to provide account information such as the check number, amount, and the date it was issued. The faster you notify them, the better they can help protect your account from fraudulent activity and identity theft.

Request a Stop Payment on a Lost or Stolen Check

After informing your bank, the next crucial step is to request a stop payment on the lost check. This action prevents the check from being processed if someone tries to cash it. Make sure to file a stop payment request for the lost or stolen check. There may be a fee for this service, but it is a small price to pay for the security it provides. Be sure to obtain confirmation from the bank that the stop payment has been successfully placed on your bank account.

File a Police Report: When to Involve Authorities for Identity Theft

If you suspect your check was stolen, it is important to file a police report with your local police department. This step not only helps with the theft investigation, but also provides you with a record of the incident, which can be useful for bank claims and insurance purposes. When filing the report, provide all relevant details, including any suspicions you may have about mail theft or check fraud. Reporting the incident to the appropriate government agency can also be beneficial in cases of identity theft.

Prevent Future Problems: Best Practices for Check Security

Prevention is always better than cure. To avoid losing checks in the future, consider these best practices:

Keep checks in a safe place: Store your checkbook in a secure but easily accessible location. Keeping it out of sight from prying eyes can help prevent potential theft. Consider using a locked drawer or a safe for added security.

Use electronic payments: Whenever possible, opt for direct deposit or electronic transfers, which are more secure and convenient. Direct deposits not only simplify your payments, but also reduce the risks associated with physical checks, such as mail theft or check fraud. Many financial institutions offer premium accounts with direct deposit options, ensuring your funds are transferred securely and quickly. In addition, you may earn a higher annual percentage yield on your savings and checking balances based on your direct deposit activity and qualifying deposits. To qualify for specific interest rates, you can use direct deposit, which includes payroll, pension, or government payments.

Regularly monitor your accounts: Frequently review your bank statements and account activity for unauthorized transactions or signs of check washing attempts. Set up alerts with your bank or credit union to notify you of any unusual activity. This vigilance is crucial for both your checking and savings balances, helping you detect fraudulent activity early and take immediate action.

Shred old checks: Properly dispose of old or unused checks by shredding them to prevent any misuse. Counterfeit checks are a common problem, and shredding helps keep a secure paper trail. Make sure any document containing your account number or payment information is completely destroyed before discarding it.

Be cautious with the mail: Avoid sending checks through outgoing mail, as this can expose you to the risk of mail theft. Instead, deposit them directly at the post office to ensure they are handled securely. For added security, consider using certified mail for important payments to create a traceable record of your transaction. Alternatively, use P2P transfers or electronic transfers to send money to friends, family, or anyone with a bank account in the U.S., highlighting the speed, simplicity, and security of these transactions.

Educate yourself about check fraud: Familiarize yourself with common check fraud schemes, such as check washing and counterfeit checks. Understanding these threats can help you recognize suspicious activity and protect your finances more effectively.

Protect your account information: Keep your account number, mobile number, and other personal details confidential. Sharing this information carelessly can make you a target for fraud. Always verify the identity of anyone requesting your account details.

By following these steps, you can effectively handle and prevent problems with lost or stolen checks. Remember, acting quickly and keeping your bank informed are key to protecting your finances and preventing someone from attempting fraud using your account information. Adopting these best practices will help you maintain a secure financial environment and give you peace of mind.

Now that you know how to handle lost or stolen checks, it is time to take control of your finances with ease. At Comun.app, we offer secure and easy-to-use solutions so you can manage your money without complications. Open your account in minutes and start enjoying the benefits!

What do I do if I lost a check or it was stolen?

Contact your financial institution right away to report the loss and request a stop payment. Also let the person who issued the check know, since they may need to issue a new one.

How do I lock my card if I suspect fraud?

You can lock your card instantly from the Común app, no phone call needed. Review your recent activity and report any transaction you don't recognize.

How do I contact Común support for an urgent issue?

Común offers 24/7 support through in-app chat, email, phone, and WhatsApp.

Frequently asked questions

What should I do first if I lost a check?

Contact your financial institution right away to request a stop payment, and let the person who issued it know.

Can I lock my Común card myself?

Yes, you can lock it instantly from the app without needing to speak with support first.

How do I report a transaction I don't recognize?

Contact Común support through chat, email, phone, or WhatsApp, available 24/7.

Am I liable if someone cashes a stolen check with a forged signature?

Generally not, if you report it right away to your financial institution; exact protections vary by case.

What do I do if my lost check was already cashed by someone else?

Contact your financial institution and the check issuer right away to start a claim.

How do I prevent losing checks in the future?

Consider receiving payments via direct deposit or electronic transfer instead of paper checks, and store any checks you do receive somewhere secure.

Financial Education

What to Do if Your Bank Account Is Compromised: Immediate Actions

8 min de lectura

If you suspect your account was compromised, act immediately: lock your card from the app, review your recent activity, and contact support. With Común, locking your card is instant and support is available 24/7.

Recognizing the Signs of Identity Theft and a Compromised Account

The first step is recognizing the signs that your bank account may have been compromised. Unusual or suspicious transactions, unexpected changes to your account details, and alerts or notifications from your bank that you didn't trigger are clear indicators. Getting text or email alerts about activity you didn't do can also mean your account has been hacked. Staying alert and regularly reviewing your account activity can help you catch these signs early if your bank account is hacked.

Immediate Actions to Take When You Notice Suspicious Activity

1. Contact Your Bank Immediately. If you suspect your account has been compromised, call your financial institution directly. Most banks have a dedicated fraud department that can freeze your account to prevent further unauthorized transactions. Acting quickly is crucial to protecting your hard-earned money.

2. Change Your Account Passwords. Immediately change your online account passwords and any other online accounts linked to your financial information. Make sure your new passwords are strong, unique, and different from passwords you've used before.

3. Monitor Your Account for Further Activity. Keep a close eye on your account for any additional suspicious activity. Regularly review your bank statement and account activity, and report any discrepancies to your bank. Setting up text and email alerts for transactions can help you stay on top of your account status.

Learn how to monitor your accounts here

4. Report the Fraud. File a report with your bank's fraud department. Also report the incident to the Federal Trade Commission (FTC) and consider filing a police report. This can help protect your credit report and prevent further identity theft.

Additional Precautions: Enable Two-Factor Authentication

[Image: homepage of bank app — keep image as-is]

To Prevent Future Incidents, Take These Additional Security Measures:

1. Secure Your Devices. Make sure your devices are protected with the latest antivirus protection and security updates. Avoid using public Wi-Fi for online banking.

2. Enable Two-Factor Authentication. Turn on two-factor authentication (2FA) for an extra layer of security on your bank accounts and other online accounts. This makes it harder for unauthorized users to access your accounts.

3. Be Careful What You Share. Be careful about the information you share online, and avoid providing sensitive information like your Social Security number through unsecured channels. Watch out for phishing emails and malicious links that can lead to a compromised account.

4. Use Strong, Unique Passwords. Make sure to use strong, unique passwords for all your other accounts. Avoid reusing the same password across multiple accounts, and change your passwords regularly.

5. Set Up Fraud Alerts. Consider setting up fraud alerts with your bank and credit bureaus. This can help you stay informed about any suspicious activity on your accounts.

We'll show you how to open a bank account in the United States

Común's Security Features

At Común, we prioritize the security of our customers' accounts, just like leading financial institutions. Our platform includes advanced security measures like encryption and real-time monitoring to protect your financial information. If you ever suspect fraudulent activity, our customer service team is available to help you right away. Just send us a message through the Común app, and we'll walk you through the steps needed to secure your account.

Open your bank account¹ in 3 minutes with your country's ID²

No minimum balance fees
Get paid up to 2 days early³
Send money to your home country safely
And much more!

Open your account!

Conclusion

Quick action is crucial when it comes to a compromised bank account. By recognizing the signs, taking immediate action, and using strong security features, you can protect your finances and regain control of your accounts. Stay alert and proactive to keep your bank account secure. Remember, responding quickly can prevent further losses and ensure your money stays in your hands.

‍

What are the signs my account was compromised?

Transactions you don't recognize, unexpected changes to your account details, or alerts about activity you didn't start.

What should I do right away if my account was compromised?

Lock your card instantly from the app, review your recent activity, and contact support to report the suspicious activity.

How do I contact Común support in an emergency?

Through in-app chat, email, phone, or WhatsApp, available 24/7.

Frequently asked questions

How do I know if my account was hacked?

Common signs include transactions you don't recognize, changes to your contact details, or alerts about activity you didn't start.

Can I lock my Común card myself if I suspect fraud?

Yes, you can lock it instantly from the app without needing to call support first.

What should I check first if I think my account was compromised?

Review your recent activity in the app to identify any transaction you don't recognize.

How do I report suspicious activity on my Común account?

Contact support through chat, email, phone, or WhatsApp, available 24/7.

Am I responsible for fraudulent transactions if I report them quickly?

Reporting right away reduces your liability; exact protections depend on the circumstances.

How do I protect my account going forward?

Turn on app notifications, review your activity regularly, and never share your access codes, even with someone claiming to represent Común.

Immigration

Bank Fees for Immigrants: Common vs. Competitors

8 min de lectura

For immigrants in the U.S., bank fees can amount to hundreds of dollars a year. Común stands out by offering a monthly-fee-free account, no minimum balance, and no SSN requirement. Compared with competitors like Seis and Majority, Común eliminates fixed fees while still providing full services in Spanish.

Choosing the right bank account can save you hundreds of dollars a year. For the immigrant community in the U.S., comparing fees is especially important because many traditional accounts charge fees that directly affect the monthly budget. We analyzed the main options available.

Fees at Traditional Banks

Major U.S. banks such as Bank of America, Chase, and Wells Fargo charge between $6 and $25 per month to maintain a checking account, with minimum balance requirements of $1,500 to $25,000 to avoid those fees. They also charge overdraft fees ($35 per transaction), out-of-network ATM withdrawal fees ($2.50-$5 per withdrawal), and international transfer fees ($25-$45 per wire transfer). For a newly arrived immigrant without credit history or a high balance, these costs add up quickly.

Común: No-Fee Account for Immigrants

Común offers a checking account with no monthly fee, no minimum balance required, and no overdraft penalty in many cases. It does not require an SSN — it accepts a passport, consular ID, and more than 100 Latin American IDs. Customer service is completely in Spanish. Account opening takes minutes from a mobile phone. It allows instant domestic transfers at no cost between Común users. It is the option designed specifically for the Latino community in the U.S.

Majority: Monthly Membership with International Benefits

Majority charges $5.99 per month as a base membership (down from $14.99). In return, it offers unlimited international calls to selected countries, roaming mobile data in more than 50 countries, and discounts at participating merchants. If you actively use international calling and travel benefits, the membership may be worth it. However, if you only need a basic bank account, you are paying for services you may not use.

Seis: Account for Visa Workers

Seis is designed for expats and visa workers in the U.S. It offers an account without an SSN using a visa and passport. Fees vary by plan: the basic account has limits on the number of free transactions. It is more geared toward professionals with work visas (H-1B, L-1) than the immigrant community at large. Its interface is available in multiple languages, including Spanish.

Direct Fee Comparison

In terms of monthly fee, Común charges $0, Majority charges $5.99/month, and traditional banks charge between $6 and $25. The minimum balance requirement is $0 at Común, $0 at Majority, and between $1,500 and $25,000 at traditional banks. Regarding SSN requirement, Común does not require it, Majority does not either, while traditional banks generally do. All three have FDIC or equivalent deposit protection.

Which Option Is Best for You?

If you are looking for the account with the lowest total fees and do not need unlimited international calls, Común is the most economical option. If you travel frequently or call abroad often, Majority’s membership may be worth it. Traditional banks only make sense if you already have the required minimum balance or if you need specific services such as mortgages or investment accounts.

Frequently Asked Questions About Bank Fees

What bank fees are most common in the U.S.?

The most common are: monthly maintenance fee ($6-$25), overdraft fee ($35 per transaction), out-of-network ATM fee ($2.50-$5), and international wire transfer fees ($25-$45). Digital banks like Común eliminate most of these fees.

Can I avoid bank fees at a traditional bank?

Yes, usually by maintaining a monthly minimum balance (which varies by bank and account type), receiving direct payroll deposit, or being a student. However, for immigrants without credit history or with variable income, meeting these requirements can be difficult at first.

Are ATM fees unavoidable?

No. Multiple digital banks offer free access to ATM networks (Allpoint, MoneyPass) with thousands of fee-free locations across the U.S. Común provides access to fee-free ATMs within its network. Outside the network, typical charges are $2.50-$5 from the ATM plus whatever your bank charges.

What is an overdraft fee and how can I avoid it?

An overdraft fee occurs when you spend more money than you have in your account and the bank covers the difference by charging you a penalty (typically $35). You can avoid it by activating low-balance alerts, linking a savings account as backup, or choosing a bank that does not charge overdraft fees — some digital accounts decline the transaction instead of charging a penalty.

Is it worth paying a monthly membership for a bank account?

It depends on the included benefits. A $5.99-$14.99 monthly membership may be worth it if it includes services you actively use (international calling, travel insurance, cashback). If you only need an account for deposits, payments, and transfers, a free account like Común is more cost-effective.

International Money Transfers

The Role of Mobile Apps in the Money Transfer Revolution

8 min de lectura

In an era where digital innovation shapes every aspect of our daily lives, the financial sector hasn't been left behind. The introduction of mobile apps for managing finances and transferring money has revolutionized how we interact with our money, offering unprecedented convenience, efficiency, and security. This evolution isn't just about technological advancement — it's about breaking down barriers, making financial services more accessible, and fostering inclusion.

At the heart of this transformation is the rise of apps designed not just to facilitate financial transactions, but to seamlessly fit into users' lives, regardless of their background or financial status. At Común, we're leading the charge toward a more inclusive financial future. Through our innovative services, we aim to empower this vibrant demographic, highlighting the important role mobile apps play in the money transfer revolution and laying the groundwork for a discussion on the broader impact on society and the economy.

Unpacking the Impact of Mobile Apps on Money Transfers

The digital era has marked a major shift in how financial transactions happen, particularly money transfers. At the forefront of this revolution are mobile apps, which have transformed the traditional banking landscape. Mobile banking apps and money transfer services have simplified how we send and receive money. By linking bank accounts to mobile apps like Google Pay, Apple Pay, and Cash App, users can transfer funds instantly, pay bills, and manage their finances with just a few taps on their smartphones.

These apps offer features including international money transfers, multi-factor authentication for security, and the ability to monitor account activity in real time. However, they're often not inclusive of immigrant communities, with barriers to entry like language, documentation, and cost. At Común, we stand out because of our inclusive financial services aimed at helping grow the already considerable impact immigrants have on the U.S. economy, including:

62 million Latinos now live in the U.S.
Latinos contribute $3.2 trillion to GDP.
More than 1 million immigrants annually play a key role in addressing labor shortages.

Apps like Común embody the seamless integration of banking services into our digital lives, promoting financial planning and letting immigrants reach their financial goals more effectively. The arrival of mobile money transfer apps represents a significant leap forward in financial technology. By offering convenience, speed, and security, we at Común aren't just meeting users' immediate needs — we're also paving the way for a more inclusive financial ecosystem.

Security and Trust Measures in Money Transfer Apps

As money transfer apps become increasingly central to our daily financial activities, concerns about data security and fraud prevention have taken center stage. Financial institutions and app developers have prioritized security, implementing robust measures like multi-factor authentication, encryption, and fraud detection technology to protect user data and transactions.

Mobile banking apps now come with advanced security features designed to prevent unauthorized access and ensure money transfers are safe and reliable. Despite these measures, users are encouraged to exercise caution, such as not sharing sensitive information like bank account numbers or phone numbers, and using secure payment methods to mitigate risk. With Común, that's why our users know their money is safe:

Their card is protected by VISA's guarantee against unauthorized charges.
They can easily lock and unlock their card from the app.
They receive instant notifications about all transactions so they can stay on top of charges and make sure there's no fraudulent activity.

Trust in money transfer apps is built on the foundation of strict security measures and financial institutions' ongoing efforts to improve user security. While fraud risk can't be completely eliminated, implementing comprehensive security protocols has made money transfer apps a safe, reliable option for financial transactions.

The Convenience of Money Transfers Through Mobile Apps

Looking ahead, it's clear money transfer apps will keep evolving, introducing new features and innovations that will further revolutionize the financial landscape. The ongoing development of money transfer apps promises exciting innovations, like greater integration with digital payment systems, better international transfer capabilities, and even more robust security measures. For example, here are some of the new features we're rolling out at Común:

Send money to your loved ones in Latin America from the app without breaking the bank, including Mexico, the Dominican Republic, Panama, Guatemala, and more.
More locations to add cash to your account, using a barcode at stores like CVS or 7-Eleven.
Personalized 24/7 customer service, so you can reach us day or night.
Transfers to other bank accounts.
Check deposit through your app.

Future iterations may offer more sophisticated financial planning tools, personalized banking services, and seamless integration with other digital payment platforms. The potential for innovation in money transfer apps is limitless, with advances poised to redefine the efficiency, security, and accessibility of financial transactions. As our app continues to evolve, it will undoubtedly play a crucial role in shaping the future of money transfers, giving our diverse users even more control over their financial lives and opening new possibilities for global financial inclusion.

1. U.S. Census Bureau. "Hispanic Population to Reach 111 Million by 2060." U.S. Census Bureau, 2018, https://www.census.gov/newsroom/facts-for-features/2023/hispanic-heritage-month.html

2. Hamilton, Dan, Ph.D., Matthew Fienup, Ph.D., David Hayes-Bautista, Ph.D., and Paul Hsu, Ph.D. "2023 U.S. Latino GDP Report." Center for the Study of Latino Health and Culture, California Lutheran University and UCLA David Geffen School of Medicine, 2023.

3. Ward, Nicole, and Jeanne Batalova. "Frequently Requested Statistics on Immigrants and Immigration in the United States." Migration Policy Institute, March 14, 2023, https://www.census.gov/library/visualizations/2018/comm/hispanic-projected-pop.html

‍

Living in the United States

CR1 spouse visa: complete guide for Latin Americans marrying a U.S. citizen

8 min de lectura

CR1 spouse visa: complete guide for immigrants marrying a U.S. citizen

Getting married is a major milestone. When one spouse is a U.S. citizen and the other lives abroad, the immigration process can feel overwhelming, especially when you start seeing terms like IR1 visa, CR1 visa, Form I-130, NVC, and consular interview.

Whether your spouse is waiting in Mexico, Colombia, or another country in Latin America, understanding the process can help you reduce stress and prepare for each stage.

This guide explains the IR1 visa and CR1 visa process in plain language, including timelines, costs, required documents, and what to expect during the consular interview.

The guide is for informational purposes only and does not constitute legal advice.

What is the IR1 / CR1 spouse visa?

The IR1 and CR1 visas are both immigrant visas available to spouses of U.S. citizens, allowing them to enter the United States as lawful permanent residents. The key difference between them lies in the length of the marriage at the time of visa issuance. In both cases, permanent resident status begins upon entry into the U.S., and the physical green card is mailed to the holder shortly after arrival.

Who qualifies?

Generally, you may qualify if:

You are legally married to a U.S. citizen
The marriage is genuine and not solely for immigration purposes
The U.S. citizen spouse files Form I-130 with USCIS
Both spouses meet the documentation and eligibility requirements established by USCIS and the U.S. Department of State
The U.S. citizen spouse must also generally demonstrate financial ability to support the immigrant spouse (Form I-864, Affidavit of Support), meeting at least 125% of the federal poverty guidelines
The foreign spouse must not be inadmissible to the U.S. (e.g., due to certain criminal history, prior immigration violations, health grounds, etc.), or must obtain a waiver if applicable

Unlike fiancé visas, the IR1 / CR1 are designed for couples who are already legally married.

For many immigrant families, the process begins while one spouse remains in countries such as Mexico or Colombia and waits for consular processing at locations like Ciudad Juárez, Mexico City, or Bogotá.

IR1 vs CR1: what's the difference?

Although the IR1 and CR1 visas follow the same application process, they lead to different types of green cards. The key distinction is whether the marriage is less than two years old or at least two years old when the green card is issued.

Feature	CR1 visa	IR1 visa
Marriage length	Less than 2 years	2 years or longer
Green card type	Conditional permanent residence	Permanent residence
Green card validity	2 years	10 years
Additional filing required	Must later remove conditions	No removal of conditions required
Eligibility basis	Married to U.S. citizen	Married to U.S. citizen

If the marriage is less than two years old when permanent residence is granted, the spouse typically receives conditional residence through a CR1 visa. Couples later file to remove those conditions. If the marriage is at least two years old, the spouse generally receives an IR1 visa and a standard permanent resident card.

IR1/CR1 vs K-3 vs K-1: which one do you need?

Before starting an application, it's important to understand which visa category matches your circumstances. IR1, CR1, K-1, and K-3 visas were created for different stages of a relationship.

IR1 or CR1

These visas are intended for couples who are already married. After approval and entry into the United States, the spouse becomes a permanent resident.

K-1 fiancé visa

The K-1 visa is for couples who are not married yet. The foreign fiancé enters the United States, the couple marries, and then applies for adjustment of status.

K-3 visa

Although the K-3 category still exists in immigration law, it is rarely used in practice today. Most married couples follow the IR1 or CR1 process instead.

For couples who are already married and living apart because of immigration processing, the spouse visa route is typically the path being considered.

Step-by-step application process

From start to finish, the IR1/CR1 process is designed to verify the relationship, review financial sponsorship, and confirm that the immigrant spouse is eligible for permanent residence. While the exact timeline varies, most couples move through the same series of steps before the visa is issued.

Step 1: File Form I-130

The U.S. citizen spouse begins the process by filing Form I-130, Petition for Alien Relative, with USCIS.

The purpose of the petition is to establish that a valid marital relationship exists.

Supporting evidence often includes:

Marriage certificate
Photos together
Joint financial records
Communication records
Other evidence showing a bona fide marriage (a legal marriage entered into in good faith)

Step 2: USCIS review

USCIS reviews the petition and supporting documentation. If additional information is needed, USCIS may issue a Request for Evidence (RFE).

Once approved, the case is forwarded to the National Visa Center (NVC).

Step 3: National Visa Center processing

The NVC assigns a case number and requests additional forms, fees, civil documents, and financial sponsorship documentation.

This stage typically includes:

Form DS-260
Affidavit of Support (Form I-864)
Civil documents
Passport information
Birth certificates
Marriage records

Step 4: Medical examination

Before the interview, the immigrant spouse must complete a medical examination with an authorized panel physician. Required vaccinations may also apply.

Step 5: Consular interview

Once the case is complete, the interview is scheduled at the appropriate U.S. embassy or consulate.

For many applicants in Latin America, this may occur in:

Ciudad Juárez, Mexico
Mexico City, Mexico
Bogotá, Colombia
Guatemala City, Guatemala
San Salvador, El Salvador
Santo Domingo, Dominican Republic

Step 6: Enter the United States

If the visa is approved, the spouse can travel to the United States and enter as a permanent resident. The green card is then issued after arrival.

Required documents checklist

Document preparation is one of the most important parts of the IR1/CR1 process. Missing records, incomplete forms, or inconsistencies between documents can delay a case, so it helps to gather key paperwork as early as possible rather than waiting for each stage to begin.

Although every case is different, applicants commonly need:

Valid passport
Marriage certificate
Birth certificate
Form DS-260
Form I-864 Affidavit of Support
Passport-style photos
Police certificates when required
Medical examination results
Evidence of a genuine marriage
Financial documentation from the U.S. citizen spouse

Original documents and certified translations may be required depending on the country and specific case. Many of the documents required throughout the IR1/CR1 process will be reviewed more than once by different government agencies. Keeping organized copies and checking that names, dates, and personal information are consistent across records can be helpful.

Timeline and costs: what to expect

Time and cost are not determined by a single application fee. The process involves separate stages administered by USCIS, the National Visa Center, and a U.S. embassy or consulate, each with its own processing requirements and associated expenses.

Processing times can vary depending on:

USCIS workload
National Visa Center processing
Consulate availability
Requests for additional evidence
Country-specific demand

Unlike some immigration categories, the IR1 and CR1 process does not have a fixed timeline. Some cases move faster than others, while others can take well over a year from filing to visa issuance.

Common costs

While costs are not fixed and every case is unique, the typical expenses you can expect may include:

Form I-130 filing fee
DS-260 immigrant visa fee
Medical examination
Vaccinations
Translation services
Document collection costs
Travel expenses related to the interview

Government fees can change over time, so applicants should always verify the most updated costs directly through USCIS and the U.S. Department of State.

The consular interview: what to expect

The consular interview is the final major step before a spouse visa can be issued. By this stage, the government has already reviewed the petition, supporting documents, financial sponsorship forms, and medical examination results. The interview gives a consular officer an opportunity to verify the information in the application and address any remaining questions.

While every interview is unique, the officer may ask questions about:

Your relationship history
Your wedding
Daily communication
Future plans together
Employment and finances
Previous immigration history

The goal of the interview is to confirm that the marriage is genuine and that all eligibility requirements are met. If the visa is approved, the consular officer typically keeps the passport temporarily so the immigrant visa can be issued.

After arrival: building your financial life together

Receiving an IR1 visa or CR1 visa is a major milestone, but it is only the beginning of establishing life together in the United States.

Many newly arrived immigrants need to:

Pay rent and utilities
Build a financial history
Send money to relatives in Latin America
Manage everyday spending
Receive direct deposit from an employer

A common challenge newly arrived immigrants face is opening a bank account before receiving a Social Security number.

How Común can help during the transition

For couples separated during the immigration process, Común offers remittance services for people in the United States who need to send money to family members in Latin America; they can do it directly from the app. This can be useful during the months of waiting between USCIS approval, NVC processing, and the visa interview.

When the immigrant spouse arrives in the United States, Común offers eligible customers the possibility of opening an account using a passport or more than 100 accepted Latin American IDs. Additionally, Común offers services for everyday payments, direct deposit acceptance available from day one, customer support in Spanish and a virtual debit card from day one of account opening.

Planning your transition to the United States

The IR1 visa and CR1 visa process can feel complicated at first, but understanding and preparing for each stage can make the process feel more manageable.

For many immigrant families, the journey can include months of waiting, collecting documents, attending medical appointments, and preparing for the consular interview. The process requires patience, but it also creates a pathway for spouses to build a life together in the United States.

While you wait, Común can help you send money to your spouse in Latin America from the app. When they arrive, eligible customers can open an account with a passport or more than 100 accepted Latin American IDs so that they can begin managing everyday finances while settling into life in the United States.

FAQ

What is the difference between an IR1 and a CR1 visa?

The main difference is the length of the marriage. A CR1 visa is generally issued when the marriage is less than two years old, while an IR1 visa applies when the marriage has reached at least two years.

How long does it take to get an IR1 or CR1 visa?

Processing times vary considerably depending on USCIS, the National Visa Center, and the consulate handling the case. Timelines should be verified through official government sources.

How much does the IR1 / CR1 visa cost in total?

Costs commonly include government filing fees, visa processing fees, medical exams, vaccinations, translations, and travel expenses. The exact total varies by case and country.

What documents do I need for the spouse visa application?

Applicants commonly need a passport, marriage certificate, birth certificate, financial sponsorship documents, visa application forms, medical examination records, and evidence supporting the marriage.

Can I work in the U.S. with an IR1 or CR1 visa?

Yes, after entering the United States as a permanent resident through an approved IR1 or CR1 visa.

What happens at the consular interview?

A consular officer reviews the application and asks questions about the relationship, eligibility, and supporting documentation. The purpose is to verify the information already submitted.

Do I need a lawyer for the IR1/CR1 application?

Some couples complete the process on their own, while others seek professional guidance. The decision often depends on the complexity of the case, prior immigration history, or other legal considerations.

Can I apply for IR1/CR1 from inside the United States?

The IR1 and CR1 categories are generally associated with consular processing abroad. Individuals already in the United States may have other immigration options depending on their circumstances. Because situations vary, reviewing official USCIS guidance is important.

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, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa Cards are accepted. Común is a financial technology company and not a bank or licensed money transmitter. Peer-to-peer payment services are provided by Cross River Bank. 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.

‍

Checking account

Común Account Security: Empowering Your Financial Journey

8 min de lectura

In a world where financial stability is crucial, Común stands out as a beacon of innovation in the traditional banking industry. Partnered with trusted banks like Community Federal Savings Bank, both FDIC Members, Común offers a secure foundation¹ for managing your finances. Here's how Común is changing the game for its customers and anyone seeking financial freedom and inclusion.

Partnered With Trusted Banks for Maximum Security

Común isn't just a fintech company¹ — it's a mission-driven platform designed to enable upward mobility through financial services. When you deposit with Común, you're guaranteed the same security as a traditional bank account, with deposits insured up to $250,000¹, ensuring financial stability for you and your family.

Safe and Fast Remittances

For many immigrant families and others, sending money back home to loved ones is essential. Común makes this process safe and fast, letting you meet your financial obligations with confidence. Licensed through Service UniTeller, Inc.⁴, Común ensures your remittances reach their destination quickly, giving you a better shot at financial stability.

Real-Time Notifications and Early Access to Funds

Stay informed with instant notifications — every transaction, every sign of activity is reported to you, giving you peace of mind. Común's unique early-access-to-payroll-deposits³ feature lets you manage your cash flow effectively, turning hard work into visible results sooner.

Visa-Enabled Security Worldwide

Común's Visa® debit card¹, processed through Visa USA Inc., ensures global acceptance and trust. Whether you're shopping locally or internationally, Común's banking solutions go with you everywhere, keeping your funds safe wherever you go.

Designed for Members' Unique Needs

Común is deeply committed to financial inclusion, designing products that meet the unique needs of its members — especially those who are just starting out or who struggle to connect with traditional banking channels. From simple account setup to learning how to manage your finances, Común is with you every step of the way.

Building a Community of Trust and Mobility

Común's mission goes beyond simple banking services — it's about building a community and helping millions of people navigate the complexities of financial systems. By offering tools that help you learn and grow, Común supports your journey toward achieving financial freedom.

Conclusion: Común

Común customers aren't just opening a bank account — they're joining a community dedicated to building financial stability and shaping a future where every hardworking person deserves a shot at upward mobility. Download the Común app this week to start your journey toward financial freedom, equipped with the best tools to help you navigate, connect, and thrive.

‍

Immigration

How to Create a Resume in the United States: Step-by-Step + Template

8 min de lectura

Practical Guide + Template to Create Your Resume in the United States

Getting a stable and well-paid job is the main goal of thousands of immigrants who come to the United States in search of a better quality of life.

For this reason, it’s essential to have an optimized resume (“CV”) that summarizes personal information, work experience, academic background, and all relevant details for recruiters and hiring managers.

You’ve probably faced the challenge of writing and refining a CV to apply for a job in your home country.

However, knowing the standards in Latin America is not enough, as U.S. resumes have key differences, such as length and focus on measurable results.

Mastering a new resume format can be challenging, and the process can be frustrating if you don’t hear back after sending multiple applications.

This doesn’t necessarily mean you lack the required skills — your resume might simply need some adjustments to get noticed by U.S. recruiters.

In this article, we aim to make the process easier for immigrant job seekers through a complete guide and sample resumes that will help you create your own by the end of the reading.

Differences Between a U.S. Resume and a Latin American CV

Even if you know how to write a resume in Latin America, it’s essential to understand the key differences compared to the U.S. standard.

Here are the main differences between a professional CV in Latin America and a U.S. resume.

Length

In Latin America, it’s common to see two-page CVs, while the American resume is usually limited to one page.

Focus on Quantifiable Achievements

U.S. recruiters look for quantifiable data and measurable results, while in Latin America it’s more common to include task descriptions and responsibilities.

No Photo, Age, or Marital Status

To prevent discrimination, U.S. resumes do not typically include a photo, age, or nationality.

Use of Keywords to Pass ATS Filters

The use of ATS (Applicant Tracking Systems) to detect keywords is widespread among U.S. companies.

Format

While Latin American CVs often use colorful or elaborate designs, U.S. recruiters prefer minimalist formats to make information easier to read.

Understanding these differences is crucial for immigrants, as it increases the chances of being considered by both recruiters and automated systems.

7 Steps to Create a Resume in the United States

Here’s a step-by-step guide to writing a strong U.S. resume that passes ATS filters and captures recruiters’ attention.

Step 1. Choose the Right Format

Avoid flashy designs, as they can make reading difficult and hurt your ATS score. Choose a clean, organized, and easy-to-scan format.

Step 2. Fill in Your Contact Information

Include your full name, U.S. phone number, professional email address, and LinkedIn profile link.

Remember that you do not need to include a photo, date of birth, or marital status.

Step 3. Write Your Professional Summary

Your profile should be concise and include relevant keywords. This section should be a short paragraph summarizing your work history, interests, achievements, and career goals.

Step 4. Clearly Present Your Work Experience

It’s essential to list your work experience clearly and in chronological order.

Use bullet points to list your most recent positions, including company name, job title, start and end dates.

Highlight measurable achievements in each position.

To write your professional achievements, use the XYZ formula, structured as follows:

X: what you did
Y: how you did it
Z: the result achieved.

For example:

“Improved the brand’s visual identity through an e-commerce rebranding project, reducing cart abandonment by 50%.”

Step 5. Your Education

List your academic background, including institution name, degree, and attendance dates.

Step 6. Highlight Your Skills

The skills section is key to making your resume stand out.

It’s recommended to separate this section into soft skills and technical skills.

Soft skills: communication, teamwork, time management, attention to detail.
Technical skills: design and editing software.

Step 7. Optional Sections

Depending on the vacancy and your profile, you can include additional sections, such as languages, certifications, or volunteer experience.

This information can set you apart from other candidates, as it gives you additional skills that could be relevant to the position.

Example of a U.S. Resume

Here’s an example of how an optimized resume should look, according to U.S. company standards.

On this page, you can download CV templates in English to customize yours according to your experience.

The last step is to adapt this example to your own professional profile and career path, which may differ depending on whether you are a recent graduate or already have experience.

Recent graduate: if you have no experience, focus on your academic background, highlighting valuable projects, professional internships, volunteer work, and personal projects.
Professional with experience: adapt the example to your own work history and use the XYZ formula to highlight your professional achievements.

Common Mistakes to Avoid When Writing a Resume in the U.S.

Here are some things to avoid when writing your resume.

Using the same resume for every job: try to tailor your resume to the job you are applying for.

Including a photo or unnecessary personal details: remember that in the United States, this data is irrelevant.

Poorly translating key terms: if you have doubts about how to translate a term from Spanish to English, consult a translator or compare different sources on the internet.

Making it too long: your resume should not exceed one page; otherwise, it may be discarded even if you have the necessary skills.

Using a graphic-heavy design that doesn’t pass ATS filters: you may think that recruiters like resume templates with eye-catching designs, but the truth is that they are unlikely to pass ATS filters.

Común, Your Ally for Financial Stability in the United States

Having a strong resume is key to successfully entering the U.S. job market.

Just as a resume opens the door to great job opportunities, Común opens the door to financial stability for immigrants.

Discover Común, the option designed to serve the needs of immigrant communities in the U.S., with service available in Spanish.

Discover All the Benefits of Común!

Open a checking account with a qualifying official identification from your home country.

Mobile app available in Spanish and English.

Easily receive payments from employers, cash checks, and send international money transfers to Latin America.

Discover Común, the option dedicated to meeting the needs of immigrant communities in the United States with services available in Spanish.

Frequently Asked Questions (FAQ)

If you still have questions, check out the next section.

Is It Necessary to Include References in the Resume?

It’s not necessary to include references in your resume, as companies usually request them later in the hiring process.

What Are the 3 Most Important Details in a Resume?

The 3 most important details are: contact information, professional experience, and skills.

What Language Should My Resume Be In When Applying in the U.S.?

The resume format used in the U.S. is becoming common in other countries, so the language should match the job posting.

‍

Ver todos

Cuatro personas sonrientes abrazadas de cerca, mostrando alegría y amistad.

Mujer sonriente con camiseta blanca, sentada al aire libre con árboles y luz solar de fondo.

Hombre sonriendo con gorra y camiseta gris, sentado en un establo junto a un cubo azul.

Mujer joven con camisa rosa ajustando un auricular mientras mira un teléfono móvil frente a una pared marrón.

Familia sonriente con dos niñas vestidas con vestidos a cuadros sentados juntos en un patio soleado.

Mujer con guantes y protector facial manipulando masa para tortillas al aire libre.

Niña pequeña mirando a la cámara con dos mujeres sonrientes detrás, al aire libre con fondo de muro blanco.

Thousands of immigrants are already achieving more with their money. You can too.

Download Común

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.