Una cuenta de banco es una cuenta financiera que un cliente tiene en un banco. La cuenta bancaria permite a los clientes depositar y retirar dinero, así como emitir cheques. Por esto mismo también se le llama cuenta de cheques.

Las ventajas de tener una cuenta bancaria son, entre otras:

• fácil acceso a su dinero - acceso bancario 24 horas al día, 7 días a la semana, a través de la página web o la aplicación del banco
• no es necesario llevar dinero en efectivo encima
• posibilidad de ganar intereses por sus depósitos
• crear un historial de crédito, lo que puede ser importante cuando quiera pedir un préstamo en el futuro

¿Cómo abrir una cuenta bancaria?

Abrir una cuenta bancaria es relativamente fácil. Tendrás que facilitar algunos datos personales, como su nombre, fecha de nacimiento y dirección. También se le pedirá una identificación; normalmente el número de Seguridad Social (SSN por sus siglas en inglés) basta para esto. Bancos más modernos, como Comun, ofrecen la posibilidad de reemplazar el SSN con su pasaporte o matrícula consular. Es posible que también se le pida documentación que demuestre prueba de residencia.

Los diferentes tipos de cuentas bancarias disponibles

Hay diferentes cuentas bancarias entre las que puede elegir. La cuenta de banco más común es la cuenta corriente, que le permite depositar y retirar dinero, así como emitir cheques. Una cuenta corriente es una gran opción si quieres acceder a tu dinero fácilmente sin llevar efectivo encima, ya que la tarjeta de débito de tu cuenta te permite hacer pagos en cualquier establecimiento.

Otro tipo de cuenta bancaria habitual es la cuenta de ahorro. Las cuentas de ahorros le permite ahorrar dinero y ganar intereses sobre sus depósitos. Es una gran opción para los que quieren acumular sus ahorros con el tiempo.

También hay una serie de cuentas bancarias especializadas, como las cuentas para estudiantes, personas mayores y empresas. Asegúrese de investigar las diferentes cuentas bancarias disponibles y elija la que mejor se adapte a sus necesidades.

Cómo gestionar una cuenta de cheques en línea

Muchos clientes de bancos eligen gestionar su cuenta bancaria en línea. Esto puede hacerse a través del sitio web o la aplicación del banco. La gestión de su cuenta bancaria en línea le permite acceder a su cuenta 24 horas al día, 7 días a la semana.

Algunas de las cosas que puede hacer en línea son:

• ver el saldo de su cuenta y el historial de transacciones
• transferir dinero entre cuentas de ahorros y de depósitos
• pagar facturas
• pagar su tarjeta de crédito
• depositar cheques
• configurar alertas bancarias para eventos específicos, como un saldo bajo o un depósito grande

¿Cuáles son los costos de abrir una cuenta bancaria en Estados Unidos?

Algunas cuentas, como las que ofrece Comun, son completamente gratis. Sin embargo, hay muchos bancos que sí cobran comisiones. Entre ellos están algunos de los bancos más populares de Estados Unidos:  Bank of America, JPMorgan Chase, Citigroup y Wells Fargo. Éstas son algunas de las comisiones que cobran:

• cuota mensual de servicio
• requisito de saldo mínimo
• cargo por sobregiro
• comisión por canjeo de cheques.

Ciertos bancos también limitan el uso del español en sus interfaces digitales o en sus centros de atención al cliente. Asegúrese de investigar las comisiones que se cobran y el lenguaje que se usa antes de abrir una cuenta con cualquier banco.

Respaldo del FDIC

La Federal Deposit Insurance Corporation (FDIC) es una agencia gubernamental que asegura los depósitos de los consumidores en los bancos que forman parte de su red. Es importante escoger un banco que cuenta con este respaldo, ya que tendrás hasta $250,000 de tus fondos asegurados por el gobierno de Estados Unidos en caso de que tu banco falle.

Los beneficios de Comun

En Comun encontrarás una cuenta coriente completamente gratis, en español (desde la aplicación móvil hasta el servicio al cliente), y con la flexibilidad de aplicar con su pasaporte, sin importar su nacionalidad. La apertura de cuenta es muy fácil y tendrás acceso a ella 24 horas al día, al igual que la posibilidad de pagar facturas o depositar cheques. Comun cuenta con el respaldo del FDIC, así que tus fondos están asegurados por hasta $250,000 USD.

Como con cualquier otro servicio financiero, asegúrate de investigar diferentes opciones disponibles y elija la que mejor se adapte a sus necesidades.

Las cuentas corrientes son una herramienta esencial para manejar nuestras finanzas personales, y el tipo de cuenta principal que utilizarás en el día a día en Estados Unidos. En este artículo, te explicaremos todo lo que necesitas saber sobre ellas y cómo puedes elegir la mejor opción para ti.

¿Qué es una cuenta corriente y por qué la necesitas?

Una cuenta corriente es un tipo de cuenta bancaria que te permite depositar y retirar dinero con facilidad. Es la cuenta más comúnmente utilizada para manejar transacciones diarias como pagar facturas, hacer compras y recibir tu salario. La necesitas porque te proporciona un lugar seguro para guardar tu dinero y te permite realizar transacciones financieras de manera eficiente.

Ventajas de tener una cuenta corriente

Las cuentas corrientes ofrecen varias ventajas:

1. Primero, te proporcionan un lugar seguro para guardar tu dinero.
2. Segundo, facilitan el manejo de tus finanzas al permitirte realizar transacciones fácilmente.
3. Tercero, muchas cuentas corrientes ofrecen servicios adicionales como tarjetas de débito, cheques, y acceso a banca en línea y móvil.

Diferencias entre cuentas corrientes y cuentas de ahorros

Mientras que una cuenta corriente está diseñada para transacciones diarias, una cuenta de ahorros está diseñada para guardar dinero a largo plazo. Las cuentas de ahorros suelen ofrecer tasas de interés más altas, lo que te permite ganar dinero con tus ahorros. Sin embargo, no son tan accesibles como las cuentas corrientes y pueden tener restricciones sobre el número de transacciones que puedes realizar.

Requisitos frecuentes para abrir una cuenta corriente

Documentación necesaria

Para abrir una cuenta corriente, generalmente necesitarás proporcionar una identificación con foto, prueba de domicilio y tu número de seguro social o número de identificación fiscal.

En Común, la banca online para inmigrantes en Estados Unidos, los principales documentos que necesitarás son:

1. Documentación oficial de tu país de origen
2. Un número de identificación fiscal como ITIN o número de seguro social (SSN).
3. Comprobante de domicilio en Estados Unidos como un recibo a tu nombre donde aparezca la dirección de tu domicilio dentro de territorio estadounidense.

El proceso de abrir una cuenta corriente con Común es 100% online y puede ser realizado en menos de 5 minutos. 

Depósito mínimo y otras condiciones

Algunos bancos requieren un depósito mínimo para abrir una cuenta corriente. Además, pueden aplicar cargos si tu saldo cae por debajo de un cierto nivel. Por ejemplo, Chase Bank ofrece la cuenta Chase Total Checking y Citi Bank ofrece la cuenta Citi Basic Banking Package, que incluyen acceso a miles de cajeros automáticos, servicio de banca en línea y móvil. Sin embargo, como muchos de los otros bancos tradicionales, cobran una cuota mensual de servicio de entre $8 a 12 al menos que cumples con ciertos requisitos de balance promedio mensual o un monto mínimo depositado por medio de depósitos directos mensualmente. Adicionalmente, pueden cobrar cobros de sobregiro de hasta $39 o más.

Sin embargo, en Común no hay un monto de depósito mínimo, balance minimo mensual, o costo de servicio mensual, ni tampoco costos escondidos en la letra pequeña.

Lo que no te dicen sobre las cuentas corriente en Estados Unidos:

Generalmente, puedes acceder a los fondos depositados en tu cuenta a través de retiros en cajeros automáticos, cheques, transferencias electrónicas, y tarjetas de débito. Sin embargo es importante que sepas que cada institución bancaria puede cobrar tarifas por la realización de cada una de estas operaciones y es importante que las sepas antes de abrir una cuenta bancaria con ella para comparar tus opciones e identifiques la que más te convenga en practicidad.

Por otra parte, muchos bancos requieren un depósito inicial para abrir una cuenta corriente. La cantidad varía según el banco, pero puede oscilar entre $25 y $100. En el caso de la cuenta corriente de Común, no tiene ningún costo, es decir, el monto de depósito inicial para abrir una cuenta corriente es de $0.

Adicionalmente, las cuentas corrientes pueden tener varias tarifas adicional a las tarifas de mantenimiento mensual, como lo son las tarifas de cajero automático, tarifas por sobregiro y más. Algunos bancos renuncian a la tarifa mensual si mantienes un saldo mínimo o tienes un depósito directo regular. En Común, puedes depositar y retirar dinero de manera gratuita en más de 55mil cajeros automáticos en Estados Unidos que puedes encontrar en establecimientos como Walgreens, CVS, Target, y más.

Algunos bancos ofrecen una protección de sobregiro que te impide rebotar cheques o que tu tarjeta de débito sea rechazada si no tienes suficiente dinero en tu cuenta. Sin embargo, este servicio puede venir con tarifas elevadas, por lo que es importante entender los términos.

Y si vives en el siglo XXI, el acceso a la banca en línea y móvil te permite revisar tu saldo, pagar facturas, depositar cheques y transferir dinero desde cualquier lugar.

Una característica especial de las cuentas corrientes es el Seguro FDIC. Los bancos en los EE. UU. suelen estar asegurados por la Corporación Federal de Seguro de Depósitos (FDIC). Esto significa que incluso si el banco quiebra, tu dinero (hasta $250,000) está protegido. Por ejemplo, las cuentas bancarias de Común están aseguradas por el FDIC por hasta $250,000 USD a través del banco afiliado Piermont Bank.

Las cuentas corrientes son una herramienta esencial para manejar tus finanzas personales. Te proporcionan un lugar seguro para guardar tu dinero y te permiten realizar transacciones financieras de manera eficiente. Al elegir una cuenta corriente, debes considerar factores como las tarifas, los servicios ofrecidos, la ubicación y reputación del banco, y las tasas de interés. Con la información correcta, puedes elegir la cuenta corriente que mejor se adapte a tus necesidades.

Si buscas abrir una cuenta corriente y obtener una tarjeta de débito, ¿qué esperas para hacerlo con Común? 

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

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

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

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

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How Does an International Money Transfer Work?

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

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

International Money Transfers via Traditional Banks

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

International Transfers via Specialized Applications

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

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

Steps and Requirements for Making an International Money Transfer

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

1. Choose a Provider

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

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

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

2. Create an Account

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

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

Requirements for Opening an Account with Comun

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

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

3. Enter Transaction Details

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

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

Then, enter the amount you wish to send.

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

4. Review Costs and Rates

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

5. Send the Money

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

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

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

6. Confirm Receipt

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

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

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

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

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

• Transfer Fees

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

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

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

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

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

• Exchange Rate
   

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

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

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

• Hidden Fees

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

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

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

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

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

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

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

Why Choose Comun for International Money Transfers?

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

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

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If you need to make bank transfers in the United States, it will be useful to know what the ACH network is and understand its importance in the country’s banking system.

ACH (Automated Clearing House) is an Automated Clearing House that handles the processing of electronic transfers between U.S. accounts.

It is highly relevant for receiving direct payroll deposits, also known as ACH credits, and for processing recurring payments, due to several advantages compared to the traditional bank network, such as cost reduction and traceability of operations.

According to official sources, in 2024 the ACH payment network processed around 33.6 billion electronic payments, with a value close to $86.2 trillion, underscoring the importance of this method in the U.S. financial system.

On this occasion, we will explain in detail the advantages of this type of transaction and provide some recommendations so you can get the most out of them.

What is ACH and how does it work?

ACH or Automated Clearing House is a network that allows money to move between banks, credit unions, and other financial institutions in the United States, where the use of cash or checks is not necessary, because everything is processed electronically.

The central part of this system is NACHA (National Automated Clearing House Association), which oversees compliance with the rules and ensures transfers are carried out according to established security standards.

It is very likely that in your daily life you have already used the ACH system without noticing it. For example, for:

• Payroll deposits: every time you receive your salary in your bank account.

• Bill payments: to pay basic services such as electricity and internet automatically.

• Transfers between people: when you make an electronic transfer to a friend or to your own accounts.

Differences between ACH payments and other transfer methods

In the United States, there are different systems for moving money. In addition to the ACH network, you can rely on more traditional networks such as wire transfers and checks.

The main difference with other bank transfer systems is that ACH focuses on electronic, secure, and low-cost payments, which take longer than other options that tend to be more expensive; whereas ACH transfers are more suitable for recurring payments and direct deposits.

Below, we show you a comparative table so you can visualize the fundamental differences between ACH payments and other methods.

Benefits and some recommendations when using ACH payments

One of the main advantages of ACH payments is the security involved in using this system to transfer money. This is because it is regulated by an organization called NACHA, which verifies each transaction based on financial system regulations, thereby reducing the chances of fraud.

Despite the trust that ACH transfers provide, they also present some limitations.

These are the most common benefits and limitations of the ACH system:

Benefits

• It is the lowest-cost method of transferring money, as transactions are free or have minimal fees

• Transactions are protected by NACHA regulations, which guarantees their security

• It is a system well-suited for processing recurring payments and subscriptions

• It is easy to track operations, because all are recorded in the banking system

Limitations

• Transactions take longer to complete. Generally, they are reflected the next day or up to two business days later

• International money transfers cannot be made, only within the United States

• Some banks may set daily limits, so it is not advisable for moving large amounts of money

If you need an alternative for making recurring payments and direct deposits to a bank account within the United States, the ACH network is a popular alternative due to its security standards and accessibility. But if you are looking for other types of financial services, you can consider more comprehensive options.

At Común we make your ACH payments easier

As you can see, ACH payments are a reliable option for making and receiving money transfers, as long as they are scheduled transactions within the United States and within the limits set by banks.

It is very important to have a reliable and transparent partner to move your money and manage your personal finances in a comprehensive and efficient way.

Meet Común, the platform that integrates the ACH network for direct deposits, payments, and transfers, and uses a service that has clear and visible rates in the mobile app.

Discover everything Común offers you!

• Open your account with a qualified official ID from your country of origin—we accept more than one hundred of them!

• Get a debit card and make purchases easily

• Deposit cash at hundreds of locations near you

• Make international money transfers for a fee starting at $2.99 USD, up to the available limits

• Be part of a service that speaks your language and understands the needs of immigrants working in the United States

Don’t wait any longer—open your account at Común!

Frequently Asked Questions (FAQ)

If you have questions about what ACH is and what it is for, consult our Frequently Asked Questions section.

How long does an ACH transfer take?

Generally, ACH transfers take 1 to 2 business days. It is also possible they are completed the same day if the bank offers the same-day ACH option.

How much does it cost to send money via ACH?

ACH transfers are usually free up to the applicable limits. Some banks charge a minimal fee, around $3 USD. It is a more economical option than a wire transfer, which can cost more than $50 USD.

Is it safe to use ACH for personal payments?

Yes, ACH transfers are regulated by the NACHA system, so they are easily traceable and protected with anti-fraud security measures.

Can I use ACH if I don’t have a bank account in the U.S.?

No, to send money through the ACH system you need an account number from a U.S. bank or credit union. Otherwise, you can resort to more accessible alternatives such as Venmo, PayPal, and Común.

What is an ACH payment?

An ACH payment is a money transfer processed through the ACH system and managed by NACHA (National Automated Clearinghouse Association).

What is a wire transfer?

A wire transfer is a payment method that allows money to be moved from one bank to another electronically, both nationally and internationally.

The bank routing number, or ABA Routing Number, is essential information for making money transfers. It is a 9-digit code used to identify each financial institution in the United States.

This code is so important because it ensures that electronic transactions are carried out correctly and that funds reach the designated bank.

In this article, we offer a complete guide to help you understand what a bank routing number is, what it does, where to find it, and how it is used in everyday electronic financial transactions.

What is a bank routing number (ABA), and why is it essential in the U.S. banking system?

An ABA routing number, or transit routing number, is a unique 9-digit code that serves as an identifier for each financial institution in the United States.

It differs from a bank account number in that an account number is personal, valid for the use of a single user only. By contrast, the routing number is a unique identifier for banks, credit unions, and digital banks.

The primary function of the routing number is to allow financial institutions to precisely identify which bank to send to or receive from during routine operations such as direct deposit of payroll, automatic payments (ACH), and electronic transfers.

It is important to note that this code is different from a bank account number and is not equivalent to the IBAN (International Bank Account Number), which is a set of numbers used especially in Europe to identify international bank accounts and is composed of the country code, check digits (the checksum of the bank account number), and a bank account number.

In the United States, however, the SWIFT/BIC code is used for international money transfers, not the IBAN.

Here are some crucial functions of the bank routing number in digital transactions.

Unique bank identification

The bank routing number helps prevent errors when identifying a specific bank and processing a transfer from one institution to another, even when they have similar names or many branches across the country.

Facilitates electronic transfers

This code is also indispensable so that ACH systems and wire transfers can send funds to the correct destination, quickly and securely.

Key for direct deposits

The ABA number is also essential for employers to make direct deposits, using that code together with the checking account number, without the need for checks or cash.

Automated bill payments

To set up automated payments for services such as electricity, water, and online subscriptions, you must provide the bank routing number so the billing system can process the transaction automatically.

Handling funds between banks

This number is also indispensable for transactions involving multiple financial institutions, such as interbank transfers or check clearing.

How to find a bank routing code and your bank account number

By now, the importance of the ABA number is clear. But how do you find a bank routing code? Knowing this information is the first step to making transfers correctly.

Likewise, it is essential to understand how to find your bank account number and to tell one number from the other to avoid confusion.

The routing number consists of 9 digits and identifies the bank. The account number has usually 10 to 12 digits and identifies the individual account within the bank.

To find your account number, look at the bottom of a check; it is the series of numbers that follows the routing number. You can also find it at the top of a statement or directly in the mobile application.

It is essential to make sure you have the correct routing number before making a transfer. Therefore, it is advisable to confirm it directly with your financial institution to avoid errors.

Many users ask where to find the routing number on a physical debit card. However, the routing number is not printed on such instrument because it is intended for digital transfers, not for payments at physical merchants.

These are the most common places to find the routing number for your bank or financial institution.

On your checks

Check the lower left corner of your personal or business checks; the routing number is the 9 digits shown there.Another relevant detail is the check number, which is usually at the top.

Mobile application

Another way to find this code is to access your mobile application and go to the transfers or direct deposit information section.

Bank statements

Check your latest bank statement, whether physical or digital; the routing number may appear in a section of that document.

Direct contact with your bank

If you have any doubt about the routing number, you can contact your bank by phone or visit a branch so they can clarify any questions before you make a bank transfer.

Your routing number and account: Key tools for your finances in the U.S. with Comun

Throughout this article, we have learned the importance of both the bank routing number and the bank account number in the U.S. financial system. Both are indispensable for carrying out fast and secure digital transactions.

Being clear about what a bank’s ABA number is not only lets you carry out digital transactions with ease but also gives you financial autonomy to allocate your resources toward the services you need for your well-being.

The U.S. financial system can seem complicated, especially for immigrant communities. That is why Comun seeks to streamline processes and offer transactions without complications.

• Receive and send money easily from your mobile application
• Integrate other applications and enhance your experience
• Access support available in Spanish and English
• Send international remittances with fees starting at $2.99 USD, up to the applicable limits.
• Get started with official ID from your country

Open your account today and discover an ally to manage your finances in the United States.

Frequently Asked Questions

If you have more questions, check our frequently asked questions section.

Where can I find my routing number if I don’t have checks?

You can find it on your account statement or by calling the bank directly.

What is the routing number for ACH transfers?

It is the code that identifies each bank and consists of 9 digits.

Is the routing number the same for all banks?

No. Each bank has a different routing number.

What is the routing number on a card?

The routing number does not appear on physical cards.

What is the routing number on a check?

It is found at the bottom of a check and consists of 9 digits.

Living in the U.S., without a doubt, represents a major advantage for improving quality of life, due to the job opportunities this country offers both citizens and foreigners. However, adjusting to the pace of life in the United States also means facing various expenses that can affect personal finances, especially for newly arrived immigrants.

Savings strategies are an indispensable ally for reducing financial uncertainty, being prepared for any unforeseen event, and building a full future in a new country.

If you identify with this situation and are navigating difficulties covering monthly expenses, below we show different ways to save money in the USA tailored specifically to the reality of immigrants, as well as alternatives for savings accounts, so you can have full control of your capital.

10 ways to save money in the USA

Saving in the United States means developing a set of habits aimed at optimizing resources and choosing financial services with competitive interest rates.

Setting savings goals is the first step toward starting a healthy, worry-free financial life.

Below, we share some strategies to get the most out of your daily spending.

1. Plan and budget your expenses

Before making any move, it’s essential that you’re clear on the amount of your monthly income and outgoings, so you should start by keeping clear financial records.

To do this, you can use a personal finance and budgeting application or a spreadsheet, in order to record categories such as:

• Fixed expenses: all expenses you repeat every month such as rent, utilities, transportation, remittances, etc. 
• Variable expenses: expenses whose amount varies, such as food, entertainment, loans, etc. Based on your income, assign a budget to each. 
• Savings: it’s very important to make sure you keep a sufficient amount of money after covering your monthly expenses. It will help you build an emergency fund you can use for the unexpected. Set short-term financial goals so you can monitor your progress.

2. Take advantage of deals and coupons

An effective way to take advantage of deals at different department stores is to use an application that helps you compare prices; that way, you can choose an alternative without leaving home.

You can also take advantage of the loyalty programs several stores offer through their mobile applications, such as Safeway and Target.

3. Reduce housing costs

Depending on the city, rent can be one of the highest expenses in your budget. If you find that after covering this item your wallet is too tight, you can consider applying some strategies.

• Consider sharing an apartment with roommates.
• Look for an area with accessible rental prices, such as Texas. 
• By contrast, New York is among the most expensive places to live, so it’s advisable to look for more accessible options.
• Check your eligibility to access the public housing program with the Housing Authority.

4. Cook at home instead of eating out

Eating at restaurants is always tempting, but it can generate up to 5 times more expenses than preparing food at home. Plan weekly menus and avoid wasting food.

5. Use low-fee remittance services to send money to your country of origin

For immigrants in the United States, sending money home is a basic need, since it is one of the main means of support for their loved ones.

Before sending money to Latin America, make sure to compare different services in terms of transfer fees, exchange rate, delivery methods, and time.

Comun lets you send your first remittance at no cost (Promotion subject to change. Check availability in the mobile app) and offers accessible fees for the following ones. It is a popular option among immigrants for its accessibility and bilingual Spanish-language support, because it shares language, interests, and common goals: bringing families closer through safe and accessible financial solutions.

6. Use public transportation or share rides

Public transportation is a great way to get around a city at low cost. You can choose the bus service, ride-sharing applications, or, for short distances, a bicycle.

7. Look for assistance programs or local benefits available to immigrants

Check the availability of assistance programs in your city, such as medical care at community health clinics and food banks.

For example, the Supplemental Nutrition Assistance Program (SNAP) provides financial assistance for the purchase of nutritious food. Eligibility for this benefit depends on immigration status, as it requires citizenship or legal residency in the country.

8. Learn about credit and finances as an immigrant

Understanding the U.S. financial system is key to accessing basic services such as a bank account, debit card, credit card, etc. For this, you generally must have an SNN or ITIN. Therefore, it’s advisable to look for accessible options so you can integrate as soon as possible.

In addition, the U.S. government offers a retirement savings plan through the Individual Retirement Account (IRA), which allows you to accumulate money tax-free until it is withdrawn.

9. Buy second-hand to save from the start

Another way to save money is to buy household items at second-hand stores such as Craigslist, OfferUp, and Goodwill. In this way, you can save up to 50% of the budget allocated to these purchases.

10. Take advantage of government benefits

Another support program is Housing Vouchers, which help low-income families with rent payments. On the other hand, the Earned Income Tax Credit (EITC) is available to workers with low to moderate incomes.

What earns the most money in the United States?

If you’re wondering how to make more money in the USA, you should consider working in some of the country’s sectors if your profile fits any of them.

These are some of the highest-paying jobs in the United States, which will not only allow you to meet your savings goals but also significantly improve your quality of life.

Medicine

Professions related to the health sector in the United States are among the highest salary. Average earnings can reach up to $450,000 USD per year, depending on the specialty.

Public Services

This sector also reaches very good earnings, which average can reach up to $133,800 USD per year. This sector includes jobs related to electricity and the generation of renewable energy.

Information Technology (IT)

This is one of the highest-paying industries worldwide. In the United States, average annual salaries reach approximately $99,500 USD. It encompasses skills related to software development, artificial intelligence, and cybersecurity.

Finance

The average earnings of jobs related to the financial sector exceed $90,000 USD. In this case, you can specialize in professions such as portfolio management and investment banking or financial advisor.

Law

Finally, the legal sector is also very well paid, with average earnings of approximately $176,000 USD per year.

Open your account at Comun easily, quickly, and safely

Saving in the United States doesn’t mean giving up your quality of life, but rather adopting smarter money-management habits and developing a solid financial education.

You can start with simple savings strategies, such as taking advantage of digital discounts, reducing housing expenses, avoiding impulse purchases, and choosing more economical remittance platforms.

The key to strengthening your finances lies in organizing resources with a long-term vision and applying these strategies consistently to move toward your goals.

Meet Comun! The financial platform that addresses day-to-day needs in the United States, through an easy-to-use mobile app, where you can open an account in a matter of minutes with a qualified official ID from your country of origin. Send money to your loved ones without complications, so your family gets more for less. See terms and conditions. Exchange rates and fees may vary by country, amount, and delivery method.

Comun is a digital platform designed to help the immigrant community in the U.S., available in Spanish and English.

Frequently Asked Questions

If you still have questions, check our Frequently Asked Questions section.

Which account fits your needs in the United States?

Comun is a popular alternative among immigrants who seek accessible, quality services. Open your account today and discover all the benefits.

What is the 50-30-20 rule?

It’s a savings method that helps you divide your income to reach your financial goals: 50% for necessities, 30% for discretionary expenses, and 20% for your savings fund.

How can you make money quickly in the United States?

Look for flexible jobs on applications or sell things you no longer use on second-hand sites.

A medida que las razones para transferir dinero internacionalmente aumentan, también lo hacen los métodos por los cuales se pueden completar estas transacciones. Este artículo te guiará en la selección del servicio adecuado para tus necesidades, proporcionará un recorrido detallado del proceso de transferencia de dinero internacional y ofrecerá consejos para minimizar las tarifas y navegar por el paisaje regulatorio de las transferencias de dinero internacionales. Ya seas un remitente por primera vez o busques optimizar tus transacciones regulares, las siguientes perspectivas te equiparán con el conocimiento para tomar decisiones informadas.‍

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Entendiendo las Transferencias de Dinero Internacionales

En un mundo cada vez más globalizado, la capacidad de transferir dinero a través de fronteras es esencial para propósitos personales y comerciales por igual. Las transferencias de dinero internacionales facilitan el flujo de fondos entre diferentes países, sirviendo una variedad de necesidades: desde apoyar a miembros de la familia en el extranjero, hasta pagar por servicios en otro país, hasta invertir en activos en el extranjero.

Tradicionalmente, los bancos han sido las principales instituciones que manejan estas transferencias, ofreciendo seguridad y fiabilidad. Sin embargo, a menudo son criticados por tarifas más altas y tipos de cambio menos favorables. En respuesta a estas limitaciones, han surgido una variedad de servicios alternativos de transferencia. Los servicios de transferencia en línea ofrecen tarifas y tipos de cambio competitivos, junto con plataformas fáciles de usar que simplifican el proceso, haciendo que las transacciones internacionales sean accesibles para todos con acceso a internet. Además, las aplicaciones móviles han revolucionado el escenario de transferencia internacional, permitiendo transferencias instantáneas con solo unos pocos toques en un smartphone. Cada una de estas entidades tiene su propio conjunto de ventajas y es adecuada para diferentes tipos de clientes y necesidades.

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Eligiendo el Servicio Correcto: Factores a Considerar

Al decidir sobre un servicio para transferencias de dinero internacionales, varios factores clave deben guiar tu elección. Las tarifas de transferencia son a menudo la primera consideración; estas pueden variar significativamente entre servicios, con algunos cobrando una tarifa fija, otros un porcentaje del monto transferido, y otros ofreciendo transferencias sin tarifas en ciertos umbrales. Los tipos de cambio proporcionados por el servicio son igual de cruciales, ya que incluso una pequeña diferencia en el tipo de cambio puede afectar significativamente la cantidad que recibe el destinatario, especialmente en transferencias más grandes.

La velocidad de entrega es otro factor importante. Dependiendo de la urgencia de tu transferencia, puedes elegir un servicio que ofrezca transferencias instantáneas o del mismo día, incluso si podría costar un poco más. Además, no todos los servicios operan en cada país; por lo tanto, la disponibilidad del servicio en el país de destino es una verificación vital.Por último, no se deben pasar por alto las preocupaciones de seguridad y la disponibilidad del servicio al cliente. Asegúrate de que el servicio tenga medidas de seguridad robustas y ofrezca un soporte al cliente confiable en caso de problemas. Los proveedores deben estar regulados por las autoridades financieras relevantes, y deberías tener acceso al servicio al cliente a través de múltiples canales (teléfono, correo electrónico, chat) en cualquier momento.

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Guía Paso a Paso para Enviar Dinero al Extranjero

Enviar dinero internacionalmente involucra algunos pasos clave. Aquí te mostramos cómo puedes hacerlo:

1. Elige un Proveedor: Investiga y selecciona un servicio de transferencia basado en los factores anteriores - Puedes empezar con Comun ahora mismo.
2. Crea una Cuenta: Regístrate y verifica tu identidad, lo cual puede requerir proporcionar documentación como un pasaporte o licencia de conducir.
3. Ingresa los Detalles de la Transacción: Especifica la cantidad que deseas enviar, la moneda y la información del destinatario, incluyendo sus detalles bancarios o número de móvil, dependiendo del método de transferencia.
4. Revisa Costos y Tasas: Confirma las tarifas, los tipos de cambio para la moneda extranjera del destinatario, y el monto total que recibirá el destinatario.
5. Envía Dinero: Completa la transacción. La mayoría de los servicios proporcionarán un número de seguimiento o ID para seguir el progreso de tu transferencia.
6. Confirma la Recepción: Asegúrate de que el destinatario confirme que el dinero ha sido recibido en la cantidad y plazo esperados.

Por seguridad, siempre verifica dos veces los detalles del destinatario y los resúmenes de transacciones antes de confirmar la transferencia, y solo utiliza redes seguras cuando realices transacciones en línea.

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Manda dinero a tu país
de manera segura⁴

Envía al extranjero con tranquilidad con tu cuenta Comun¹
¡Abre tu cuenta en 3 minutos!

Abre tu cuenta

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Estrategias Efectivas en Costos para Transferencias Internacionales

Transferir dinero internacionalmente podría parecer desalentador si no estás familiarizado con el proceso. Sin embargo, con la orientación adecuada, puede ser sencillo y seguro. Los siguientes puntos te ayudarán a navegar por las etapas esenciales de enviar dinero al extranjero, desde elegir un proveedor de servicios hasta asegurar que los fondos hayan llegado de manera segura a tu destinatario. Ya sea que estés apoyando a la familia, liquidando pagos o gestionando inversiones y cuentas bancarias, seguir estos pasos te ayudará a navegar por las complejidades de las transferencias de dinero internacionales de manera eficiente.

Transferir dinero internacionalmente podría parecer desalentador si no estás familiarizado con el proceso. Sin embargo, con la orientación adecuada, puede ser sencillo y seguro. Los siguientes puntos te ayudarán a navegar por las etapas esenciales de enviar dinero al extranjero, desde elegir un proveedor de servicios hasta asegurar que los fondos hayan llegado de manera segura a tu destinatario. Ya sea que estés apoyando a la familia, liquidando pagos o gestionando inversiones y cuentas bancarias, seguir estos pasos te ayudará a navegar por las complejidades de las transferencias de dinero internacionales de manera eficiente.

• Compara Proveedores: Usa herramientas de comparación en línea para encontrar los mejores tipos de cambio y las tarifas más bajas. A veces, usar un banco o servicio intermediario puede aumentar inesperadamente los costos.
• Planifica con Anticipación: Si tu transferencia no es urgente, observa los tipos de cambio durante unos días o semanas para elegir un momento más favorable. Los tipos de cambio fluctúan debido a informes económicos, demanda del mercado y eventos geopolíticos.
• Transferencias Más Grandes Menos Frecuentes: Si es posible, envía cantidades mayores con menos frecuencia en lugar de pequeñas cantidades a menudo, ya que esto puede reducir los costos si la estructura de tarifas es por transacción.
• Verifica Cargos Ocultos: Ten en cuenta las posibles tarifas ocultas, como las tarifas de bancos intermedios para transferencias electrónicas, o las tarifas cobradas al destinatario. Aclara estas con tu institución financiera antes de enviar dinero. A veces, se puede cobrar una tarifa mínima por enviar dinero al extranjero de manera rápida y segura.

Al emplear estas estrategias, puedes asegurar que más de tu dinero llegue a su destino previsto, de manera eficiente y segura.

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Consideraciones Culturales y Prácticas al Enviar Dinero al Extranjero

‍Entender los aspectos culturales y prácticos de las transferencias de dinero internacionales es crucial para asegurar transacciones suaves y efectivas. Las prácticas financieras locales pueden variar ampliamente; por ejemplo, en algunas culturas, la banca es predominantemente un asunto cara a cara, lo que puede afectar la rapidez con la que se procesan las transacciones para transferencias bancarias internacionales. De manera similar, los días festivos nacionales y las horas bancarias pueden retrasar las transferencias, lo cual es vital recordar al momento de programar un envío. La comunicación efectiva con los destinatarios también es esencial. Asegurarse de que todas las partes tengan expectativas claras sobre el tiempo y el uso de los fondos puede ayudar a prevenir malentendidos. Además, los remitentes deben estar conscientes de las posibles barreras lingüísticas o desafíos burocráticos que podrían complicar el proceso de la transacción. Por ejemplo, en algunos países, los destinatarios podrían necesitar proporcionar documentación extensa para recibir fondos, o podría haber restricciones gubernamentales sobre las transferencias bancarias entrantes. Al estar consciente de estos factores, los remitentes pueden prepararse mejor a sí mismos y a sus destinatarios para una transferencia exitosa, minimizando retrasos y maximizando el impacto de los fondos enviados.

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Comun: banca segura con envíos al extranjero

Con tu cuenta recibes una app móvil y tarjeta de débito VISA¹

Sin comisiones por balances mínimos

Recibe tu sueldo hasta 2 días antes³

Manda dinero a tu país de manera segura

¡y mucho más!

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Conclusión

‍Navegar por las complejidades de las transferencias de dinero internacionales requiere una comprensión sólida de las diversas opciones disponibles y los factores específicos que influyen en cada transacción. Al seleccionar cuidadosamente el servicio de transferencia adecuado, entender los costos asociados y considerar las sutilezas culturales y prácticas del país de destino, individuos y empresas pueden enviar dinero de manera eficiente y segura a través de fronteras.Este artículo ha proporcionado una guía para ayudarte en cada paso del proceso, desde elegir un proveedor hasta confirmar la recepción de los fondos. Armado con este conocimiento, puedes gestionar con confianza tus transacciones financieras internacionales, asegurando que tu dinero no solo llegue a su destino de manera segura sino también de la manera más rentable posible. Ya sea que estés apoyando a familiares en el extranjero, pagando por servicios internacionales o gestionando inversiones globales y finanzas personales, el enfoque correcto para las transferencias de dinero internacionales puede marcar la diferencia.

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One of the greatest challenges faced by the immigrant community living in the United States is dealing with the nostalgia of being far from their home country and loved ones.

A father is one of the most important family members, as he ensures that nothing is missing at home—from daily meals to the unconditional love that lasts a lifetime. That’s why, despite the distance, celebrating Father’s Day is especially meaningful.

Since the date of this celebration varies between the U.S. and Latin America, we’ll explain when Father’s Day is celebrated in both regions, how it’s observed, and how to stay connected with those you love most.

The Meaning of Father’s Day for the Immigrant Community

The origin of Father’s Day dates back to the early 20th century, when Sonora Smart Dodd proposed honoring fathers in tribute to her widowed father who raised six children on his own. Since then, the United States has observed the third Sunday in June as the official date to celebrate fathers.

Gradually, the celebration spread within and beyond the country, reaching much of Latin America, where—alongside Mother’s Day—it’s a special occasion to strengthen family unity.

For the immigrant community, this day has become more emotional than usual. On one hand, there are many fathers in the U.S. who arrived seeking a better future for loved ones back home. On the other hand, there are children celebrating their fathers from afar, offering love and support across borders.

Some of the ways fathers and children stay in touch include sending remittances to their home country, exchanging messages, and making video calls to stay connected.

When Is Father’s Day Celebrated in the United States?

In the United States, Father’s Day is celebrated on the third Sunday of June—a day that has become a symbol of recognition for the dedication of fathers who provide for their families and offer unconditional love.

Do you know how the first Father’s Day began? The celebration was promoted by Sonora Smart Dodd, inspired by her father, a Civil War veteran who raised six children alone. The idea was well received and gradually became popular nationwide until President Richard Nixon made it an official holiday in 1972.

We explain what CashApp is and all its benefits.

Typical Father’s Day Traditions in the U.S.

For the immigrant community in the U.S., this day is an opportunity to thank fathers for their hard work and sacrifice over the years to support their families.

Some common ways this special day is celebrated include:

Family Gatherings

Families in the U.S. often spend the day together eating and drinking at home, listening to music, dancing, and sharing funny stories about their fathers.

Activities

Another option is to enjoy outdoor family activities such as organizing or attending a soccer game, having a picnic, or watching a movie together.

International Calls

One way to bring families together across borders is through international calls or video chats. Fortunately, there are now more ways than ever to bridge the distance through technology.

Father’s Day Dates in Latin America

In most of Latin America, the date of Father’s Day doesn’t vary much.

Countries That Celebrate on the Same Day as the U.S.

Country

Cultural Differences 

Mexico

Celebrated with traditional meals, school festivals, and greeting cards.

Colombia

Families host lunches accompanied by live music.

Peru

A day to honor the hard work of fathers.

Chile

Not an official holiday, but still celebrated with family meals.

Argentina

Originally celebrated on August 24, a date still observed in some provinces.

How to Celebrate Father’s Day from the United States

Distance is no reason to skip celebrating such an important occasion. Here are a few ways to show your dad you’re thinking of him even if you live in another country.

Send a Small Gift or a Symbolic Remittance.

More than a material item or money, sending a gift or remittance to your father is a way to show that he remains an important part of your life.

Make Family Video Calls or Virtual Gatherings.

This is the easiest way to stay in touch, not only on Father’s Day but also throughout the year. You can organize a group video call and invite family members to celebrate together.

Share Photos or Memories.

Photos are the best way to preserve special moments with loved ones. You can create a collage of meaningful pictures and share it with a heartfelt message.

Cook a Traditional Dish from Home.

Traditional food is one of the best ways to connect with your roots. Even if you’re far from your father, you can honor him by cooking his favorite dishes and remembering his presence.

With Común, Staying Close to Your Family Is Easier

In this article, we showed you when Father’s Day takes place in the U.S. and several Latin American countries, and offered ideas to celebrate from afar.

Your father is one of your strongest pillars of support. Likewise, Común is here to back you with the financial security you need.

Sending money to your father and other loved ones is something you should entrust only to a platform that understands the needs of immigrants in the United States.

Discover Común, the digital platform that allows you to send money from the U.S. to Latin America easily and with clear, fair fees. Best of all, you can open an account with a qualifying official ID from your home country.

At Común, we understand that love for your father transcends physical distance. With our financial tools, you can continue supporting your family with confidence—wherever you are.

Frequently Asked Questions (FAQ)

If you still have questions, take a look at the section below.

What Is Celebrated on June 17 in Mexico?

This is not an official holiday in Mexico, although it’s sometimes confused with Father’s Day celebrations in countries such as Guatemala or El Salvador.

When Is Father’s Day in Mexico in 2025?

This year, Father’s Day took place on Sunday, June 15.

How Can You Keep the Father’s Day Tradition Alive from Another Country?

You can choose to make video calls, send remittances or gifts, and express to your father how important he is in your life.

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The Social Security Number is one of the most important identifiers in the U.S.  It is required for seeking to access benefits such as access to employment, tax filing, and financial services, among others.

If you have newly arrived in the U.S., you likely have questions about how to handle certain procedures. Therefore, we will explain what the SSN is, what it is for, how to apply for it, how much it costs, and what the benefits are of having this identifier.

What is the Social Security Number (SSN)?

The Social Security Number (SSN) is a series of 9 digits issued by the Social Security Administration (SSA, or Administración del Seguro Social in Spanish). It is issued to citizens, permanent residents, and eligible temporary residents, in accordance with their immigration status.

Its main function is to serve as a unique identification number that allows the government to track specific data for each person, such as their income, financial information, and employment history. This makes it possible to determine, in each particular case, eligibility to access Social Security benefits such as retirement, disability, among others.

In addition to facilitating access to these benefits, the Social Security card serves as official identification for employment onboarding, driver’s licenses (in some states), and opening bank accounts.

How to obtain the Social Security Number in the United States?

An important point about the Social Security Number in the U.S. is that there are three different types:

• For citizens born in the United States 
• For citizens born abroad
• For non-citizens with lawful resident status

In the case of lawful permanent residents, it is necessary to obtain a Green Card or a visa with valid work authorization issued by the Department of Homeland Security (DHS), such as H-1B or L-1.

The process of obtaining the SSN varies depending on immigration characteristics. If you requested the SSN during your visa processing—through the “Application for Immigrant Visa and Alien Registration” form or the DS-260 electronic format, “Immigrant Visa Electronic Application”—DHS will contact the Social Security Administration directly to carry out the process.

Get your SSN in just 4 steps

If you did not request the SSN during your visa process, the first thing you should do is gather the following documentation:

• A valid passport with the Machine Readable Immigrant Visa (MRIV) or a Permanent Resident Card (Form I-551)
• Birth certificate

Once you have gathered the documentation, follow these steps:

1. Download and complete the SS-5 application
2. Go to an SSA office
3. Present the original documents
4. Wait 7 to 14 days to receive the Social Security card by mail

What to do if your SSN card is lost?

If your Social Security card is lost, it is important to take security measures immediately to avoid identity theft, fraud, or misuse of your personal data.

Report the theft or loss of this document to the police and then file a complaint with the Federal Trade Commission (FTC).

Afterwards, go to the Social Security Administration, complete the SS-5 form again, and bring the corresponding documents for replacement of the card.

Avoid carrying the card with you unless necessary and keep it in a safe place. Generally, you do not need to present your physical card but rather the number, which does not change even if you replace the card.

5 benefits of having an SSN

If you are still wondering what the SSN is for, you should know that this document provides multiple benefits of different kinds, such as the following:

1. Employment

For permanent residents, the greatest benefit of the SSN is that it grants work authorization, enables income tracking, as well as the payment of taxes and legal obligations. Presenting this document is an indispensable requirement during formal hiring processes in the United States.

2. Credit

The SSN is also typically required to apply for loans and credit from banks and financial institutions in the United States; in this way you can access assets such as real estate, a car, or other types of services.

3. Banking services

Accessing financial services is essential for immigrant workers in the United States, whether to receive wages or send money to their countries of origin. Generally, the SSN is a requirement to access a bank account and credit and debit cards, among other services.

4. Government benefits

There are other benefits available, such as unemployment insurance in the event of dismissal, and access to retirement and Medicare starting at age 65, for eligible permanent residents.

5. Taxes

The SSN functions as the taxpayer’s personal identification number, which makes it easier to file tax returns and report income and expenses. Another alternative for residents who do not have an SSN is the ITIN, issued by the Internal Revenue Service (IRS), which serves to fulfill tax obligations and grants other benefits.

In short, the Social Security Number—beyond being an administrative procedure—facilitates economic and social integration in the United States because it serves to track income and expenses and facilitates access to basic rights such as work, health, and banking, which are essential for integrating into society.

How much does it cost to get an SSN?

It is important to clarify that the Social Security card process does not involve any cost, whether you do it for the first time or as a replacement due to theft or loss.

Stay alert to potential fraud and avoid making payments to unauthorized third parties. If you have any doubts, go directly to your local Social Security office and report any suspicious activity.

Read more: Don’t miss our guide to investment basics for immigrants

Simplify your financial life upon arriving in the United States with Comun

As you can see, the SSN is highly relevant to establishing a stable life in the United States because it facilitates access to work, health services, and financial products that are essential for carrying out daily tasks such as payments and money transfers.

Comun is a financial platform designed to make life easier for immigrants in the United States by facilitating their integration into the financial system from day one.

• Open your account with an official ID from your country of origin
• Receive a Visa debit card and make purchases easily in physical stores and online
• Access a mobile application and manage your finances from the palm of your hand
• Send remittances to your home country for a fee starting at $2.99 USD, up to the applicable limits
• Forget about hidden fees and complicated processes
• Access support available in Spanish and English

With Comun, discover the most accessible way to manage your finances for everyday life in the United States.

Frequently Asked Questions

If you still have questions, consult our Frequently Asked Questions section.

What should I do if someone uses my SSN without permission?

Report immediately at IdentityTheft.gov and place a fraud alert.

How many times can I replace my SSN card?

Up to 3 times per year and a maximum of 10 times in your lifetime.

Is it mandatory to have an SSN to open an account with Comun?

Comun allows you to open an account with official ID from your country. 

Some of the best English classes to learn online as an immigrant in the U.S.

Although moving to the United States brings a number of benefits due to the wide range of job opportunities available, it also presents challenges, such as the language barrier, which can limit opportunities for many immigrants who have not had access to formal language education.

While it may seem like a difficult goal to achieve, speaking English can make many aspects of daily life easier — such as getting a job, going to school, or handling important paperwork.

Fortunately, technology allows more people to learn English for free and easily, through platforms and mobile apps that offer lessons from anywhere. Below, we’ll show you some of the best options for immigrants who live or plan to live in the United States to learn English.

5 Reliable Platforms to Learn English from Scratch

For many people, taking in-person English classes isn’t always the best option due to cost, schedules, and transportation challenges. If you face any of these obstacles, you should know about practical alternatives from educational institutions and online platforms — ideal for those who prefer a more academic or progressive learning path.

Below, we present 5 reliable alternatives for learning English online.

British Council

This is one of the most prestigious English teaching institutions worldwide. Its platform offers a variety of courses for beginner, intermediate, and advanced students, segmented by skills: listening comprehension, grammar, writing, and conversation.

It stands out as a very complete option since students can supplement lessons with various materials such as podcasts, videos, and exercises prepared by certified English teachers.

Coursera

Coursera is a platform that offers free English courses in collaboration with prestigious universities, maintaining an academic and professional focus.

This is an excellent option if you’re looking to improve your English to access better job opportunities or refine specific skills to sound more like a native speaker.

BBC Learning English

This platform focuses on teaching English through current content, such as international and cultural news. It’s an ideal alternative for students who want to improve listening comprehension and expand their vocabulary.

USA Learns

This is an official U.S. government platform. It is specifically designed for people who want to acquire basic language skills to handle real-life situations such as visiting the doctor, ordering food, or completing immigration paperwork.

Alison

Alison is another dynamic alternative that offers a variety of free courses across different levels and practical skills. Students can also focus on specific areas, such as business English or preparation for certifications like the TOEFL.

Platform

Type of Course

Level

Main Benefit

British Council 

Courses segmented by skills, general English.

From beginner to advanced.

Structured learning units with rich study materials.

Coursera

Academic and professional English.

From intermediate to advanced.

Courses focused on improving professional communication skills.

BBC Learning English

Everyday English.

From beginner to advanced.

Short lessons based on current topics.

USA Learns

Practical English.

Beginner.

Designed to equip students with the skills needed to communicate in everyday situations.

Alison

Business English and official certification preparation.

From beginner to advanced.

Offers the option to earn official digital certificates.

Mobile Applications to Learn English for Free

In addition to the options above, you can also explore other alternatives known for their flexibility in helping you learn English easily.

Mobile language-learning apps let users study anywhere, anytime, and serve as a fun complement to traditional courses.

Duolingo

Duolingo is the most famous and culturally influential app. It uses gamified lessons that unlock progressively as users acquire new skills. It’s ideal for building vocabulary.

Mondly

Mondly focuses on conversational practice and pronunciation using tools like voice recognition and artificial intelligence to interact with virtual characters.

Busuu

Busuu is one of the most comprehensive language-learning apps. In addition to structured lessons based on the Common European Framework, it allows students to interact with native speakers.

Memrise

Memrise focuses on improving listening comprehension and learning new vocabulary through videos of real-life situations presented by native English speakers.

HelloTalk

HelloTalk makes English practice easier by connecting people around the world interested in cultural and language exchange.

How to Choose the Right English Course for You

As you can see, there are many ways to learn and improve your English. Each has different approaches and benefits, so there’s no single “best option” — it depends on your level and specific needs.

Before deciding which online English course is best for you, consider these recommendations:

• Define your goals: be clear about why you want to learn or improve your English.

• Evaluate your current English level: whether you’re a beginner or already advanced.

• Compare platforms and apps: take time to find the one that best fits your needs.

• Review the course duration and format: make sure to organize your time so you can attend classes consistently and on schedule.

• Complement your study with conversation practice: it’s very important to engage with native speakers in real-life situations and different accents.

The most important factor in making language study effective is consistency, regardless of which platform you choose.

Practical Tips to Improve Your English Every Day

In addition to the classes on platforms or the interactive resources in apps, it’s important to incorporate strategies that help improve your confidence and fluency when communicating in English.

Here are some practical tips designed to make life easier for immigrants in the United States.

• Listen to English every day: whether on YouTube videos or movies. The goal isn’t to understand 100%, but to start getting used to the language.

• Practice with friends or coworkers: if you have people you trust, don’t hesitate to ask them for help.

• Apply what you’ve learned in your environment: mentally review your surroundings and try to name the things around you in English.

• Use technology to your advantage: rely on AI-powered tutors or platforms that offer automatic corrections.

Learning English and managing your finances with Comun are key steps to achieving your goals in the U.S.

In this article, we explained why learning English is important if you plan to live in the U.S., and showed you various platforms and apps designed to help you build essential language skills.

Fortunately, the immigrant community in the U.S. has allies dedicated to supporting them through their adaptation and growth in the country.

Discover Comun — the digital platform designed to meet the financial needs of immigrants.

At Comun, we believe every new learning step brings you closer to your dreams: learning English and organizing your money with Comun are steps toward achieving your goals in the United States.

Frequently Asked Questions (FAQ)

What is the best free online English course for beginners?

There are several English course options. If you have no prior knowledge, it’s recommended to start with British Council courses and complement with Duolingo.

How long does it take to learn basic English?

It depends on your consistency. If you dedicate even a small amount of time daily, you should notice improvement within three months.

What’s the best free method for adults to learn English?

There isn’t just one method to learn English. Try combining practice across different language skills using interactive platforms.

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Everything you need to know to renew your Mexican passport

Living far from your country carries a set of family, social, and legal responsibilities—from keeping up with loved ones to complying with immigration laws.

Mexican community  is  one of the largest in the United States,so it’s essential for immigrants living there to renew their passports to avoid potential issues that could affect their stability.

If you hold a Mexican passport and have recently discovered your Mexican passport is about to expire, this guide is for you! Below we explain, step by step, how to renew it from the United States and why keeping it valid matters.

Why keeping your Mexican passport valid matters

The passport is one of the most important official documents for anyone; it serves not only as identification but also as the document that allows you to enter and leave countries.

Why is it important to renew your passport?

• Avoid travel delays 

Before you buy a ticket or pack your bags, check the expiration date on your passport and your family’s. Remember that airlines generally require at least 6 months’ validity.

• Handle consular procedures 

A passport is essential for immigration procedures you may need in the U.S., such as visas and permanent residence processing.

• Serves as official ID 

A passport is one of the documents most often required to identify yourself and to complete important banking and legal procedures such as opening a bank account, getting a Social Security Number, or a driver’s license.

• Avoid legal issues 

An expired passport could cause problems with U.S. immigration authorities and, in turn, jeopardize your ability to remain in the country.

Who can renew their Mexican passport in the United States?

The following documents are basic requirements to obtain a new passport: 

• Previous passport, even if expired. 
• Mexican birth certificate.
• Valid official ID.
• CURP (Unique Population Registry Code).

However, the renewal process varies slightly depending on the applicant’s profile.

Adults (18 and over) 

Adults can complete the Mexican passport renewal process directly at a Mexican consulate in the U.S. 

In most cases you must book an appointment in advance via the MiConsulado portal.

Minors 

For minors, renewal involves a few additional steps. 

Additional documentation:

• School ID or proof of enrollment. 
• Proof of address for the parents. 

Both parents must attend the appointment and sign the authorization. If one cannot attend, a notarized authorization is required.

People with disabilities 

People with disabilities can also renew their Mexican passport under the following criteria. 

Additional documentation: 

• Medical certificate proving the disability.
• If the person cannot legally sign the authorization, parents or guardians must appear with identification proving their status. 

Note that some Mexican consulates offer priority services for these needs.

5 requirements and documents needed to renew your Mexican passport

Before booking a consular appointment, make sure you meet the requirements to renew your Mexican passport.

1. Previous passport 

• For minors, include the authorization signed by both parents. 
• In cases of theft or loss, a special declaration is required.
• Passports issued before 1995 may not be digitized in the Foreign Affairs Ministry database, so additional documentation may be required.

2. Certified birth certificate 

This is a basic document proving Mexican nationality. Make sure you obtain a certified copy issued by the Civil Registry.

3. CURP 

The Unique Population Registry Code (CURP) is essential to confirm personal data.

4. Required payment 

Note the latest update to Mexican passport government fees. 

Fees (validity — estimated consular fee): • 3 years — $99.00 • 6 years — $133.00 • 10 years — $203.00 

Passport validity

Consular fee in U.S. dollars

3 years

$99.00

6 years

$133.00

10 years

$203.00

You must pay the fee on the day of your appointment. Commonly accepted methods: cash, debit or credit card, and money order. You’ll generally receive your passport the same day, unless there’s an issue with the documentation or information must be verified.

5. Original identification 

You may present an INE card, driver’s license, High-Security Consular ID, or school IDs.

Renewal can only be done at authorized Mexican consulates. While you may book at any Mexican consulate in the U.S., some may have operational restrictions.

How to book your appointment and what to expect on renewal day

Step 1. Book the appointment 

Booking an appointment is essential to renew your passport. 

• Via the website citas.sre.gob.mx.
• Via WhatsApp at 1-424-309-0009.

Step 2. Prepare your documents 

Make sure you have all required documents. If you have children or care for a person with disabilities, remember you’ll need the additional documentation.

Step 3. Attend the appointment

Arrive on time and present your documents in order. Once processed, you’ll receive your passport.

Additional tips to renew your Mexican passport without setbacks

An expired passport could cause easily avoidable setbacks and difficulties. Below are some tips to help you keep your official documentation up to date.

• Check your passport’s validity in advance before planning trips: don’t forget to take the expiration date into account. Consider setting reminders on your phone 6 months before it expires.

• Make copies of all important documents: it’s essential to keep backups of your official documents. Also consider digitizing them for convenience.

• Use only the SRE’s official channels to book appointments; if you have questions, contact the SRE’s official channels only.

• Arrive early to your appointment and organize your documents in a folder: avoid day-of delays that could slow your process.

• Verify the payment method and fees before your appointment: if you’re not sure whether your preferred payment method is accepted at the consulate, ask directly before your appointment.

Común: the next step after renewing your passport

Throughout this article, we showed how and why renewing your Mexican passport matters to avoid issues with U.S. authorities and delays in your plans. We also explained the application process, requirements, and practical tips.

Just as a valid Mexican passport opens the door to international travel and access to official services, a checking account with Común opens the door to financial stability in the United States.

Why choose Común as your financial ally?

• Open your checking account at Común with your passport or another qualifying official ID from your country of origin.

• Mobile app available in Spanish, intuitive and secure.

• Remittance transfers to Mexico and Latin America in a simple way and with clear, competitive fees

Común is the platform that understands the needs of people living between two countries. Your passport connects with your own identity, and Común connects your money with your family across borders.

Open your checking account with Común today and start sending money from the U.S. easily, safely, and affordably!

Frequently Asked Questions (FAQ)

If you still have questions, see this section.

Can I pay for my Mexican passport renewal with a credit card at the consulate?

Yes, credit card is an accepted payment method.

How do I renew my Mexican passport if it was stolen or lost in the U.S.?

You must present a theft or loss report issued by the local police and complete the loss declaration form at the consulate.

What documents do I need to renew my Mexican passport in the United States if I am a minor?

Mexican birth certificate, official ID, official IDs for both parents or guardians, and their in-person presence at the consulate.

Do I need a specific immigration status to renew my Mexican passport in the U.S.?

The passport is a right of Mexican citizenship, and you do not need to have any specific U.S. immigration status.

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How to Send Packages from the United States to Mexico Without Complications

Being far from family and friends is one of the main challenges faced by immigrants living in the United States. Fortunately, sending mail is a way to maintain the bond with loved ones across borders.

In the United States there are several options for sending packages to Mexico. Below we explain the features of each service so you can choose the one that best fits your budget and needs.

Main Package Delivery Services from the United States to Mexico

There are two shipping options from the United States to Mexico: through USPS or private courier companies.

United States Postal Service (USPS)

These are the main United States Postal Service (USPS) shipping services and their characteristics. Please refer to their website for the most up-to-date information. 

Priority Mail Express

• Delivery prices: starting at approximately $59.50 for standard international services.

• Time: 3–5 business days.

• Main features: offers express international delivery service, full tracking and limited insurance for certain types of packages.

Priority Mail

• Delivery prices: starting at $30.90 for standard international shipments.

• Time: 6–10 business days.

• Main features: offers full tracking and moderate prices. Ideal for medium-sized packages that need to be delivered quickly.

First-Class Mail

• Delivery prices: starting at $14.05 for envelopes.

• Time: varies between 7 and 20 business days depending on customs processing.

• Main features: an economical service ideal for sending documents and envelopes. In many cases tracking is only available until the package leaves the United States.

Private Courier Companies

There are also private courier company alternatives that offer excellent service and additional shipping options. Please refer to each courier’s website for most up-to-date information.

FedEx

• Delivery prices: rates vary by package size, but they offer flat rates for packages up to 15 kilograms and an additional charge for extra weight.

• Time: 3–5 days for express service.

• Main features: international coverage with home delivery and includes customs paperwork.

UPS

• Delivery prices: variable rates depending on package size and weight.

• Time: 2–5 business days.

• Main features: online tools for quoting and tracking packages plus strong presence in the United States.

DHL

• Delivery prices: international shipments starting at $50.

• Time: 2–5 business days with express service.

• Main features: international presence, fast home-delivery service and online rate calculator.

Below is a comparison table to help you view the information more clearly.

Company

Type of Service

Estimated Cost

Average Time

USPS

Priority Mail Express

From $59.50

3–5 business days

USPS

Priority Mail

From $30.90

6–10 business days

USPS

First-Class Mail

From $14.05 for envelopes

7–20 business days

FedEx

International Express Service

Prices vary depending on size and weight

3–5 business days

UPS

International Express Service

Prices vary depending on size and weight

2–5 business days

DHL

International Express Service

Prices vary depending on size and weight

2–5 business days

Factors That Affect the Price and Delivery Time of Your Package

As seen in the previous section, it is impossible to precisely estimate the shipping cost and time for each courier service from the U.S. to Mexico. Several factors influence the final result, explained below.

Package Weight and Size

This is the main factor that affects the final cost of an international shipment — the heavier and bulkier the package, the higher the rate. Also check whether the company has a maximum shipping weight.

ZIP Code and Destination Location

The final destination also matters. Sending a package to Mexico City is usually cheaper than to a rural area.

Type of Service Selected

Express or priority shipping services are faster and therefore more expensive.

Peak Seasons and Holidays

If you ship during Christmas, New Year or high-demand dates, expect possible delays or extra costs.

What Do You Need to Send Packages from the United States to Mexico?

Before going to your preferred shipping carrier’s office, make sure all information is ready to avoid delays and ensure your package reaches your loved ones without issues.

Step 1. Check Customs Restrictions

Make sure your package does not contain restricted items for entry into Mexico, such as perishable food, flammable liquids or counterfeit goods. If unsure, check customs rules.

Step 2. Pack and Label Your Package Properly

Use a proper box or purchase one at the post office. If the contents are fragile, protect them well and place the label correctly when closing the box.

Step 3. Verify the Recipient’s Information and ZIP Code

Double-check as many times as needed that recipient details (name, ZIP code, neighborhood) are accurate. Even small errors can send a package to the wrong place.

Step 4. Keep Your Tracking Number and Shipping Receipt

Finally, keep the tracking number and receipt; they let you track the package and clarify any issues if needed.

Tips to Save Money and Time on Your International Shipments

We understand how important it is for immigrants to send packages to Mexico from the United States. More than a packaged product, it represents birthday gifts, greetings from afar, and fulfilled dreams for the people you love most.

That’s why it’s important to follow these tips when sending a package to Mexico.

• Compare prices before shipping: remember that some services offer a flat rate, but the final cost depends on weight and size.

• Avoid weekends or holidays: in addition to being more expensive, shipping may face delays.

• Take advantage of promotions or loyalty programs: stay attentive to promotions offered by postal companies.

• Group shipments whenever possible: try sending several items in the same shipment instead of one by one.

Send Packages to Mexico and Manage Your Finances with Común

Sending packages to your loved ones in Mexico is a way to show them they’re still important to you. That’s why planning your shipments—and your finances—is essential.

Get to know Común, the digital platform that helps immigrants manage their money in the most accessible way, as you can open an account using a qualifying official identification from your home country.

Just as your packages travel with care, Común supports your financial well-being.

Open your account with Común and stay connected with your loved ones through remittances.

Frequently Asked Questions (FAQ)

If you still have questions, check the following section.

How long does a shipment from the United States to Mexico take?

It depends on the courier company, but in general, an express service takes 3 to 5 business days.

How do I track my package?

When you send your package, you’ll receive a tracking number so you can follow it until it reaches its destination. Some courier options only provide tracking until it leaves the United States.

What is the most economical way to send a package to Mexico?

The USPS First-Class Package International Service is ideal for economical shipments, though the delivery time is usually longer.

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