Obtaining a Green Card or permanent residence is one of the most important steps a migrant can take in the United States, as it allows them to reside and work legally and access the same benefits as a U.S. citizen.

If you already have your permanent resident card in hand, congratulations! The next step is to stay alert to renewal, since it is crucial for maintaining your legal status and keeping the benefits it provides.

If you have had your green card for several years, it is even more important to be clear on the requirements, costs, and procedures needed to renew it and thus avoid any setbacks that could cause problems related to your immigration status.

In this article we provide an overview of the process, including key aspects such as how much it costs to renew permanent residence, the requirements, Green Card validity, and everything you need to know to comply on time and in proper form with U.S. immigration authorities.

What is the eligibility criterion?

The first thing to know is that there are two types of residence: permanent and conditional. These are the main differences:

• Permanent residence: this is Lawful Permanent Resident (LPR) status. Although the residence is permanent, the physical card does have a validity period, so it must be renewed at least 6 months before the expiration date. Although some residence permits do not show their validity explicitly, most are valid for 10 years.

• Conditional residence: this is a step prior to obtaining permanent residence, such as a period following a marriage between a foreign national and a U.S. citizen or lawful permanent resident. It is valid for 2 years and cannot be renewed.

These are the eligibility criteria for both types of residence.

Eligibility criterion for permanent residence

To obtain permanent resident status, your profile must fit one of the eligibility categories and meet the requirements set by USCIS (U.S. Citizenship and Immigration Services).

Family

It is divided into two subcategories:

• Immediate relatives of U.S. citizens: spouses and unmarried children under 21.

• Family preference category: unmarried children over 21 of citizens; spouses and children of permanent residents; married children of citizens; and siblings of citizens.

Employment

There are five employment-based residence categories:

• EB-1 visa: workers with extraordinary ability.

• EB-2 visa: accomplished professionals with an advanced degree and exceptional ability.

• EB-3 visa: skilled workers, professionals, and “other workers.”

• EB-4 visa: religious workers, U.S. government employees, members of the Armed Forces, among others.

• EB-5 visa: investors who allocate substantial funds to businesses that generate at least 10 jobs in the country.

Refugees and asylees

People who entered the United States through an asylum petition, and their family members, may apply for permanent residence after completing at least 1 year in the country.

Special immigrants

This category includes people who have been victims of abuse by U.S. citizens (VAWA visa) and minors who have been harmed and/or abandoned by their parents (SIJ visa).

Special categories

This category includes the Diversity Visa or Green Card Lottery, an annual drawing with up to 50,000 consular interview slots, as well as special provisions for Cuban citizens and other nationalities.

Eligibility criterion for conditional permanent residents

Conditional residence, in most cases, is valid for 2 years. Then it is necessary to file the petition to remove conditions within the 90 days prior to expiration.

• Conditional residence based on a marriage of less than 2 years at the time status is obtained.

• Conditional residence through investment under the EB-5 category.

What are the requirements to renew permanent residence?

Currently, there are three ways to complete the renewal process to obtain a new resident card.

File online

The easiest way is through the USCIS website, since you can do it anywhere and at any time of day. You only need to create an account, upload your documents, and track your status.

Paper filing

Another alternative is to mail Form I-90 to the USCIS office. It is advisable if you prefer handling physical documents, although processing time is usually longer.

In-person filing

You can also apply in person, though it is limited to exceptional cases such as humanitarian emergencies or technical issues. It is suitable if you urgently need USCIS guidance; otherwise, the recommended route is through the website.

Documents needed to renew a Green Card

These are the documents you must attach to your renewal application, regardless of the method you use.

• Form I-90 to apply for renewal of the Permanent Resident Card.

• Payment of the applicable fee, biometrics (if required), a copy of the expired card, or a theft/loss report.

How much does it cost to renew residence?

Most residents must pay a filing fee when applying to renew the card.

The current cost to file Form I-90 for Green Card renewal is:

• $415 USD if you file online.

• $465 USD if you file on paper.

In some cases, you may be required to provide biometrics (fingerprints, photo, and signature), but since 2024 there is no longer a separate fee.

What are the consequences of not renewing residence on time?

It is very important to complete the process in time to obtain a new permanent resident card. Although expiration of your card does not mean you will automatically lose permanent residence, you could face a number of issues with U.S. authorities, for example:

Difficulties renewing your driver’s license

In many states, a valid Green Card is required as proof of legal residence when issuing or renewing a driver’s license.

Losing access to certain benefits and services

Various public services and state and local programs may request a valid Green Card as proof of eligibility. Otherwise, they may request additional documents and delay processing.

It is also common for financial institutions to request valid proof of status when processing applications to open a bank account or obtain a credit card.

In such cases, you can present your Form I-90 receipt number or other identity documents, such as a valid passport and Social Security number.

Difficulties reentering the United States

If your Green Card expires while you are outside the U.S., you may have problems with the authorities upon reentry, because U.S. immigration laws require proof of status.

In this case, you will need to request a reentry permit via Form I-131 or an ADIT stamp in your passport.

If you plan to be outside the United States for an extended period, consider applying for a reentry permit even if your expiration date is not near. This will help you avoid problems or delays when reentering.

Not being able to prove you have valid authorization to work in the U.S.

To work legally in the United States, employers must present proof of eligibility along with Form I-9. When a Green Card expires, it is no longer considered valid proof.

In this case, you may present the Form I-90 receipt as temporary proof. If the employer does not accept it, you can contact USCIS directly or seek advice from an immigration attorney.

To avoid greater complications at work and in other aspects of your life, it is best to keep your Green Card expiration date top of mind and start the renewal process at least 6 months in advance.

Simplify your financial management with Común

As you can see, renewing the Permanent Resident Card is fundamental to maintaining legal status and the rights it provides. Therefore, it is essential to understand the requirements, costs, and procedures clearly so you can approach the process with greater confidence and efficiency.

Always remember to stay informed about available options, such as fee waivers, and to follow the established steps to ensure successful renewal of your Green Card.

Making the payments for your immigration process can be challenging if you don’t have the right financial tools. That’s what Común is for!

Común is a 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 with qualifying official identification from your country of origin.

It also offers remittance services to several countries, with competitive fees that help you save. Discover Común, an excellent option dedicated to serving immigrant communities in the United States, with support available in Spanish.

Haven’t tried Común yet? Open your account today and discover a reliable option to manage your money in the U.S. safely and efficiently.

Frequently Asked Questions

If you still have questions, consult our FAQs.

How much time do I have to renew my permanent resident card?

USCIS allows you to file Form I-90 up to 6 months before your Green Card’s expiration date.

How long does it take to renew a permanent resident card?

Renewal times vary widely depending on the service center, application volume, and whether there are errors to resolve. A routine renewal takes around 2 months; in cases of theft or loss, it can exceed 20 months. However, note that for most permanent residents the process tends to take between 7 and 11 months.

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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Complete Guide to Emigrating to the United States

Have you thought about alternatives to build a better future? You probably share the dream of thousands who long to emigrate to the U.S. in search of job and financial stability. Although the idea is tempting, it’s important to do it in an orderly and legal way to avoid issues with the U.S. government.

Beyond better job opportunities, people emigrate seeking education, family reunification, and safety.

The process to live legally in the U.S. can be overwhelming and confusing. This guide explains, step by step, how to emigrate to the United States to work, study, and reside.

Main Options to Emigrate to the United States

First, understand the different visa categories you can apply for to legally enter the U.S.—whether for work, family ties, or other categories.

These are the visa categories:

Employment

If your goal is to find job opportunities in the United States, you need to understand the work visa options.

• H-1B visa: for specialized professionals with a university degree or equivalent experience.

• H-2B visa: temporary non-agricultural workers.

• H-2A visa: temporary agricultural workers.

• TN visa: (NAFTA/USMCA) for Mexican and Canadian citizens in specific professions.

• EB-5 visa: for investors able to create at least 10 U.S. jobs. Also a pathway to permanent residence.

Family

Another path is the family-sponsored Green Card, which lets U.S. citizens and permanent residents help certain relatives obtain legal status.

U.S. citizens may petition for a spouse, unmarried or married children, parents, and siblings; permanent residents may petition for a spouse and unmarried children under 21.

Processing times vary but can be around 18 months. In general, the card is issued with a 10-year validity.

Visa Lottery

If you don’t fit employment or family categories, you can consider the Diversity Visa (DV Lottery), which grants 55,000 lawful permanent resident visas to nationals from countries with low U.S. immigration rates.

These are the requirements to apply:

• Be from an eligible country.

• Have a high school education and at least two years of experience in an occupation.

• Complete the online form during October–November.

Other options

Lastly, there are other alternatives for foreign nationals who don’t fit the categories above.

• Student visa (F-1 or M-1).

• Exchange visitor visa.

• Asylum or refugee status.

• Humanitarian parole or special programs.

Step-by-Step to Start Your Immigration Process

Below is the visa application process step by step.

Step 1. Research the most viable path for your profile.

First, analyze your goals in the U.S. and which visa category best fits your profile.

Step 2. Estimate process costs and initial cost of living in the U.S.

Immigrant visa costs vary by category. For example, in family sponsorship, Form I-130 or I-140 ranges from $535 to $700.

Check exact fees on the official U.S. Citizenship and Immigration Services website.

Step 3. Gather required documents (certificates, passports, diplomas, records, proof of income, etc.).

Each visa type requires specific documents; below is a general list of the most important items.

Valid passport.

• DS-160 (temporary visas) or DS-260 (immigrant visas).

• Proof of consular fee payment.

• Recent visa-style photo (2x2 inches).

• Job offer letter.

• USCIS employment authorization document.

• Academic certificates, diplomas, professional degrees.

• Proof of work experience.

• Proof of financial solvency or bank statements.

Step 4. If needed, improve your English before emigrating.

While the immigrant community is large, you’ll still need at least basic English to communicate.

Step 5. Check USCIS official sources to confirm current forms and fees.

Forms and fees vary by visa type. Always consult USCIS official information.

Also keep these practical tips in mind to avoid common mistakes.

• Avoid unlicensed consultants.

• Don’t make payments on unofficial sites. Make sure URLs end in .gov.

• Keep digital copies of all official documents for easy backup.

State Options for Emigrating to the U.S. and Costs to Consider

The next key step is choosing the state where you’ll arrive once you get your visa. This choice can directly impact your success due to the cost of living, job opportunities, and minimum wage.

Several states are attractive due to job variety, access to services, and support networks.

Here is a comparative table of some of the U.S. states for immigrants.

State

Average cost to rent a room

Average cost to rent a family home

State or federal minimum wage

Texas

$1,130

$1,400

Federal minimum wage $7.25 per hour

California

$2,600

$3,500

$14.00 per hour

Florida

$1,290

$2,000

$11.00 per hour

New York

$2,125

$2,300

$15.50 per hour

Illinois

$1,140

$1,300

$15.00 per hour

Arizona

$1,171

$1,400

Federal minimum wage $7.25 per hour

Helpful Tips for a Successful Transition

Emigrating requires financial, legal, and emotional preparation. These tips help you transition more smoothly.

• Once in the U.S., open a checking account to facilitate payments and salary deposits.

• Create an initial budget for the first 3–6 months.

• Line up temporary housing before traveling—family or friends if possible.

• Learn how the healthcare system and insurance work.

• Learn how credit history works and how to start building it.

Build Your New Financial Life in the U.S. with Común

You’re one step closer to starting a new life in the U.S. Once there, you’ll need a reliable service to manage your money.

Meet Común, the financial platform in the U.S.!

Open a checking account with qualifying ID from your home country and send money to Latin America with clear, competitive fees.

Open your Común checking account and take the first step toward financial stability in the U.S.

Frequently Asked Questions (FAQ)

If you still have questions, see the section below.

How much money do I need to emigrate to the United States?

Costs depend on the visa type—check USCIS’s official site. Also include travel, housing, and basic living expenses.

Which visas are faster to emigrate with?

The TN visa takes about 2–8 weeks; temporary work visas take around 3 months.

What happens if my application is denied?

You can request a review or appeal and make the necessary corrections. If not accepted, you may submit a new application.

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

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

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

What is the EB-3 visa and who qualifies?

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

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

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

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

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

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

Main EB-3 visa requirements

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

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

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

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

Benefits of meeting EB-3 visa requirements

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

• Job stability in the U.S.

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

• Pathway to lawful permanent residence.

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

• Opportunities for professional and personal growth.

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

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

Step 1. Determine eligibility

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

Step 2. Labor certification (PERM)

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

Step 3. File Form I-140

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

Step 4. Adjustment of status or consular processing

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

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

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

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

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

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

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

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

Frequently Asked Questions (FAQ)

If you still have questions, see this section.

How long does the EB-3 process take?

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

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

• Form I-140: $715

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

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

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

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

Do I need a job offer to apply?

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

The Global Impact of Mobile Money Transfer Apps

Money transfer apps have significantly altered the global remittance landscape, offering an accessible and efficient way for people to send money across borders. These apps have democratized financial services, especially in regions where traditional banking infrastructure is weak. By leveraging mobile technology, remittance services have become more inclusive, reaching remote and underserved communities.

Key Benefits

Accessibility: Money transfer apps are accessible to anyone with a smartphone and an internet connection, with no need for a physical bank.

Cost Efficiency: These apps often offer lower transaction fees compared to traditional remittance services, making it more affordable to send money internationally.

Speed: Transfers process almost instantly, reducing wait times for recipients.

Security: Advanced encryption methods and secure access provide robust protection against fraud and theft.

Impact of Mobile Money Apps on International Remittances

Mobile money apps have had a profound impact on international remittance flows. By simplifying the transfer process, these apps have increased the volume of remittances sent globally.

Accessibility and Financial Inclusion

One of mobile money apps' most significant contributions to international remittances is their role in promoting financial inclusion. Many remittance recipients in developing countries don't have access to traditional banking services. However, with the widespread adoption of mobile phones, even in remote areas, these people can now receive money directly into their mobile wallets. This not only eliminates the need for physical bank branches, but also provides a safe and convenient way for recipients to access their funds.

Reducing Transaction Costs

Another key impact of money apps on remittances is reducing transaction costs. Traditional remittance methods often involve high fees charged by banks and money transfer operators. These fees can eat into the funds sent, particularly for smaller amounts. Mobile money apps, on the other hand, generally offer lower fees, making it more affordable for migrants to send money to their families. By lowering the cost of remittances, these apps let migrants send larger amounts of money, increasing the total volume of remittances reaching recipient countries.

Speed and Convenience

Mobile money apps also offer unmatched speed and convenience compared to traditional remittance methods. Transactions can be initiated and completed in minutes, letting recipients access funds almost instantly. This is particularly beneficial in emergency situations, where quick access to funds can make a significant difference in a recipient's quality of life. Plus, the convenience of mobile money apps means migrants can send money anytime, from anywhere, without having to visit a physical location or work around bank or money transfer agent hours.

Empowering Recipients

Beyond the immediate financial benefits, mobile money apps empower recipients by giving them greater control over their finances. With funds deposited directly into their mobile wallets, recipients have the flexibility to use the money however they see fit, whether for daily expenses, savings, or investments. This financial autonomy can contribute to long-term economic stability and resilience, since recipients are better equipped to weather financial shocks and pursue opportunities for personal and economic growth.

More Stable Than Capital Flows

Remittances have proven to be more stable than other forms of financial inflows, like foreign direct investment (FDI) or portfolio investments.

Reasons for Stability

• Personal Nature: Remittances are usually sent for personal reasons, like supporting family members, making them less susceptible to economic fluctuations.
• Resilience: During economic downturns or crises, migrants often increase remittances to support their families, providing a steady flow of funds.

High Transaction Costs

Despite the advantages, high transaction costs remain a challenge in the remittance industry. Traditional services can charge fees ranging from 7% to 10% of the total amount sent, which is a significant burden for lower-income workers.

Efforts to Reduce Costs

• Regulatory Changes: Governments and international organizations are working to implement policies that reduce transaction fees.
• Technological Innovation: Advances in fintech, including blockchain and cryptocurrency, are helping reduce costs by cutting out intermediaries.

In short, the impact of mobile money apps on international remittances is multifaceted, spanning greater accessibility, lower transaction costs, increased speed and convenience, and recipient empowerment. As these apps continue to evolve and innovate, their role in facilitating cross-border transactions and promoting financial inclusion will likely become even more pronounced, further transforming the global remittance landscape for the better.

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What to Consider When Sending Remittances

Sending remittances through mobile money apps offers convenience and efficiency, but it's essential to consider several factors to ensure a smooth, cost-effective transaction.

1. Fees: Compare the fees charged by different money transfer apps to find the most affordable option. While some apps may offer low upfront fees, they may make up for it with less favorable exchange rates.
2. Exchange Rates: Exchange rates can vary significantly between different money transfer apps and fluctuate throughout the day. Look for apps that offer competitive exchange rates to maximize the amount the recipient receives.
3. Transfer Speed: Consider how quickly you need the money to reach the recipient. While many mobile money apps offer near-instant transfers in minutes, others may take longer, especially for transfers to remote areas or during periods of high transaction demand.
4. Security Features: Make sure the money transfer app you choose has robust security measures to protect your funds and personal information. Look for features like two-factor authentication, encryption protocols, and fraud detection systems.
5. Accessibility: Consider the app's accessibility for both sender and recipient. Choose an app that's easy to use and available in the languages spoken by both parties. Verify that the recipient can easily access the transferred funds, whether through a mobile wallet, bank account, or cash pickup location.
6. Customer Support: Evaluate the customer support options provided by the money transfer app. Look for apps that offer responsive customer service channels, like phone support, live chat, or email.
7. Reviews and Reputation: Research the money transfer app's reputation by reading reviews from other users and independent review platforms. Pay attention to feedback on reliability, transaction speed, customer service, and overall user experience. Choose a reputable app with a track record of safe, efficient money transfers to minimize the risk of issues.
8. Regulatory Compliance: Make sure the money transfer app complies with relevant regulations and legal requirements in both the sender's and recipient's countries. Verify that the app follows anti-money laundering (AML) and know-your-customer (KYC) procedures to prevent illicit financial activity.

Sending the Money

Sending money through mobile apps is a straightforward process, but understanding the steps can help ensure a successful transaction.

Steps to Send Money

• Choose an App: Select a reliable money transfer app based on your needs.
• Set Up an Account: Sign up and verify your account with the necessary ID documents.
• Enter Transfer Details: Enter the recipient's information and the amount to send.
• Review and Confirm: Verify the details and confirm the transaction.
• Notification: Both sender and recipient typically receive notifications once the transfer is complete.

By carefully considering these factors when sending remittances through mobile money apps, you can ensure a smooth, cost-effective transfer experience while providing vital support to your loved ones across borders.

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In the mobile remittance landscape, Común stands out as an emerging player, particularly serving the needs of the immigrant community in the United States¹. Recognizing the challenges immigrants face in accessing reliable financial services and building wealth in the U.S., Común has positioned itself as a solutions-oriented platform aimed at lowering barriers to entry and accelerating integration with the digital economy.

Let's Start With the Problem:

Living in the United States as a foreigner presents numerous challenges, made worse by a financial system that often overlooks immigrant communities' needs. Reliable financial services are essential for building wealth, yet millions of immigrants find themselves excluded from mainstream banking and financial opportunities.

Barriers to Entry:

• Documents: Immigrants are often less likely to have Social Security numbers (SSNs), a common requirement for accessing financial services.
• Language: Many financial institutions lack Spanish-language services, creating a communication barrier for Spanish-speaking immigrant customers.
• Cost: Financial services aimed at immigrants often come with exploitative pricing, further widening the economic gap.

Addressing the Structural Opportunity Gap:

Común recognizes the structural opportunity gap facing the immigrant community and aims to address it through innovative solutions tailored to their needs.

Común's Solution:

• Your Documents: Común is one of the only platforms that lets users apply with more than 100 Latin American IDs, removing the barrier posed by not having an SSN.
• Your Language: Común provides 100% bilingual customer service, with native Spanish speakers available 24/7 via chat, email, or phone, ensuring effective communication and support.
• Your Neighborhood: Común offers a network of thousands of locations for cash deposits and withdrawals, making financial transactions convenient and accessible for users.

Facts About Global Migration

Understanding the dynamics of global migration is essential to grasping the complexities of remittances and their impact on world economies. Here are key facts that shed light on the intricate relationship between migration and remittances:

• Global Migration Trends: Migration patterns have shifted over the past decade, with significant movements of people across regions and continents driven by factors like economic opportunity, conflict, and climate change.
• Top Remittance-Receiving Countries: Some countries receive the largest remittance inflows, often coinciding with regions facing economic challenges or political instability. Countries like India, China, and Mexico are among the top global remittance recipients.
• Top Remittance-Sending Countries: On the other hand, there are countries where most remittances originate, reflecting diaspora efforts to support family members and contribute to development in their countries of origin. The United States, Saudi Arabia, and the United Arab Emirates are prominent remittance-sending countries.
• Economic Impact of Remittances: Remittances play a crucial role in recipient countries' economies, contributing to GDP growth, poverty reduction, and increased household income. In many developing countries, remittances make up a significant share of national income.
• Cost of Sending Remittances: Despite their economic importance, sending remittances can be costly for migrants, with fees charged by money transfer operators and banks often eating into the funds sent. Efforts to reduce remittance costs are underway, aimed at maximizing benefits for senders and recipients.
• Remittance Growth Over Time: Global remittance volumes have been steadily increasing over the years, reflecting the growing number of migrants and the expansion of remittance corridors. This growth underscores the importance of remittances as a lifeline for millions of families worldwide.
• Migrant Contributions to Host Economies: Migrants don't just send money back to their home countries — they also contribute to their host countries' economies through labor participation, entrepreneurship, and consumer spending. Their contributions enrich cultural diversity and drive innovation and economic growth.
• Impact of Technology on Remittances: Technological advances, including the rise of mobile money apps and blockchain technology, have revolutionized the remittance industry, making transfers faster, cheaper, and more accessible. These innovations have empowered both migrants and recipients, letting them bypass traditional banking systems and intermediaries.
• Future Projections: Projections indicate continued growth in global migration and remittance flows, driven by demographic shifts, economic disparities, and geopolitical developments. Understanding these trends is essential for policymakers, financial institutions, and stakeholders to shape policies and initiatives that harness the positive impact of remittances while addressing challenges and barriers to access.

By recognizing the importance of migration and remittances, we can work toward building inclusive, sustainable financial systems that benefit individuals, families, and communities around the world.

Conclusion

In conclusion, money transfer apps have revolutionized global remittances, offering convenience, affordability, and accessibility. They close the gap between senders and recipients, empowering migrants and supporting families worldwide. As technology advances and regulations evolve, these apps will continue to shape the remittance landscape, fostering financial inclusion and economic growth. By embracing innovation and collaboration, we can harness the transformative power of mobile money apps to create a more equitable, prosperous global economy.

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Obtaining permanent residence is the goal of millions of immigrants in the United States. The EB-2 visa is one of the most feasible paths to achieve it, since it not only grants the applicant the right to work legally, but to do so within their area of professional expertise.

This type of visa is intended to facilitate immigration for people with advanced university degrees or demonstrable exceptional ability.

If you have a professional career and several years of experience, you may qualify to obtain a Green Card through the EB-2 visa and gain strong job opportunities and stability in the U.S.

Below we explain the requirements to obtain the EB-2 visa, the differences between eligibility categories, and the step-by-step process to secure the pathway that could completely change your working life.

Learn more about the EB-2 visa and why it matters

There are several categories of work visas that can lead to a Green Card. One of them is the EB-2.

There are two routes to obtain this visa:

• With an employer sponsor:

Requires a U.S. employer to file through a process called PERM Labor Certification, which demonstrates the need for a foreign worker due to an insufficient number of qualified U.S. workers.

• With a National Interest Waiver (EB-2 NIW):

Employer involvement is not required; it can be filed as a self-petition showing the work has significant impact or is in the national interest of the United States.

This visa is aimed at professionals with advanced degrees in various fields or with exceptional ability.

The main advantages of the EB-2 over other visas are:

• It puts you on a path to permanent residence.

• It does not rely on capped lotteries.

• It allows you to advance professionally with greater freedom and financial stability.

Differences among the main U.S. employment visas

Understanding immigration procedures and visa application processes can be confusing because of the different categories and specific requirements for each.

Below is a comparison table of the EB-2, EB-3, and EB-5 visas.

EB-2 | EB-3 | EB-5

Approximate processing time with sponsor: at least 12–18 months. With NIW the time may be somewhat shorter. | About 1 to 3 years. | EB-5 processing times vary widely; consult USCIS directly.

Who can apply? Professionals with an advanced degree or exceptional ability. Applicants with skills of national interest. | Skilled workers Professionals with a bachelor’s degree Other workers | Foreign investors who make a minimum investment in a U.S. business and create at least 10 jobs.

Purpose of the visa Obtain permanent residence based on professional merit. NIW allows self-petition. | Obtain permanent residence for skilled workers or professionals. | Obtain permanent residence in exchange for a significant financial investment.

Approximate costs Form I-140: $715 Form I-485 (adjustment of status): $1,440 Consular processing: $325. | Same as EB-2 | $1.8 million standard investment. $900,000 reduced investment if the project is in a TEA area. Form I-526 / I-526E: $11,160 + $100 if investing via a Regional Center.

Main requirements With sponsor: employer files PERM and then Form I-140NIW: show work of national interest. | PERM approved by DOL Employer must file Form I-140Meet additional requirements for other workers. | Proof of lawful, traceable investment in at least the minimum amount. Evidence of creation or preservation of at least 10 jobs. Enter as a conditional resident. File Form I-829 to remove conditions.

What are the requirements to obtain the EB-2 visa?

It’s important to stress that applicants must meet specific requirements to obtain the EB-2 visa in any of its modalities.

These are requirements you cannot overlook:

Requirements via advanced academic degree

Holding an advanced degree is the most common way to obtain an EB-2 visa.

• An advanced degree is considered a master’s, doctorate, or post-doctoral degree.

• A person with a bachelor’s degree may apply, as long as they can show at least 5 years of experience.

Requirements via exceptional ability

Another alternative is to demonstrate exceptional ability in fields such as the arts, sciences, business, or others.

This means reaching a level of expertise significantly above ordinary. It must be shown with at least 3 types of documentary evidence:

• Recognitions: achievements, distinctions, and awards received.

• Work record: employer letters and proof of years of work experience.

• Memberships: belonging to associations that require meeting professional standards and merits.

National Interest Waiver (NIW)

Allows applying without a sponsor or labor certification.

These are the 3 criteria for the EB-2 NIW, according to USCIS:

• The endeavor has substantial merit.

• It has national importance for the United States.

• The applicant is well positioned to advance it.

This visa is widely used by researchers, physicians, businesspeople, and entrepreneurs who can contribute significantly to U.S. society.

How to apply for the EB-2 visa

Below are the key steps to obtain the EB-2 visa.

Determine eligibility

First, determine which subcategory fits your profile—advanced degree, exceptional ability, or NIW. Assess your background and each category’s characteristics to decide where to apply.

File the initial petition

Generally, you will file Form I-140, which the employer or the applicant (in the case of NIW) uses to start the visa process.

Adjustment of status or consular processing

For adjustment of status, file Form I-485 if the applicant is in the U.S. Otherwise, proceed via consular processing with the DS-260.

Interview and final decision

USCIS or the consulate will likely require an interview to verify your information and ask questions related to your profile. Once approved, the applicant ultimately obtains lawful permanent residence.

Once in the United States, open your account with Común

In this article, we reviewed what the EB-2 visa is, the requirements to apply, the sponsorship or NIW options, and the key steps in the process.

Although it may seem confusing or endless, it is also a step toward living and working legally in the U.S. and obtaining a residence card.

To start from scratch in a new country, you need allies who understand you.

Común is the financial platform built for immigrants newly arriving in the U.S. who want to manage their money safely. Send money from the United States to Latin America with clear, affordable fees. Your family can receive it directly in bank accounts or pick it up at selected physical locations.

Opening your account is very easy! The mobile app is available in Spanish and English. Comun accepts over 100 qualifying foreign government IDs, and was designed with you in mind.

Frequently Asked Questions (FAQ)

If you still have questions, see this section:

Can I include my family in the application?

If your petition is approved, you can include your spouse and unmarried children under 21.

How much does it cost to apply for the EB-2?

• I-140 (Immigrant Petition): $715.

• I-485: $1,440.

• USCIS Immigrant Fee (for Green Card issuance): $235.

What if my visa is denied?

You can file an appeal or start a new application.

The 100 Questions about American Citizenship in Spanish

Reaching the point where you're preparing for the citizenship exam is already a major milestone. It reflects time, effort, and a commitment to building your future in the United States.

In this guide, you'll find the 100 civic questions for the U.S. Citizenship exam provided by the U.S. Citizenship and Immigration Services (USCIS), the government agency that reviews and processes citizenship applications. These are the questions from the civics test, translated into Spanish with their answers and organized by category aimed to support you while you prepare. The exam is administered by USCIS and is oral, not written. You'll be asked up to 10 questions out of the 100.

How does the US citizenship test work?

The U.S. citizenship exam generally consists of two parts, an English test and a civics test. Understanding how each one of them works could make the process feel more manageable. The English evaluation is conducted through an interview, in which an officer evaluates your English language skills through simple speaking, reading, and writing exercises. In the civics portion, the officer asks up to 10 questions out of a list of 100. They are about U.S. history, government, geography and holidays. To pass the test you must answer at least 6 of them correctly. It is important to consider that this entire part of the exam is oral.

If you do not pass a section the first time, you will usually have a second opportunity to retake the failed portion within 60 to 90 days. To start the application for citizenship, you must submit a form called Form N-400, which is the official application for naturalization, and as of 2026, the filing cost is $760, however, fees are subject to change.

Who can take the exam in Spanish?

If you are 65 or older and have been a permanent resident for at least 20 years, you may qualify to take the civics test in Spanish. This special rule, provided by USCIS, is designed to make the process more accessible for long-term residents. In this case, you do not need to study all 100 questions, you only need to study 20 of the 100 questions. In our list we will mark them with an asterisk (*). It is recommended to always consult and review the specific requirements of your own case with the corresponding authorities.

The 100 Official Citizenship Civics Test Questions (with answers in Spanish)

Here you will find the 100 official questions that USCIS may ask you during your citizenship exam, along with their answers in Spanish. However, keep in mind that the actual interview is conducted in English, unless you qualify for an exemption.

Part A: The American government (questions 1-57)

Principles of American Democracy (1–12)

1. What is the supreme law of the land?

• the Constitution

2. What does the Constitution do?

• sets up the government
• defines the government
• protects basic rights of Americans

3. The idea of self-government is in the first three words of the Constitution. What are these words?

• We the People

4. What is an amendment?

• a change (to the Constitution)
• an addition (to the Constitution)

5. What do we call the first ten amendments to the Constitution?

• the Bill of Rights

6. What is one right or freedom from the First Amendment?*

• speech
• religion
• assembly
• press
• petition the government

7. How many amendments does the Constitution have?

• twenty-seven (27)

8. What did the Declaration of Independence do?

• announced our independence (from Great Britain)
• declared our independence (from Great Britain)
• said that the United States is free (from Great Britain)

9. What are two rights in the Declaration of Independence?

• life
• liberty
• pursuit of happiness

10. What is freedom of religion?

• You can practice any religion, or not practice a religion.

11. What is the economic system in the United States?*

• capitalist economy
• market economy

12. What is the "rule of law"?

• Everyone must follow the law.
• Leaders must obey the law.
• Government must obey the law.
• No one is above the law.

System of Government (13–47)

13. Name one branch or part of the government.*

• Congress
• legislative
• President
• executive
• the courts
• judicial

14. What stops one branch of government from becoming too powerful?

• checks and balances
• separation of powers

15. Who is in charge of the executive branch?

• the President

16. Who makes federal laws?

• Congress
• Senate and House (of Representatives)
• (U.S. or national) legislature

17. What are the two parts of the U.S. Congress?*

• the Senate and House (of Representatives)

18. How many U.S. Senators are there?

• one hundred (100)

19. We elect a U.S. Senator for how many years?

• six (6)

20. Who is one of your state's U.S. Senators now?*

• Answers will vary.
• [District of Columbia residents and residents of U.S. territories should answer that D.C. (or the territory where the applicant lives) has no U.S. Senators.]

21. The House of Representatives has how many voting members?

• four hundred thirty-five (435)

22. We elect a U.S. Representative for how many years?

• two (2)

23. Name your U.S. Representative.

• Answers will vary.
• [Residents of territories with nonvoting Delegates or Resident Commissioners may provide the name of that Delegate or Commissioner. Also acceptable is any statement that the territory has no (voting) Representatives in Congress.]

24. Who does a U.S. Senator represent?

• all people of the state

25. Why do some states have more Representatives than other states?

• (because of) the state's population
• (because) they have more people
• (because) some states have more people

26. We elect a President for how many years?

• four (4)

27. In what month do we vote for President?*

• November

28. What is the name of the President of the United States now?*

• Visit uscis.gov/citizenship/testupdates for the name of the President of the United States.

29. What is the name of the Vice President of the United States now?

• Visit uscis.gov/citizenship/testupdates for the name of the Vice President of the United States.

30. If the President can no longer serve, who becomes President?

• the Vice President

31. If both the President and the Vice President can no longer serve, who becomes President?

• the Speaker of the House

32. Who is the Commander in Chief of the military?

• the President

33. Who signs bills to become laws?

• the President

34. Who vetoes bills?

• the President

35. What does the President's Cabinet do?

• advises the President

36. What are two Cabinet-level positions?

• Secretary of Agriculture
• Secretary of Commerce
• Secretary of Defense
• Secretary of Education
• Secretary of Energy
• Secretary of Health and Human Services
• Secretary of Homeland Security
• Secretary of Housing and Urban Development
• Secretary of the Interior
• Secretary of Labor
• Secretary of State
• Secretary of Transportation
• Secretary of the Treasury
• Secretary of Veterans Affairs
• Attorney General
• Vice President

37. What does the judicial branch do?

• reviews laws
• explains laws
• resolves disputes (disagreements)
• decides if a law goes against the Constitution

38. What is the highest court in the United States?

• the Supreme Court

39. How many justices are on the Supreme Court?

• Visit uscis.gov/citizenship/testupdates for the number of justices on the Supreme Court.

40. Who is the Chief Justice of the United States now?

• Visit uscis.gov/citizenship/testupdates for the name of the Chief Justice of the United States.

41. Under our Constitution, some powers belong to the federal government. What is one power of the federal government?

• to print money
• to declare war
• to create an army
• to make treaties

42. Under our Constitution, some powers belong to the states. What is one power of the states?

• provide schooling and education
• provide protection (police)
• provide safety (fire departments)
• give a driver's license
• approve zoning and land use

43. Who is the Governor of your state now?

• Answers will vary. [District of Columbia residents should answer that D.C. does not have a Governor.]

44. What is the capital of your state?*

• Answers will vary. [District of Columbia residents should answer that D.C. is not a state and does not have a capital. Residents of U.S. territories should name the capital of the territory.]

45. What are the two major political parties in the United States?*

• Democratic and Republican

46. What is the political party of the President now?

• Visit uscis.gov/citizenship/testupdates for the political party of the President.

47. What is the name of the Speaker of the House of Representatives now?

• Visit uscis.gov/citizenship/testupdates for the name of the Speaker of the House of Representatives.

Rights and responsibilities (48–57)

48. There are four amendments to the Constitution about who can vote. Describe one of them.

• Citizens eighteen (18) and older (can vote).
• You don't have to pay (a poll tax) to vote.
• Any citizen can vote. (Women and men can vote.)
• A male citizen of any race (can vote).

49. What is one responsibility that is only for United States citizens?*

• serve on a jury
• vote in a federal election

50. Name one right only for United States citizens.

• vote in a federal election
• run for federal office

51. What are two rights of everyone living in the United States?

• freedom of expression
• freedom of speech
• freedom of assembly
• freedom to petition the government
• freedom of religion
• the right to bear arms

52. What do we show loyalty to when we say the Pledge of Allegiance?

• the United States
• the flag

53. What is one promise you make when you become a United States citizen?

• give up loyalty to other countries
• defend the Constitution and laws of the United States
• obey the laws of the United States
• serve in the U.S. military (if needed)
• serve (do important work for) the nation (if needed)
• be loyal to the United States

54. How old do citizens have to be to vote for President?*

• eighteen (18) and older

55. What are two ways that Americans can participate in their democracy?

• vote
• join a political party
• help with a campaign
• join a civic group
• join a community group
• give an elected official your opinion on an issue
• call Senators and Representatives
• publicly support or oppose an issue or policy
• run for office
• write to a newspaper

56. When is the last day you can send in federal income tax forms?*

• April 15

57. When must all men register for the Selective Service?

• at age eighteen (18)
• between eighteen (18) and twenty-six (26)

Part B: American history (questions 58-87)

Colonial Period and Independence

58. What is one reason colonists came to America?

• freedom
• political liberty
• religious freedom
• economic opportunity
• practice their religion
• escape persecution

59. Who lived in America before the Europeans arrived?

• American Indians
• Native Americans

60. What group of people was taken to America and sold as slaves?

• Africans
• people from Africa

61. Why did the colonists fight the British?

• because of high taxes (taxation without representation)
• because the British army stayed in their houses (boarding, quartering)
• because they didn't have self-government

62. Who wrote the Declaration of Independence?

• (Thomas) Jefferson

63. When was the Declaration of Independence adopted?

• July 4, 1776

64. There were 13 original states. Name three.

• New Hampshire
• Massachusetts
• Rhode Island
• Connecticut
• New York
• New Jersey
• Pennsylvania
• Delaware
• Maryland
• Virginia
• North Carolina
• South Carolina
• Georgia

65. What happened at the Constitutional Convention?

• The Constitution was written.
• The Founding Fathers wrote the Constitution.

66. When was the Constitution written?

• 1787

67. The Federalist Papers supported the passage of the U.S. Constitution. Name one of the writers.

• (James) Madison
• (Alexander) Hamilton
• (John) Jay
• Publius

68. What is one thing Benjamin Franklin is famous for?

• U.S. diplomat
• oldest member of the Constitutional Convention
• first Postmaster General of the United States
• writer of "Poor Richard's Almanac"
• started the first free libraries

69. Who is the "Father of Our Country"?

• (George) Washington

70. Who was the first President?*

• (George) Washington

1800s

71. What territory did the United States buy from France in 1803?

• the Louisiana Territory
• Louisiana

72. Name one war fought by the United States in the 1800s.

• War of 1812
• Mexican-American War
• Civil War
• Spanish-American War

73. Name the U.S. war between the North and the South.

• the Civil War
• the War between the States

74. Name one problem that led to the Civil War.

• slavery
• economic reasons
• states' rights

75. What was one important thing that Abraham Lincoln did?*

• freed the slaves (Emancipation Proclamation)
• saved (or preserved) the Union
• led the United States during the Civil War

76. What did the Emancipation Proclamation do?

• freed the slaves
• freed slaves in the Confederacy
• freed slaves in the Confederate states
• freed slaves in most Southern states

77. What did Susan B. Anthony do?

• fought for women's rights
• fought for civil rights

Recent American History and Other Important Historical Information

78. Name one war fought by the United States in the 1900s.*

• World War I
• World War II
• Korean War
• Vietnam War
• (Persian) Gulf War

79. Who was President during World War I?

• (Woodrow) Wilson

80. Who was President during the Great Depression and World War II?

• (Franklin) Roosevelt

81. Who did the United States fight in World War II?

• Japan, Germany, and Italy

82. Before he was President, Eisenhower was a general. What war was he in?

• World War II

83. During the Cold War, what was the main concern of the United States?

• Communism

84. What movement tried to end racial discrimination?

• civil rights (movement)

85. What did Martin Luther King, Jr. do?*

• fought for civil rights
• worked for equality for all Americans

86. What major event happened on September 11, 2001, in the United States?

• Terrorists attacked the United States.

87. Name one American Indian tribe in the United States.

• [USCIS Officers will be supplied with a list of federally recognized American Indian tribes.]
• Cherokee
• Navajo
• Sioux
• Chippewa
• Choctaw
• Pueblo
• Apache
• Iroquois
• Creek
• Blackfeet
• Seminole
• Cheyenne
• Arawak
• Shawnee
• Mohegan
• Huron
• Oneida
• Lakota
• Crow
• Teton
• Hopi
• Inuit

Part C: Geography and civic integration (questions 88-100)

Geography

88. Name one of the two longest rivers in the United States.

• Missouri (River)
• Mississippi (River)

89. What ocean is on the West Coast of the United States?

• Pacific (Ocean)

90. What ocean is on the East Coast of the United States?

• Atlantic (Ocean)

91. Name one U.S. territory.

• Puerto Rico
• U.S. Virgin Islands
• American Samoa
• Northern Mariana Islands
• Guam

92. Name one state that borders Canada.

• Maine
• New Hampshire
• Vermont
• New York
• Pennsylvania
• Ohio
• Michigan
• Minnesota
• North Dakota
• Montana
• Idaho
• Washington
• Alaska

93. Name one state that borders Mexico.

• California
• Arizona
• New Mexico
• Texas

94. What is the capital of the United States?*

• Washington, D.C.

95. Where is the Statue of Liberty?*

• New York (Harbor)
• Liberty Island
• [Also acceptable are New Jersey, near New York City, and on the Hudson (River).]

Symbols

96. Why does the flag have 13 stripes?

• because there were 13 original colonies
• because the stripes represent the original colonies

97. Why does the flag have 50 stars?*

• because there is one star for each state
• because each star represents a state
• because there are 50 states

98. What is the name of the national anthem?

• The Star-Spangled Banner

Holidays

99. When do we celebrate Independence Day?*

• July 4

100. Name two national U.S. holidays.

• New Year's Day
• Martin Luther King, Jr. Day
• Presidents' Day
• Memorial Day
• Independence Day
• Labor Day
• Columbus Day
• Veterans Day
• Thanksgiving
• Christmas

Frequently Asked Questions about the Citizenship Exam

How many questions are asked on the citizenship exam?

During the civics portion, an officer from USCIS will ask up to 10 questions out of a list of 100. You need to answer at least 6 correctly to pass this part of the test.

Is the citizenship exam in English or Spanish?

The exam is conducted in English, including both the English and civics portions. However, applicants who qualify for the 65/20 exemption can take the civics test in Spanish. Make sure you verify if the exemption applies in your specific case with the corresponding authorities.

What happens if I don't pass the exam the first time?

If you fail either the English or civics section, you are given a second opportunity to retake the part you did not pass. This second interview typically takes place within 60 to 90 days.

How much does the citizenship exam cost in 2026?

The exam itself does not have a separate fee, but it is included in the naturalization application. As of 2026, the cost to file Form N-400 is $760, though it's always a good idea to verify updates directly with USCIS.

Do the citizenship exam questions change?

The list of questions is updated occasionally by USCIS. The current version is based on the reinstated 2008 civics test, which remains the standard as of 2026.

Can I study the citizenship questions in Spanish?

Yes, many applicants study the questions in Spanish to better understand the content. However, the actual exam is conducted in English unless you qualify for an exemption like the 65/20 rule.

5 Tips for Studying for and Passing Your Citizenship Exam

Preparing for the citizenship test doesn't have to feel overwhelming. Approaching it with a plan and consistency could be the key for a smoother experience. Here are some general tips we've enlisted for preparing for your citizenship exam:

Study by category, avoid trying to learn all of them at once.

Break the 100 questions into topics like history, government, and geography. This makes it easier to understand patterns instead of trying to memorize everything in one go.

Practice your answers out loud.

The exam is oral, so it's important to get comfortable saying your answers, not just recognizing them. This helps with confidence during the interview.

Start with questions that change.

Aim to focus first on answers that can vary, like the current president or your state's senators. Learning these early helps you avoid confusion later in the process.

Use flashcards and try to study with someone.

Flashcards are a great tool for repetition and reinforcing memory. If possible try practicing with a friend or family member to simulate the real experience of being asked questions.

Don't panic if you don't know everything.

You don't need a perfect score. You only need to answer 6 out of 10 questions correctly, so focus on being consistent, not perfect.

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Father's Day in the United States and Latin America

When is Father's Day? In the United States, Father's Day in 2026 falls on June 21, the third Sunday of June. However, if your dad lives in Mexico, Guatemala, Honduras, or other countries across Latin America, his day might land on a completely different date. This guide provides an overview of Father's Day dates across the United States and Latin America so you can plan ahead and stay connected with family members abroad.

One holiday, many dates

Father's Day is an important occasion for many families across the continent. Yet, not every country celebrates Father's Day on the same fixed dates. In the US and most of Latin America, it falls on the third Sunday of June. However, Honduras celebrates it on March 19, Guatemala and El Salvador on June 17, and the Dominican Republic on the last Sunday of July.

If your family is spread across countries, it's easy to lose track. Here's a full breakdown so you have everything in one place.

When is Father's Day in each Latin American country and the US? (2026)

You can save this table and share it with your family group chat!

When's Father's Day in the United States?

In the US, Father's Day is celebrated on the third Sunday of June. In 2026, that's June 21.

The tradition dates back to the early 1900s, when Sonora Smart Dodd advocated to recognize fathers after being raised by a single dad. Over time, it became a national celebration of fatherhood and family.

Today, Father's Day in the US is a major occasion. Families gather for backyard barbecues, attend church services, catch a game together, or simply spend time at home. Restaurants fill up for Sunday brunch. Gift cards, tools, grilling accessories, and heartfelt cards dominate store shelves the week before.

For many immigrant families in the US, Father's Day can also carry some emotional weight. Many fathers are in the U.S. working thousands of miles away from their own fathers back home, building a future for their children. On an occasion like this, distance can feel heavy and a phone call becomes more than a call. For many families sending money back home becomes more than a transaction.

Father's Day in Mexico

Mexico celebrates on the same date as the US, the third Sunday of June; in 2026, the holiday falls on June 21. While it is not an official public holiday, it is widely celebrated.

In Mexico, Father's Day traditions are rooted in family. Mothers and children often wake up early to prepare a special breakfast, from chilaquiles, tamales to whatever papá loves the most. Schools hold events in the days leading up to it, where children make gifts and perform songs. The whole family tends to gather for a long lunch or dinner, and it's common for the celebration to include music, toasts, and storytelling that lasts well into the evening.

If your father is in Mexico and you're in the US, June 21 in 2026 is your shared moment. A video call during the family meal means you're at the table even when you can't be.

Father's Day in Central America

Father's Day dates vary throughout Central America.

Guatemala and El Salvador both celebrate on June 17. This is rare as it is a fixed date not tied to a Sunday. Families tend to celebrate in two ways: a smaller, symbolic recognition on June 17 itself (calls, gifts, meals), and a larger gathering on the nearest weekend if needed.

Nicaragua celebrates on June 23, also a fixed date. This year, it falls just two days after the US date, but those two days are important if you're planning to make a call or even a money transfer.

Honduras is an exception in the region, as Father's Day there is celebrated on March 19, the feast day of Saint Joseph. This Catholic tradition, also observed in Spain, Bolivia, and parts of Europe, associates fatherhood with the figure of Joseph as a protector and provider. If your father is in Honduras, it's worth keeping in mind that his day comes in the spring, not the summer.

Father's Day in South America

Colombia, Venezuela, Peru, Chile, and Argentina all celebrate Father's Day on the third Sunday of June. In 2026 that would be on June 21. In Colombia, it is treated as a major family occasion, often centered around a long Sunday lunch with live music. Venezuela and Peru follow similar traditions of home gatherings and special meals. Children participate by preparing performances, arts and crafts.

Ecuador is a slight variation: the celebration occurs on the second Sunday of June, which in 2026 falls on June 14, one week earlier than the US.

Father's Day in the Caribbean

The Dominican Republic is an exception in the region, celebrating on the last Sunday of July, which falls on July 26 in 2026. If your dad is from the Dominican Republic, it's important to remember that his special day is a full month after most of Latin America.

Gift ideas when your father is in another country

Distance doesn't change Father's Day, but it does change how you can show up. Not being there in person can feel difficult and sometimes you can struggle to find ways to show that you care. That can also feel like pressure, but what you do carries more intention, and that intention is what matters.

• Call him, but plan it. Don't just dial and hope he's free. Coordinate with family members so that when you call, he is available. Some people even plan to call during the special celebration, as people are gathered, the meal is on the table and your face on the screen is part of the festivities
• Send a voice message or video. A fun video showing him some parts of your life in the U.S. — your family, your city. A voice message with a special message that he can replay. These might feel like small efforts but when it comes from the heart and distance is involved they matter the most
• A treat for the party. Sometimes paying for the whole meal on Father's Day or the live music or even the decorations can show that even if you're far you can still get involved. To make sure you can contribute you can always send a remittance to your family members who are organizing the celebration
• Send money with meaning. While sending a remittance on Father's Day might feel familiar if you're supporting your family, the reality is that the context changes it. Choosing to send money on that specific day signals attention and care. It shows that you're present while you give your father the freedom to spend on what he needs or wants the most
• Make it specific. A new pair of shoes, the gadget he's been talking about for weeks or tickets to something he enjoys. To make sure he can experience it, you can transfer the money directly to him or a family member if he loves a surprise

How to send money to your dad for Father's Day?

There are many service providers for remittances and international transfers, the choice is between how it will reach him and what it will cost you. The right option depends on your priorities whether that's speed, cost fees, and how your dad actually receives money where he lives.

Digital remittance services

Companies like Remitly, MoneyGram, Wise and Común are becoming a more common way for people in the U.S. to send money abroad.

They often offer:

• Fast delivery options. Many transfers generally arrive the same day or within minutes, especially with debit card payments
• Flexible deliveries. You can send it to a bank account, mobile wallet, or cash pickup depending on the country
• Easy to use services. Sending a remittance from your phone without having to go to a location. Some apps are even built specifically for sending money internationally. For example, Común's app is available in Spanish

What to be mindful of?

• Costs. The costs can either be presented with a fixed fee and/or a markup within the exchange rate. It is important to understand the costs of the selected services
• Rates change constantly. Exchange rates are often changing and it's important to be considerate of those changes
• Some might not offer cash pickup options. Remitly, MoneyGram and Común offer cash options that can change depending on the country where the money is sent. For example, Común offers cash options at Elektra and Oxxo in Mexico

Traditional bank transfers

This means sending a wire from your U.S. bank directly to your dad's bank account.

These transfers often offer:

• Familiar banking infrastructure. Banks are regulated and familiar to many people
• Higher transfer limits. They tend to offer higher limits for transfers than other digital services

What to be mindful of?

• Costs. Fees for sending and receiving, as well as exchange rates can be less competitive than other service providers
• Slower timing. Some transfers may take several business days
• Limited flexibility. No cash pickup or alternative delivery methods

Cash pickup transfers

You can send money in person or online for cash pickup through services like Western Union or MoneyGram.

These may be useful for recipients who:

• Prefer cash. This is useful if your dad prefers cash or doesn't have a bank account
• Fast availability. Often available within minutes
• Wide accessibility. Some companies have large networks with locations available in many countries

What to be mindful of?

• Costs. Fees and exchange rates tend to be less favorable
• Less transparent pricing. Harder to compare total cost upfront
• Location considerations. Cash pickups rely on the locations being open and having sufficient cash on site

What to prioritize for a Father's Day remittance?

• If timing is what matters the most. It could be worth considering a service with same-day delivery or cash pickup
• If cost matters most. It is advisable to compare options, especially fixed fees and exchange rate markup within exchange rates
• If convenience matters most. It might be more important to choose the option that requires less effort for your dad on his special day

Frequently Asked Questions

When is Father's Day in the United States in 2026?

June 21, 2026.

When is Father's Day in Mexico in 2026?

June 21, 2026.

When is Father's Day in Colombia in 2026?

June 21, 2026, same as the U.S.

When is Father's Day in Guatemala and El Salvador?

Both countries celebrate on June 17, a fixed date each year. In 2026, that's a Wednesday.

When is Father's Day in Honduras?

Honduras celebrates on March 19 each year.

Why does Father's Day fall on different dates in different countries?

Two main traditions shaped the holiday globally. The U.S. model, established in the early 20th century, set the third Sunday of June. Catholic countries in Europe and Latin America often tied the celebration to March 19, the day of Saint Joseph, considered the earthly father of Jesus and protector of fathers and workers. Countries adopted one tradition or the other, or in some cases chose their own fixed date entirely.

When is Father's Day in the Dominican Republic?

The last Sunday of July. In 2026, that's July 26.

When is Father's Day in Ecuador?

The second Sunday of June. In 2026, that falls on June 14.

Can I send money to my dad for Father's Day?

Yes. There are many financial institutions and remittance service providers in the US that offer many different options such as wires to cash pickups.

Will my remittance arrive to my father the same day?

It depends on how you send it, when you send it, and how your dad receives it. Same-day delivery is possible from the U.S., but it's not automatic. Check with your chosen service provider to understand the times and if there are fees for faster delivery.

Being there, even from far away

No matter where your dad is, Father's Day is about showing up in a way that reaches him. The date might change from country to country, and the way you celebrate might look different from what you grew up with, but the intention carries across borders. When you know when the day is, you can plan ahead, and support the celebration from wherever you are. If sending money is part of how you show up, Común offers different delivery options for remittances to México, Guatemala, Honduras, El Salvador, Nicaragua, Costa Rica, Panamá, Colombia, Ecuador, Perú, Chile, Brasil, Argentina, Bolivia, Uruguay, Paraguay, and Dominican Republic. Don't let distance get in the way of building long lasting memories with your loved ones.

Remittance service provided by Service UniTeller, Inc. Service UniTeller, Inc. is licensed in all states that require one. Común Inc. may earn revenue from foreign currency conversion.

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Linking payments in online banking lets you connect external accounts or cards to manage your finances in one place. With Común you can link an external debit card from another U.S. bank to send and receive payments.

What does it mean to link payments in online banking?

It's the process of connecting an external account or card to your financial app so you can move money between them or make payments directly.

How do I link an external card in Común?

From the app, add your external debit card (from a U.S. bank, in your name). Común verifies the card with a micro-deposit you confirm in the app.

What can I do once I've linked my external card?

Send and receive payments and remittances using that card, even if you don't have funds in your Común balance.

Frequently asked questions

What do I need to link an external card to my Común account?

A valid debit card, issued in the U.S., in your name.

How does Común verify the card is mine?

With a micro-deposit of less than $1.00 that you confirm in the app.

Can I link a credit card?

No, Común only accepts personal debit cards, not credit or prepaid cards.

How many cards can I link?

Up to 2 debit cards during your first 60 days with the account.

Why can't I link my card?

Common reasons include the name not matching, the card not allowing funds to move both ways, or it not being issued in the U.S.

Is it safe to link an external card?

Yes, Común never asks for your bank password during the verification process.

The cheapest states to rent in the United States in 2026

Based on recent rental market data, West Virginia continues to rank among the lowest-cost states for renters, with a 2025 Fair Market Rent of approximately $801 per month for a one-bedroom apartment. Arkansas and Mississippi also remain among the most affordable states to rent, with estimated one-bedroom Fair Market Rents of roughly $811 and $910 per month respectively. Other states frequently appearing among the cheapest states to rent include Oklahoma, Kansas, Iowa, Alabama, Indiana, Wyoming, and Ohio.

The national average asking rent for a one-bedroom apartment in the US sits at around $1,576 per month — a figure that can consume a significant share of the household's income. However, the average masks the variations across the country.

Why do rent prices vary so much by state?

Rent prices are not a single national market, they are thousands of local ones. The gap between the cheapest and most expensive states may be more than $1,600/month for a comparable unit. Several structural factors explain why a one-bedroom in Iowa can cost a fraction of what it does in California:

• Housing supply and construction pace. States with fewer building restrictions and lower land costs tend to have more available units, which keeps prices more accessible.
• Local economy and wages. Higher-income cities attract more renters competing for the same units, pushing prices up.
• Urban vs. rural mix. A state dominated by mid-sized cities will register lower averages than one anchored by major coastal cities.
• Regulatory environment. Zoning laws, permitting processes, and landlord-tenant regulations influence how fast housing supply can respond to demand.
• Climate and geography. Desirable coastal cities or warmer climates attract more people, which drives up rents over time.

The 10 cheapest states to rent in the U.S. in 2026

1. West Virginia — 1BR FMR: ~$801/month

West Virginia holds the lowest 1-bedroom Fair Market Rent of any state in the US at $801/month. The median rent statewide sits around $883/month across all unit types, with West Virginia apartments running roughly 41.6% less expensive than the national 2BR average. In 2024, 64.8% of leased homes in West Virginia rented for less than $1,000/month.

2. Arkansas — 1BR FMR: ~$811/month

Arkansas is consistently cited among the states with the lowest rent in the US. The 2025 HUD Fair Market Rent for a 1-bedroom is $811/month, and the state's apartments run roughly 41.4% less expensive than the national 2BR average. In 2024, 51.9% of leased homes in Arkansas rented for less than $1,000/month.

3. Mississippi — 1BR FMR: ~$910/month

The 2025 HUD Fair Market Rent for a 1-bedroom is $910/month, and some market-rate data places average 1BR asking rents lower, around $785–$825/month. In Jackson, the state capital, a 1-bedroom apartment may average around $785/month. The state has a notable Latino community in agricultural and food-processing hubs.

4. Oklahoma — 1BR avg: ~$850–$875/month

Oklahoma may offer some of the most affordable urban rent in the country. Oklahoma City's average 1BR rent sits around $875/month, ranking among the cheapest large cities to rent in the US. The state's housing index sits at approximately 67.9, meaning homes and rentals cost about 32% less than they do nationally.

5. Kansas — 1BR FMR: ~$885/month

Kansas delivers consistent affordability, with a 2025 HUD Fair Market Rent for a 1-bedroom at $885/month, roughly 35.6% below the national 2BR average. The median home price in Wichita, Kansas' largest city, was approximately $198,000 in Q1 2026.

6. Iowa — 1BR FMR: ~$839/month

The 2025 HUD Fair Market Rent for a 1-bedroom is $839/month, with Iowa apartments running 38.3% less expensive than the national 2BR average. Iowa households spend just 17% of their income on housing, the lowest share of any state in the country.

7. Alabama — 1BR FMR: ~$905/month

Alabama's apartments run roughly 36.4% less expensive than the national 2BR average. The 2025 HUD Fair Market Rent for a 1-bedroom is $905/month. The median home price of approximately $179,400 is among the lowest in the country. In 2024, 42.8% of leased homes in Alabama rented for less than $1,000/month.

8. Indiana — 1BR avg: ~$900–$950/month

Indiana sits comfortably in the affordable tier, with average 1BR rents well below $1,000/month in most markets. Indianapolis offers sub-$1,000 rents in a metro with a job market ranging from logistics, healthcare, technology, to life sciences. Indianapolis' growing Latino community has made the city an increasingly relevant destination for immigrant families relocating to the Midwest.

9. Wyoming — 1BR FMR: ~$836/month

Wyoming's sparse population keeps rental demand low and rents affordable. The 2025 HUD Fair Market Rent for a 1-bedroom is $836/month. In 2024, 50.2% of leased homes in Wyoming rented for less than $1,000/month. Wyoming has no state income tax.

10. Ohio — 1BR avg: ~$950–$1,000/month

Average 1BR rents hover near $950–$1,000/month while the state's cost of living runs roughly 8–9% below the national average. Ohio's combination of major metro accessibility and rental affordability makes it a compelling option.

Comparison table of the cheapest states to rent in the US (2026)

How to choose the right State for your budget and lifestyle?

Rent-to-income ratio, not just the rent number:

Some cheap-rent states also have lower wages. Mississippi, for example, ranks near the bottom for rent in dollars, but can rank near the top in terms of what percentage rent makes up of earned income.

Job availability in your field:

Employment opportunities can vary significantly from state to state. States such as Ohio, Indiana, and Alabama tend to have more diversified economies. For remote workers, lower-cost states may provide greater financial flexibility.

Community and support networks:

For immigrants and families relocating to a new area, access to established communities can make a major difference. Cities with growing Latino populations, bilingual services, and community organizations may help newcomers feel more connected.

Climate and weather risk:

States in the Midwest can experience colder winters and higher heating costs, while Southern states may bring higher air conditioning expenses. Some regions may also face increased risks related to hurricanes, tornadoes, or flooding.

Compare the total cost of living:

Rent is only one part of a household budget. Groceries, utilities, transportation, healthcare, childcare, and taxes can also vary significantly by state.

Manage your finances in any state with Común

Moving to a more affordable state may help reduce financial pressure, but managing your money efficiently remains important no matter where you live. Visit Común's website or download the app to learn more.

FAQ

What is the cheapest state to rent in the US in 2026?

Based on HUD Fair Market Rent data, West Virginia has the lowest 1BR FMR of any state at $801/month and the lowest median rent overall at approximately $883/month.

Which states have the lowest average rent for an apartment?

The states with the lowest average apartment rent in 2026 are West Virginia, Arkansas, Iowa, Wyoming, Mississippi, Oklahoma, Kansas, Alabama, and Indiana. Average 1-bedroom rents in these states range from approximately $785 to $950/month.

How much should I budget for rent in the US?

The commonly cited guideline is to spend no more than 30% of gross monthly income on rent. In the cheapest states, where 1BR rents may run $800–$900/month, the same guideline requires roughly $2,667–$3,000/month in gross income.

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

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

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

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

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

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

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

Transfer Speed

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

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

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

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

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Cost/Fees

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

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

Security and Reliability

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

Ease of Use

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

Receiving Options

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

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

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

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

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

3 Methods to Receive Money from the United States Without Complications

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

1. Receiving Money into Your Account

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

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

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

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

2. Receiving Money Through Comun

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

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

3. Receiving Money on Other Platforms

Wise

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

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

Western Union

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

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

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

MoneyGram

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

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

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

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

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

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

Frequently Asked Questions

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

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

What are the typical fees for receiving money?

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

Do I need a checking account to receive money?

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

Is it safe to receive money through digital platforms?

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

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A bank account is a financial account a customer holds at a bank. A bank account lets customers deposit and withdraw money, as well as write checks. That's why it's also called a checking account.

The advantages of having a bank account include:

• Easy access to your money — 24/7 banking access through the bank's website or app
• No need to carry cash
• The ability to earn interest on your deposits
• Building a credit history, which can matter when you want to apply for a loan in the future

How Do You Open a Bank Account?

Opening a bank account is relatively easy. You'll need to provide some personal information, like your name, date of birth, and address. You'll also be asked for ID — usually a Social Security Number (SSN) is enough. More modern banks, like Común, let you replace your SSN with a passport or consular ID. You may also be asked for documentation proving your address.

The Different Types of Bank Accounts Available

There are different bank accounts to choose from. The most common type is the checking account, which lets you deposit and withdraw money and write checks. A checking account is a great option if you want easy access to your money without carrying cash, since your account's debit card lets you pay at any business.

Another common type of bank account is the savings account. Savings accounts let you save money and earn interest on your deposits. It's a great option if you want to build up your savings over time.

There are also several specialized bank accounts, like accounts for students, seniors, and businesses. Be sure to research the different bank accounts available and choose the one that best fits your needs.

How to Manage a Checking Account Online

Many bank customers choose to manage their bank account online. You can do this through the bank's website or app. Managing your bank account online lets you access it 24 hours a day, 7 days a week.

Some things you can do online include:

• View your account balance and transaction history
• Transfer money between savings and checking accounts
• Pay bills
• Pay your credit card
• Deposit checks
• Set up banking alerts for specific events, like a low balance or a large deposit

What Does It Cost to Open a Bank Account in the United States?

Some accounts, like the one Común offers, come with no monthly fee and no minimum balance requirement. However, many banks do charge fees. These include some of the most popular banks in the United States: Bank of America, JPMorgan Chase, Citigroup, and Wells Fargo. Here are some of the fees they charge:

• Monthly service fee
• Minimum balance requirement
• Overdraft fee
• Check-cashing fee

Certain banks also limit Spanish-language support in their digital interfaces or customer service centers. Be sure to research the fees charged and the language support offered before opening an account with any bank.

FDIC Backing

The Federal Deposit Insurance Corporation (FDIC) is a government agency that insures consumer deposits at banks in its network. It's important to choose a bank with this backing, since you'll have up to $250,000 of your funds insured by the U.S. government if your bank fails.

The Benefits of Común

At Común, you'll find a checking account with no monthly fee and no minimum balance, in Spanish (from the mobile app to customer support), with the flexibility to apply using your passport, no matter your nationality. Opening an account is very easy, and you'll have 24/7 access, along with the ability to pay bills or deposit checks. Común is FDIC-insured, so your funds are protected up to $250,000 USD.

As with any financial service, be sure to research the different options available and choose the one that best fits your needs.

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