Finding a path that gives you job opportunities in the United States can be hard work, especially if you’re unfamiliar with the different visa types offered by the U.S. government.

The H-1B visa is an option that could open the door to a new life in the U.S. In this guide, we explain what it is, what it’s for, who can apply, when it applies, and its benefits and limitations.

It’s essential to understand this visa’s features—as well as how it differs from other work visas—so you can ensure it fits your professional goals in the country.

With this information, you’ll be able to plan a strategy to obtain the visa and fully establish yourself in the United States.

What is the H-1B visa in the United States?

The H-1B visa is authorization granted to foreign workers to temporarily perform specialty occupations that generally require specialized knowledge and prior experience.

It is a nonimmigrant visa with an initial duration of 3 years and, in most cases, can be extended up to a maximum of 6 years.

There are exceptions, such as when the temporary worker is in the process of obtaining permanent residence, in which case the visa may be extended for a longer period.

4 main requirements to obtain the H-1B visa

Before starting the immigration process, you should know the H-1B requirements and verify that your background aligns with them to determine eligibility.

1. Minimum education level

To obtain an H-1B visa, you must have a higher education degree or its U.S. equivalent. The job offer must also be related to the specialty area of the degree presented.

2. Job offer from a U.S. employer

As with the EB-3 visa, the H-1B also requires a job offer from a U.S. employer, who must file Form I-129 with USCIS.

3. Common professions where it applies

Keep in mind that this visa is used for jobs requiring specialized knowledge, and openings most often arise in the following areas:

• Various branches of engineering.

• Information technology, such as programming, software development, etc.

• Sciences, such as chemistry, biology, and physics.

• Healthcare.

• Finance, economics, and accounting.

• Architecture, mathematics, and technical fields.

4. Annual visa cap and the lottery process.

Another key point is that this visa has an annual issuance cap, divided as follows:

• Regular H-1B: 65,000 per fiscal year.

• Advanced degree exemption: more than 20,000 for U.S. master’s and doctoral degrees.

Because filings often exceed these limits, USCIS established a selection system consisting of electronic registration and a random lottery.

The draw occurs in two phases: first the 65,000 regular slots are selected, and then 20,000 additional slots are drawn for U.S. advanced degree holders.

Between March and April, employers receive notification of the lottery results. If not selected, you may wait for a second round if quotas aren’t filled or, otherwise, apply the following year.

What is the H-1B application process?

Below is how the H-1B application process works.

1. Register in USCIS’s system

First, the U.S. employer must register the candidate on USCIS’s official site during the designated window, generally in March. The registration fee—listed on the same site—must also be paid.

If the candidate is selected, the employer receives a USCIS notice and can proceed to the next stage.

Note that before filing with USCIS, the employer must obtain a certified Labor Condition Application (LCA) from the Department of Labor (DOL).

2. Employer files the petition

After selection, the employer has 90 days to file Form I-129, Petition for a Nonimmigrant Worker, along with required documentation.

At this stage, it’s necessary to show the position is a specialty occupation and that the candidate meets the requirements.

3. USCIS review and approval

USCIS reviews the filing and, if needed, issues a Request for Evidence to seek additional information or clarification.

If everything is in order, the employer receives an approval notice, and the candidate proceeds with consular processing or a change-of-status request.

4. Consular processing or change of status

If the candidate is outside the U.S., they must attend a U.S. consulate, complete Form DS-160, and appear for a consular interview.

If the candidate is already in the U.S. under another status, the employer files the H-1B petition indicating the worker is in the United States.

In both cases, USCIS approval is required before visa issuance can proceed.

Benefits and limitations of the H-1B visa

H-1B holders enjoy several benefits that can improve their lives and those of their families; however, it’s also important to note the limitations.

Benefits

Lawful work in the United States

Although temporary, the H-1B allows you to work legally in the United States in your field of specialty. This can open many doors and strengthen your professional experience.

Potential path to permanent residence

H-1B workers may later pursue permanent residence (a Green Card) and extend benefits to immediate family members such as a spouse and unmarried children under 21.

Limitations

Maximum duration of 6 years

As noted, this visa does not automatically confer permanent residence; it lasts a maximum of 6 years. Still, it can be a first step toward it.

Employer dependency

This visa depends entirely on the employer extending the job offer and completing the filing process.

Annual cap

The visa is numerically capped, and filings typically exceed the annual cap, reducing the likelihood of selection.

To prevent these limits from becoming obstacles, consider planning ahead if you intend to pursue permanent residence. You can also evaluate other work visas, such as EB-2 and EB-3, which may be more suitable for long-term plans in the United States.

Take the next step on your immigration path with Común

Here we covered how to file for the H-1B visa, the requirements, benefits, limitations, and who it’s ideal for.

When you arrive in the United States, you’ll need an ally to help you manage your finances easily. Meet Común!

• Debit card for everyday purchases and payments.

• Fast money transfers to your home country.

• Secure payment options.

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

Frequently asked questions

How do I go from H-1B to a Green Card?

Your employer must sponsor permanent residence under an employment-based category, file PERM with the DOL, and then file Form I-140.

How long does the H-1B last?

A maximum of 6 years.

How much does an H-1B visa cost?

Form I-129: from $460 to $780.

An anti-fraud fee may apply.

Today, sending money to other countries has become a basic need for millions of immigrants living in the United States.

According to the IDFR ( International Day of Family Remittances) campaign in 2025, over the last decade, immigrants sent around 5 trillion dollars in remittances to their countries of origin, which are essential for food, housing, health, and other basic expenses.

To meet this need, there are applications such as Xoom, a PayPal service for transferring money using various payment methods and in a secure manner.

In this guide, we will review how to send money with Xoom step by step, its main features, and some alternatives to connect with your family outside the U.S.

What is Xoom, and is it safe to send money with this service?

Xoom is a digital transfer network owned by PayPal that operates entirely online and offers different sending options to facilitate transactions.

It has become one of the most popular options for making international digital money transfers, due to the backing provided by PayPal, which gives users a sense of security.

In addition to PayPal’s backing, Xoom has high security standards for transferring money, such as SSL encryption and the VeriSign seal.

Additionally, its services are available to send money from the United States to more than 70 countries, including Mexico, Guatemala, Honduras, Peru, among others.

7 detailed steps to send money with Xoom

To send money through Xoom, just follow the steps below.

Access Xoom (web or mobile application) and sign in or register

You can choose to log in via the website www.xoom.com or the mobile application. Once there, sign in or open an account with your email address. You can also use your PayPal account to access.

Select the destination country and the amount to send

Choose the country to which you want to send the transfer. Then you will see the sending options available for the selected destination.

Choose the sending method

Xoom offers the following payment methods:

• Bank deposit
• Cash pickup at physical locations, such as Oxxo or Elektra
• Mobile top-up
• Bill payment
• Cash delivery

Provide the recipient’s details

The information you must enter is:

• Full name, as it appears on their official ID
• Address
• Phone number
• Bank account (if applicable, depending on the sending method)

Select your payment method

Next, enter the amount you want to send and select the payment method, among which are:

• Linked bank account
• Debit card or credit card
• Available balance in your PayPal account

Review and confirm the transaction

Before confirming the transfer, Xoom will display the details so you can verify they are correct, along with the amount corresponding to fees, as well as the exchange rate used for the currency conversion.

Track your transfer with the tracking number

Obtain a tracking number and check the status of your transfer directly in Xoom’s application or website.

Key aspects to consider when using Xoom

Although Xoom is a popular alternative for making fast and secure transfers, it is important to consider several aspects before choosing this option.

Sending fees

Xoom’s sending fees are not fixed; they depend on the destination country, the amount to send, and the payment method.

Generally, the most expensive method is with a credit card and the least expensive is through an  account.

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Exchange rate

The exchange rate can be another drawback because, in addition to being calculated directly on Xoom’s platform, it varies depending on the selected transfer method.

Sending limits

Xoom imposes sending limits that depend on each account’s verification level. For unverified users residing in the U.S., the daily limit is $2,999 USD. By contrast, verified users can send up to $10,000 or $50,000 USD per day, depending on their verification level.

Receiving options

Xoom has different receiving options, but they may vary depending on the destination country.

In general, it is possible to send money for cash pickup at different payout locations, by bank deposit, top-up, or bill payment.

Security and reliability

Xoom is backed by PayPal, in addition to SSL/TLS encryption to protect your financial information and anti-fraud monitoring to ensure your money reaches its destination.

Delivery times

Generally, money transfers via debit card and cash are reflected within minutes. However, other sending methods, such as bank deposit, can take from 1 business day.

The total time will appear before you confirm your transaction in Xoom’s application or on its website.

Accessibility

Xoom is also available in Spanish and, overall, is easy for migrants in the United States to use.

Modern alternatives to sending money with Xoom: Why is Común a smart choice?

Sending money outside the U.S. is essential, as is having efficient international transfer services such as Xoom. However, there are also more innovative options that offer you greater advantages and lower costs so that your family and friends receive much more.

Común is an innovative and comprehensive financial service that meets the financial needs of users living in the United States, especially immigrants. Unlike Xoom, Común has a specialized focus and transparent fees.

With Común:

• Open your account with an official ID from your country; more than 100 identifications are accepted.
• After your first free transfer, pay a fee starting at $2.99 USD per transfer, up to the applicable limits.
• Access customer service in Spanish and English, available 24/7.
• Get a Visa debit card to make purchases at physical merchants.
• Manage your finances from Común’s mobile platform, where you can sync your external bank account and manage your finances from the Común platform.

Still unsure which option is most convenient for sending money? Discover Común and get to know the easy and safe side of finance.

Frequently asked questions

If you want to learn more, see our FAQ section

How do I send money from Mexico to the United States using Xoom?

It is not possible to send money from Mexico through Xoom, since it only allows transfers from the United States, Canada, and other European countries.

How long does it take for money to arrive via Xoom?

Depending on the sending method, it ranges from minutes to up to 3 business days.

Is it safe to use Común to send money to Latin America?

Yes, Común has the necessary security measures in place to keep your money and personal data safe.

Can I use Común even if I don’t have a PayPal account?

Yes, Común is an independent platform from PayPal, and you can open an account with official ID from your country.

Can I make cash deposits if I don’t have a bank account in the U.S.?

Yes, Común allows you to deposit cash at numerous locations near you.

For immigrants in the United States, finding a legal way to remain in the country indefinitely can be a long and confusing process. That’s why it’s important to know all the alternatives to help pave the way toward lawful permanent residence.

Getting a sponsor is a path that can help you regularize your immigration status in the United States. A sponsor is a person who assumes legal and financial responsibility for someone who is in the process of regularizing their documents in the country.

Below, we explain in detail what a sponsor is, the income table to sponsor a family member in 2025, and all the forms and documents needed to formalize this process.

What does it mean to be a sponsor in the United States?

In simple terms, a sponsor is a person who takes on legal and financial sponsorship of someone who is in the process of obtaining an immigrant visa or a Green Card.

It’s a measure by which the U.S. Government, through USCIS, ensures the sponsored person will not become a public charge, since sponsorship entails the sponsor’s financial and legal responsibility.

During this process, some terms can be confused and are worth clarifying—namely sponsor and petitioner.

• Petitioner: the person who files the initial application with USCIS.

• Sponsor: the person who provides financial and legal support for the immigrant. If the petitioner doesn’t meet the requirements, a joint sponsor can be added.

On the other hand, there are two relevant forms you should know during this process.

• Form I-864 (Affidavit of Support):

This form is generally used for permanent resident visas, employment-based visas, or family-based Green Cards for immediate relatives.

• Form I-134 (Declaration of Financial Support):

This form is required for temporary or nonimmigrant visas—for example, a tourist or fiancé(e) visa.

4 requirements to be a sponsor in the U.S.

These are the requirements your sponsor must meet to proceed:

• Be a U.S. citizen or lawful permanent resident.

• Be at least 18 years old.

• Live in the United States (have a domicile there).

• Meet the minimum income requirements.

Regarding income requirements, sponsors must meet the minimums set by the Department of Health and Human Services (HHS), which requires household income above 125% of the federal poverty guideline.

Household size includes the sponsor, their spouse, dependent children, and the sponsored immigrant.

Below is a comparative table with the minimum figures by household size.

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If the sponsor does not meet these minimum incomes, you can turn to a joint sponsor or a household member.

It’s also important to consider some special cases.

• Sponsors with TPS (Temporary Protected Status): cannot be sponsors because they are not permanent residents.

• Humanitarian parole: not eligible to be sponsors unless they obtain permanent residence.

• Armed Forces: U.S. citizens serving in the Armed Forces have more flexible income minimums to sponsor immediate relatives.

What are a sponsor’s responsibilities and how long do they last?

To formalize sponsorship, the sponsor must sign an affidavit committing to provide legal and financial support.

Sponsor’s legal obligations

By signing the affidavit of support, the sponsor commits to providing the financial resources necessary so the sponsored person does not become a public charge.

If the immigrant receives public assistance, such as Medicaid, the U.S. Government may require the sponsor to reimburse those funds.

Duration of sponsorship

Sponsorship has no fixed duration, but it can end when:

• The immigrant adjusts status and obtains permanent residence.

• The immigrant accrues 40 quarters of work and proves it to Social Security.

• The immigrant permanently leaves the country.

Cases where sponsorship does not end

In marriage-based sponsorship, divorce does not terminate the sponsor’s obligations. The same applies if the parties stop living in the same household.

5 documents and forms you need to be a sponsor

Finally, it’s essential to know the documents needed to formalize sponsorship and to assess your sponsor’s eligibility.

Form I-864 or I-134, as applicable

This form serves as an affidavit in which the sponsor commits to meeting their economic and legal obligations to the sponsored person.

There is no fee to file these forms. Unless filed from outside the U.S. through the National Visa Center, in which case Form I-864 costs $120.

Proof of citizenship or permanent residence

The sponsor must present documents proving U.S. citizenship or lawful permanent residence—for example, a passport, Green Card copy, or naturalization certificate.

Tax returns or proof of income

You must provide the most recent annual tax return (Form 1040) and proof of income.

Employer letter, if needed

An employer letter may also be required to confirm the sponsor’s position, salary, and length of employment.

Proof of U.S. domicile

The sponsor must show a U.S. domicile and residence there. Deeds or utility bills can serve as proof.

Organize your finances in the U.S. with Común

Throughout this article, we reviewed in detail what a sponsor is—a person who assumes legal and financial responsibility for an immigrant—as well as the minimum income table and required documents.

Even with a sponsor’s support, it’s important to continue legalizing your situation in the country and to obtain steady work and income.

To that end, it’s vital to manage money well and have fair financial services suited to you.

Discover all the benefits of Común, the financial platform created for immigrants!

• Open your account with qualifying official ID from your country of origin.

• Use the mobile app available in Spanish, transparent and easy to understand.

• Send remittances to LATAM countries with clear and competitive fees.

Open your Común account today and organize your personal finances with clarity and security.

Frequently Asked Questions (FAQ)

If you still have questions, consult our FAQs.

Can I be a sponsor if I don’t have sufficient income?

If your income does not reach 125% of the Poverty Guidelines, you can look for a joint sponsor who must meet the same requirements—per the Federal Poverty Guidelines published annually by the Department of Health and Human Services (HHS).

What happens if the immigrant receives public benefits?

The primary sponsor and joint sponsor are responsible for reimbursing the Government for any public assistance the sponsored immigrant receives.

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

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

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

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

5 Reliable Platforms to Learn English from Scratch

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

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

British Council

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

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

Coursera

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

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

BBC Learning English

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

USA Learns

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

Alison

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

Platform

Type of Course

Level

Main Benefit

British Council 

Courses segmented by skills, general English.

From beginner to advanced.

Structured learning units with rich study materials.

Coursera

Academic and professional English.

From intermediate to advanced.

Courses focused on improving professional communication skills.

BBC Learning English

Everyday English.

From beginner to advanced.

Short lessons based on current topics.

USA Learns

Practical English.

Beginner.

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

Alison

Business English and official certification preparation.

From beginner to advanced.

Offers the option to earn official digital certificates.

Mobile Applications to Learn English for Free

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

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

Duolingo

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

Mondly

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

Busuu

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

Memrise

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

HelloTalk

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

How to Choose the Right English Course for You

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

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

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

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

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

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

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

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

Practical Tips to Improve Your English Every Day

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

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

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

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

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

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

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

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

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

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

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

Frequently Asked Questions (FAQ)

What is the best free online English course for beginners?

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

How long does it take to learn basic English?

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

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

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

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Choosing the right remittance service provider for you

Every year, people all over the United States send remittances to support their family and friends back home. These transfers are more than just simple transactions, these are the economic lifeline for them. This is why choosing the right service provider for your remittances based on your needs is key to ensuring you and your loved ones have the support you need. 

What is a remittance? 

Simply put remittances are money transfers made by people who live and work in one country to family members, friends, or other beneficiaries who are residing in another country.

How do remittances work in the U.S.?

Sending a remittance from the U.S. follows a fairly standard process, these are the steps regardless of who is the remittance service provider:

1. Initiate the transfer
   The sender chooses a remittance service provider, then choose the payout method that is right for the recipient (such as: cash pickup, bank deposit, transfer, etc.), input the amount to send, and provides the recipient’s details.
   
   
2. Fund the transfer
   Transfers typically be funded via debit card, bank account, cash (in-store), or sometimes with credit card. Fees vary widely across different remittance providers.
   
   
3. Exchange rate
   This is where many senders lose money without realizing it. Some remittance providers convert USD to the recipient’s local currency using an exchange rate that may include a hidden markup over the mid-market rate. Some remittance service providers don’t charge commissions on the transfer as their business gains come strictly from exchange rates conversion. Understanding the exchange rate’s fees is also important when preparing to send remittances.
   
   
4. Settlement and payout
   The money is delivered to the receiver through a partner bank, local agent, cash pickup or digital wallet. Depending on the provider, this can take from minutes to  days.
   
   

The combination of fees + exchange rate markup is what ultimately determines the real cost of the remittances transfer. Many remittance providers advertise low fees when their business gains are achieved by offering a much weaker exchange rate, which results in reducing the amount your recipient actually receives. 

Types of Remittance service providers in the U.S.

The U.S. remittance service provider market is diverse, and providers generally fall into the following categories:

1. Cash-to-Cash Money Transfer Operators (MTOs)

These are the traditional remittance companies with physical locations for in-person payments and cash pickups.

Examples: MoneyGram, Western Union, Walmart (MoneyGram at Walmart).
Pros: Physical accessibility, ideal for people without bank accounts.
Cons: Often higher service fees, a slower process, and often has exchange-rate markups.

2. Traditional Banks and Credit Unions

Some financial institutions offer international wire transfers through SWIFT processes for remittance programs.

Pros:  Physical locations, direct bank-to-bank transfers.
Cons: Requires a bank account, usually the most expensive option (as SWIFT processes tend to have costly fees and exchange rates) and it could require longer processing times.

3. Digital-first Transfer Services

These companies operate entirely online or through mobile apps. They can be faster and more transparent.

Examples: Remitly, Felix, Comun, etc.
Pros: Convenience, speed, competitive fees, trackable transfers.
Cons: Limited cash pickup options in some regions.

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Key things to look out for when selecting a remittance service provider 

Choosing the right remittance service provider can have a significant impact on how much money actually reaches your loved ones. Between varying fees, differences in the exchange rate, documentation requirements, and the growing list of additional services, not all remittance providers offer the same services nor require the same things. Whether you send money home occasionally or on a weekly basis, it is important to choose a remittance provider that maximizes the value of what your loved ones receive. 
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1. Fees: What you pay up front (and what you don’t see)

Every remittance provider has some form of fees for providing their services, however not all fees are presented the same way (this is why it's important to fully understand the costs associated with your remittance). 

What types of fees can potentially exist? 

• Transfer fee: A flat or percentage-based amount charged per transaction. 
• Payment method fees: Extra charges for using a credit card instead of a bank account.
• Payout method fees: Some providers charge more for cash pick-ups vs. bank deposits.

What could be an unexpected fee?

• For example, exchange rates can differ: Often the exchange rate you find while doing an online search is not the same exchange rate that will be charged by your chosen remittance service provider.
  
  

What to look for?

• A tool or calculator showing the final amount the recipient gets before you make the transfer. 
• Transparent fee displays before you confirm the transaction. 
• Providers that consistently keep both transfer fees and FX markups low.
  
  

In many cases, the cheapest provider isn’t the one with the lowest visible fee. It could be the one offering the most competitive exchange rate or a fixed fee that makes sense with your transfer activity. The best service provider will always be one that serves the specific needs you have. 

 2. Exchange Rates: Why does the exchange rate could play a key role when selecting a remittance service provider? 

The exchange rate (or tipo de cambio) used by the provider determines how many pesos, quetzales, soles, or other currency your recipient will receive. When sending money abroad, senders can sometimes focus only on the visible fee (for example, a charge of $3.99 per transfer). But in many cases, the biggest cost can come in the exchange rate. If two companies offer the same fee but one has a weaker exchange rate, your family may receive less money.

For example: A difference of choosing an exchange rate with just 1 mexican peso less per USD could mean that the recipient would get $100 mexican pesos less on a $100 USD remittance. 

Understanding the real costs of your remittance  is essential to choosing the best remittance provider.

What questions can I ask myself before choosing the right remittances service provider?

• Do they use the mid-market exchange rate or do they add a margin?
• Is the rate fixed at the time you send the money? 
• Do they offer promotional rates only for first-time customers?

What could be something to look out for?

• A low fee paired with a weak exchange rate.
• Big differences between their advertised rate and the actual payout amount.
• Exchange rates that fluctuate during the transfer.
  
  

Even a small difference in the exchange rate can significantly reduce the final amount your family or friends receive if you send a lot.

3. Documentation and requirements: Keep it simple and secure

Each remittance provider must comply with U.S. financial regulations, but their onboarding requirements vary from service provider to service provider. 

What are some common documentation steps or documents needed?

• ID verification (e.g., driver’s license, passport, or state ID).
• Personal information such as date of birth and address.
• Recipient details (full name, destination country, payout method)
• In some cases, proof of funds or additional verification for large amounts

What to look for?

If a provider asks for excessive documentation or makes the process confusing, consider choosing one with smoother compliance systems. For example, some remittance services accept documentation without a United States passport when the sender can demonstrate residency in the United States. 

4. Speed and reliability: How fast does the money arrive?

While some people prioritize low cost, others prioritize speed. This is completely impacted by the recipient's needs back home. 

Transfer speeds vary by:

• Payment method (debit card vs. bank transfer vs. cash).
• Receiving method (bank deposit vs. mobile wallet vs. cash pickup)
• Provider’s infrastructure and local partnerships.
  
  

What can I focus on to ensure my transfer arrives quickly and safely? 

• Real-time delivery estimates offered by the service provider. 
• Clear differentiation between “instant,” “same-day,” and “next-day”. 
• A track record of reliability, not just advertised promises.

When urgency hits speed matters, but always make sure your money is safe. 

5. Security and trust: Your money must be safe

Choosing a remittance provider also requires confidence in the company’s ability to protect both your information and funds.

What are some key indicators of a trustworthy service provider?

• Licensing as a money transmitter in the U.S. For example, with Comun your funds in the Comun checking account are held at a FDIC insured partner bank.
• Secure encryption for payments.
• Fraud prevention tools and notifications.
• Positive customer reviews and transparent dispute resolution
  
  

To keep your money safe it is important to consider avoiding remittance providers with unclear credentials or repeated complaints about blocked transfers and delayed payouts.

6. Additional Services: Look beyond the transfer

A remittance provider is more than just a money-sending tool. Many now offer value-added features that can save you time or money. 

Common additional services

• Bill payments directly for utilities services overseas
• Mobile top-ups.
• Multi-language customer support. Like Comun that is available in Spanish.
• Transaction histories and downloadable receipts.
• Rate alerts to notify you when the exchange rate is favourable.
  
  

What to look for?

• Tools that simplify your overall financial support for your family and friends. 
• Support available that is adapted to your needs.
  
  

Extra services should add convenience not complexity. For example, at Comun you can either use your own debit card to fund the remittance, or open a Comun checking account if you don’t have a debit card.  

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Choose the right remittance service provider for your needs!

There’s no one-size-fits-all for a remittance service provider. Some people value speed, others care about the costs, while others need in-person services or cash pickup locations. To get the most out of your next transfer, focus on what matters to you whether it’s:

• Transparent fees.
• Competitive exchange rates.
• Simple documentation.
• Useful additional services.
• Strong security and customer support.
  
  

Taking a few minutes to compare the options with different service providers can make a significant difference in what your family and friends receive and how you optimize your finances according to your needs. 

Comun offers remittances services where you can either use your own debit card, or open a checking account with Comun if you don’t have a debit card. With Comun there are no annual nor monthly fees. Furthermore, Comun’s services are available in Spanish. Download our app or reach out if you’d like to learn more about Comun. 

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Immigration procedures in the United States are often exhausting and confusing because of the number of requirements and the associated wait times.

You don’t have to feel alone during these processes: you can rely on a recommendation letter, which gathers family, community, or workplace support from people who truly trust your integrity and are willing to offer genuine backing that could bear on USCIS’s final decision.

Below is a user-friendly, practical guide on how to write an immigration recommendation letter, what it should include, mistakes to avoid, sample letters, and tips to convey credibility and improve your chances in a visa or Green Card process.

What is an immigration recommendation letter and why it matters

A recommendation letter is a personal document that supports U.S. immigration processes and is valued by USCIS. It serves as testimonial evidence of the applicant’s moral character, work ethic, and community contribution.

This supporting letter may be requested to complement documentation for various proceedings:

Permanent residence

Applicants commonly must show “good moral character,” employment stability, and community ties.

Asylum cases

The letter helps reinforce the applicant’s credibility and show they have support in the United States as a contributing community member.

Work visas such as EB-2 NIW

Professionals or researchers often need a recommendation letter from expert peers to substantiate their track record and expertise.

Naturalization

Recommendation letters are not always requested, but they can support evidence of the applicant’s good conduct.

Don’t confuse this with an employment or academic letter; the purpose of an immigration recommendation letter is to attest to the applicant’s good behavior and moral character.

Who can write an immigration recommendation letter?

An immigration recommendation letter should be written by someone with a genuine, close relationship to the applicant who can attest to their positive impact—through family, social, or workplace ties.

These are the main profiles you can ask for a recommendation letter:

Family members

They can testify to the applicant’s role in the family and commitment to loved ones.

Close friends

A close friend can focus on qualities like loyalty, honesty, and trustworthiness to emphasize the applicant’s human side.

Employers or colleagues

They provide key testimony of the applicant’s work ethic and professional responsibility.

Community or religious leaders

These individuals can speak to the applicant’s community involvement and positive impact.

Keep in mind that what matters most is not the recommender’s title, but their sincerity and credibility in vouching for the applicant’s reputation.

Steps and structure for writing an immigration recommendation letter

Although an immigration recommendation letter focuses on the applicant’s ethics and moral character, it is still a document evaluated for order and formality by U.S. authorities.

For that reason, be sure to include the following details.

Header and formal salutation

Include the applicant’s full name, address, date, and a formal salutation to USCIS or the relevant authority.

Sender’s introduction

The sender should state their full name and then explain their relationship to the applicant, how long they’ve known them, and the letter’s purpose.

Body of the letter

This is the most important part and should reflect aspects such as:

• Values: honesty, responsibility, solidarity, etc.

• Community involvement: volunteering, neighborhood activities, or initiatives to address local issues.

• Work ethic: punctuality, discipline, professional attitude, commitment, responsibility, and the applicant’s achievements, etc.

Include concrete examples to reinforce credibility, such as: “Alicia Martínez is known in the community as someone who looks out for others’ well-being, like the times she has actively taken part in trash-collection programs and efforts to help homeless children.”

Closing and signature

The sender should reaffirm support for the applicant and be open to being contacted to clarify any point, so contact details are necessary.

At the end, they should include their name and handwritten signature.

Sample immigration recommendation letter

Below is a reference letter template to make drafting your document easier.

Sender’s full name

Address

Phone number

Email

Date

To the attention of U.S. Citizenship and Immigration Services (USCIS):

My name is [Sender’s name], and I have known [Applicant’s name] for [number of years] through our professional relationship at [describe job title and company]. I am honored to provide my testimony in support of their U.S. immigration process.

Over the time I have known them, I have observed qualities such as punctuality in reporting to work and professionalism toward both colleagues and clients.

I am confident that [the applicant] will be a valuable member of U.S. society because of their human values and professional capabilities.

I remain at your disposal and include my contact information in case any questions arise.

[Signature][Full name]

You can use this example as a base, but you should adapt it to the relationship between you and the recommender and add any additional information to convey authenticity and sincerity. Be sure to include the introduction, qualities, examples, and a formal closing.

Común, your financial ally in the United States

Here we’ve shown what an immigration support letter is and how to write one in Spanish, who can write it, its structure, and a practical example.

The main objective of a recommendation letter is to support you in U.S. immigration procedures; likewise, Común supports your financial life upon arrival in the country.

Discover the benefits of Común!

• Open your account easily with qualifying official ID from your country of origin.

• Mobile app in Spanish and English, designed for immigrants, with intuitive, transparent processes.

• Remittances to Latin America with clear, competitive fees, without complicated processes

Común is the financial service designed for immigrant communities in the United States. Open your account today and discover the ideal support for your finances!

Frequently Asked Questions (FAQ)

If you still have questions, see the section below:

How many recommendation letters do I need for immigration?

There is no specific number. A single well-written letter may be sufficient. For extraordinary-ability visas or National Interest Waivers (NIW), more than four may be required to support the applicant’s professional record.

What if I don’t have anyone to write my immigration letter?

You can ask an immigration attorney to prepare a statement explaining why no one is available to provide a letter.

Is it acceptable to submit a recommendation letter in Spanish?

Ideally, submit the letter in English or include a certified translation to avoid issues during the visa application.

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

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

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

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

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

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

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

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

What is WhatsApp Pay and how does it work?

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

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

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

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

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

How much does WhatsApp Pay charge for sending money?

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

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

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

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

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

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

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

1. Open the Común app on your phone.

Sign in to your account and navigate to the remittance section.

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

Select the option on your app.

3. Choose your recipient or add a new one.

Provide the required details for the person receiving the transfer.

4. Enter the transfer amount.

Review the amount you want to send.

5. Review the transfer details.

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

6. Confirm the transfer.

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

WhatsApp Pay vs. Común: a direct comparison

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

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

FAQ

Can I send money to Mexico using WhatsApp?

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

How does WhatsApp Pay work?

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

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

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

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

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

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

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

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

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

Común is a financial technology company and not a bank. Banking services are provided by Community Federal Savings Bank, Member FDIC. Peer-to-peer payments services are provided by Cross River Bank. No minimums, no maintenance fees. Remittance service provided by Service UniTeller, Inc. Remittance fees start at $2.99 but may vary. Común Inc. may earn revenue from the conversion of foreign currencies.

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Alien Registration Number or A-Number: Everything you need to know if you’re in the United States

Immigrants living in the United States should become familiar with several terms and procedures to ensure their long-term stay in the country.

One way to compile all the information related to your immigration process is through the A-Number or Alien Registration Number. This identifier is assigned by the Department of Homeland Security (DHS) to foreign nationals residing in the country.

It’s very important to know this information, as it serves as the identification number for your immigration file.

In this article, we’ll explain what the Alien Registration Number is, what it’s used for, and why it’s so important for immigration procedures.

What is the Alien Registration Number (A-Number) and what is it for?

The first step to identifying an A-Number is knowing that it always begins with the letter “A” and contains 8 or 9 digits.

The main function of this number is to allow USCIS and other agencies to quickly track immigration cases and applications related to each person.

Here are some examples of when the A-Number is used:

• To track your permanent residence (Green Card) application.

• When you apply for a work permit (EAD).

• If you apply for an adjustment of status, your A-Number will be used to link your case file.

Where can you find the Alien Registration Number, and who receives it?

To locate your A-Number, you can check several official documents issued by USCIS or DHS, such as:

• Green Card

• Employment Authorization Document (EAD)

• USCIS notices

• Immigration court orders

Do you know the difference between an ITIN and an SSN? This article explains everything you need to know.

How to identify the A-Number

Below we break down how the A-Number appears on various official documents.

Document

Location

Permanent Resident Card

On the front, next to “USCIS#” or “A#.”

Work Permit (EAD) 

On the front

USCIS Notices

In the upper corner or near the applicant’s name

Immigration court documents

At the top of the document.

This is a unique number assigned only to individuals with formal and permanent files in U.S. immigration agencies, such as:

• Permanent residents (Green Card holders).

• Refugees or asylees.

• Adjustment of status or work permit applicants.

• Individuals with open cases before immigration court.

On the other hand, temporary visitors such as tourists, students, or non-immigrant visa holders do not receive an A-Number since their cases do not require a permanent immigration file.

Do you already have an ITIN in the United States? This article explains all the benefits of this identifier.

Why is the Alien Registration Number important in immigration procedures?

The A-Number is a central identifier used in multiple immigration procedures needed to regularize your status in the country.

Here are the most common uses of the A-Number in immigration processes.

Tracking immigration cases (USCIS Case Status)

If you want to track the status of your pending applications, such as permanent residence, work permit, or adjustment of status, you need to enter your A-Number in the USCIS Case Status system.

This way, you can know exactly which stage your case is in and stay informed of updates to ensure your process stays on track.

Updating personal information

It’s essential to keep your immigration records updated. If you change your address, phone number, or legal name, your A-Number will help you update your information.

This helps ensure you receive official notifications and avoid delays in important procedures.

Avoiding mistakes in immigration processes

Since the A-Number functions as a unique identifier, it also helps avoid confusion between applicants with the same or similar names.

Be sure to use your A-Number correctly when filling out forms or official documents so that all your information stays under the same file and saves time when searching for a document or specific information.

In short, this number helps simplify the immigration process for immigrants and provides a sense of security and control during procedures that can often cause stress and uncertainty.

What to do if you don’t have or don’t remember your A-Number

If you don’t have an A-Number, remember that USCIS assigns one once you start an immigration process in the United States. If you already have one but can’t remember it, follow these tips to locate it.

• Check your official documents, such as your Green Card, work permit, or any forms submitted to USCIS.

• Log in to your USCIS online account and check the “manage your case” section.

• Call the USCIS Contact Center at 1-800-375-5283, explain that you can’t find your A-Number, and ask for assistance locating it.

Avoid using a fake A-Number, as this could cause problems with immigration authorities.

Organize your immigration life while managing your finances with Comun

As you can see, the A-Number is essential to staying organized during immigration procedures. It helps keep your documents together in one file, making them easier to locate and reducing the risk of delays caused by mistakes.

Another important aspect of immigrant life in the U.S. is having the right tools to keep personal finances organized.

Meet Comun, the platform designed to help immigrants manage their finances with ease.

Here are some of the benefits Comun offers:

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

• Send money to several countries with clear and competitive fees, up to the applicable limits.

• Access support in both Spanish and English.

Want to discover a truly fair and accessible financial service? Open your Comun account today!

Just as your A-Number helps you keep your immigration documents organized, Comun helps you maintain your financial stability in the United States.

Frequently Asked Questions (FAQ)

If you still have questions, check out our FAQ section.

What is the USCIS number? Is it the same as the A-Number?

The USCIS number appears on your permanent resident card or work permit. It’s actually the same identifier as your A-Number, which appears on these documents preceded by “USCIS#.”

What is the Alien Number?

The Alien Registration Number is the official name for the A-Number assigned by DHS or USCIS to individuals who are not U.S. citizens, allowing them to track their immigration process through a unique file.

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El impacto de la inflación en nuestro presupuesto alimentario no es una broma. El aumento en los precios de los alimentos nos hace buscar alternativas más económicas. Descubre cómo ahorrar en comida con estos 10 consejos para gastar menos en supermercados y restaurantes.

Establece un presupuesto para el supermercado:

1. Fija un límite para tus compras en el supermercado y busca ofertas antes de entrar a la tienda. Planifica tus comidas y snacks en función de los descuentos de la semana. Prueba las marcas genéricas para ahorrar aún más.

Ten cuidado con las tácticas de venta:

2. Evita las estrategias de marketing que te hacen gastar más. No compres cuando estés aburrido, cansado o hambriento. Mantén la concentración y sigue tu lista de compras.
   
   1. Estas son algunas de las tácticas agresivas que usan los supermercados:‍
      
      1. Compras mínimas para recibir descuento. Los supermercados anuncian un precio barato cuando compras una cantidad mínima de un producto. A veces son dos, o tres, o cinco. Muchas veces la tienda respeta el precio si compras por individual. Esto se soluciona en la caja.‍
      2. Anclaje. Esto ocurre cuando el precio de venta se coloca estratégicamente junto al precio regular, haciendo que sientas que estás obteniendo una ganga.‍
      3. Colocar compras impulsivas al final de cada pasillo y en la caja. Podrías agregar algo a tu carrito de compras que no necesitas.‍
      4. Líderes en pérdidas. Estos son artículos anunciados a precios muy bajos. Si bien podrías obtener una oferta en el artículo en venta, la intención es que entres a la tienda y compres más artículos a precios regulares.

Usa cupones:

3. Aprovecha las aplicaciones y extensiones de navegador para encontrar cupones y descuentos en tus compras, como Honey, Dosh o Ibotta.

Compra solo lo esencial a granel:

4. Compra en grandes cantidades solo los productos no perecederos y de uso regular, como papel higiénico o pañales.

Revisa las ofertas en las estanterías de descuento:

5. Busca productos con descuento en las secciones de carnes y vegetales, así como en las estanterías de ofertas de tu supermercado local.

Revisa tu despensa:

6. Antes de ir al supermercado, verifica qué tienes en casa y crea platos con esos ingredientes. Usa aplicaciones como Kiwilimon para encontrar recetas.

Utiliza aplicaciones para ahorrar en comida:

7. Apps como Too Good to Go te permiten comprar excedentes de alimentos a precios reducidos. Misfit Markets, Imperfect Foods y GrubMarket ofrecen alimentos con defectos estéticos o excedentes a precios más bajos.
   
   Evita aplicaciones para pedir comida a domicilio como Grubhub, Doordash, y Uber Eats ya que cobran muchas tarifas e inflan precios de platillos por traer a domicilio. 

Come fuera durante la hora del almuerzo o happy hour:

8. Aprovecha las ofertas y menús especiales en bares y restaurantes durante estas horas para ahorrar dinero.

Reduce la frecuencia de comer fuera:

9. Limita tus visitas a restaurantes y comida rápida, y enfócate en preparar comidas en casa. La planificación de comidas puede ayudarte a ahorrar y comer más saludable.

Espacia tus visitas al supermercado y elige una sola tienda:

10. Espera hasta haber consumido la mayoría de tus alimentos antes de ir al supermercado y elige una única tienda para evitar gastos adicionales de transporte.

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Recuerda que con Común, puedes tomar control completo de tus finanzas y manejar tu dinero desde tu app. Común te ofrece una cuenta de cheques con más de 57,000 cajeros alrededor de Estados Unidos. Sin costo alguno. Ahorrarte dinero, es lo nuestro.

Ahorrar en comida es posible siguiendo estos 10 consejos prácticos. Establecer un presupuesto, aprovechar las ofertas y reducir la frecuencia de comer fuera te ayudarán a gastar menos en supermercados y restaurantes sin sacrificar la calidad de tus alimentos. ¡Empieza a ahorrar hoy mismo!

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En el mundo financiero, la elección de una cuenta bancaria adecuada puede marcar una gran diferencia en tu vida económica. En este artículo, te guiaremos a través de los diferentes tipos de cuentas bancarias disponibles en Estados Unidos y te ayudaremos a elegir la mejor opción para tus necesidades.

¿Qué es una cuenta bancaria y por qué es importante?

Una cuenta bancaria es un tipo de producto financiero que actúa como acuerdo financiero entre un banco y un cliente, que permite al cliente depositar y retirar dinero. Además, ofrece servicios adicionales como la emisión de cheques, transferencias bancarias, pagos con tarjeta de débito, recibir depósitos directos, entre otros. La elección de la cuenta bancaria correcta es esencial para gestionar eficientemente tus finanzas y alcanzar tus metas económicas.

Diferentes tipos de cuentas bancarias

Existen varios tipos de cuentas bancarias, cada una con sus propias características, ventajas y desventajas. A continuación, exploraremos dos de las más comunes: las cuentas de ahorros y las cuentas corrientes:

Cuentas corrientes

Una cuenta corriente, también conocida como cuenta de cheques, es un tipo de cuenta bancaria que se utiliza principalmente para transacciones diarias. A diferencia de las cuentas de ahorros, las cuentas corrientes te permiten realizar un número ilimitado de depósitos y retiros, lo que las hace ideales para el manejo diario de tu dinero.

Las cuentas corrientes son ofrecidas por casi todos los bancos y cooperativas de crédito en Estados Unidos, y cada una tiene sus propias características y beneficios. Una de las principales ventajas de las cuentas corrientes es su flexibilidad. Puedes depositar y retirar dinero tantas veces como quieras, y también puedes realizar transacciones básicas como pagar facturas, emitir cheques y realizar compras con una tarjeta de débito. Además, muchas cuentas corrientes ofrecen servicios adicionales como la protección contra sobregiros, alertas de cuenta y acceso a la banca en línea y móvil.

Sin embargo, a diferencia de las cuentas de ahorros, las cuentas corrientes suelen tener tasas de interés más bajas o incluso nulas, lo que significa que tu dinero no crecerá con el tiempo. Además, algunas cuentas corrientes pueden tener cuotas mensuales de servicio, aunque a menudo puedes evitar estas cuotas si cumples con ciertos requisitos, como mantener un saldo mínimo o realizar un número específico de transacciones cada mes.

Por ejemplo, Chase Bank ofrece la cuenta Chase Total Checking y Citi Bank ofrece la cuenta Citi Basic Banking Package, que incluyen acceso a miles de cajeros automáticos, servicio de banca en línea y móvil. Sin embargo, como muchos de los otros bancos tradicionales, cobran una cuota mensual de servicio de entre $8 a 12 al menos que cumples con ciertos requisitos de balance promedio mensual o un monto mínimo depositado por medio de depósitos directos mensualmente. 

En contraste, Común, la banca online en Estados Unidos, ofrecemos una cuenta corriente o cuenta de cheques con cero costos ocultos. A diferencia de bancos tradicionales, la cuenta bancaria que ofrece Común requiere un depósito mínimo de $0, requiere $0 de cuotas mensuales, transacciones ilimitadas, y muchos beneficios más ideales.

En resumen, aunque las cuentas corrientes pueden no ser la mejor opción para ahorrar dinero, son una herramienta esencial para el manejo diario de tus finanzas. Al elegir una cuenta corriente, es importante considerar tus hábitos bancarios y buscar una cuenta que se adapte a tus necesidades.

Cuentas de ahorros

Una cuenta de ahorros es un tipo de cuenta bancaria que se ha diseñado específicamente para fomentar el hábito del ahorro entre los usuarios. Su principal objetivo es ayudarte a guardar dinero de manera segura mientras generas intereses sobre tu saldo.

Las cuentas de ahorros son ofrecidas por la mayoría de los bancos y cooperativas de crédito en Estados Unidos, y cada una tiene sus propias características y beneficios. Por ejemplo, el Bank of America ofrece la cuenta de ahorros Advantage Savings que incluye una tasa de interés competitiva y la posibilidad de evitar la cuota mensual de mantenimiento si cumples con ciertos requisitos. Por otro lado, Wells Fargo ofrece la cuenta Way2Save Savings, que facilita el ahorro al transferir automáticamente $1 de tu cuenta de cheques a tu cuenta de ahorros cada vez que realizas una transacción.

Una de las principales ventajas de las cuentas de ahorros es que tu dinero no solo está seguro, sino que también crece con el tiempo gracias a las tasas de interés. Estas tasas varían dependiendo del banco y del tipo de cuenta, pero en general, te permiten ganar un pequeño porcentaje de tu saldo total cada año. Además, las cuentas de ahorros están aseguradas por la Corporación Federal de Seguro de Depósitos (FDIC) hasta $250,000, lo que significa que tu dinero está protegido incluso si el banco quiebra.

Sin embargo, las cuentas de ahorros también tienen algunas limitaciones. Una de las más notables es la restricción en el número de ciertos tipos de transacciones que puedes realizar cada mes. Según la Regulación D de la Reserva Federal, solo puedes realizar hasta seis "transacciones convenientes" por mes, que incluyen transferencias y pagos electrónicos, débitos automáticos, cheques y pagos de tarjetas de débito. Si excedes este límite, el banco puede cobrarte una tarifa o convertir tu cuenta de ahorros en una cuenta corriente.

Además, aunque las cuentas de ahorros son una excelente manera de guardar dinero, no son la mejor opción si necesitas acceso frecuente a tus fondos. Para transacciones diarias y acceso fácil a tu dinero, una cuenta corriente podría ser más adecuada.

Cuentas bancarias especializadas

Además de las cuentas de ahorros y corrientes, existen otros tipos de cuentas bancarias diseñadas para necesidades específicas.

Cuentas de bajo riesgo y cuentas de segunda oportunidad

Las cuentas de bajo riesgo son cuentas bancarias que ofrecen servicios básicos a un costo mínimo, ideales para personas que buscan evitar cargos bancarios elevados. Por otro lado, las cuentas de segunda oportunidad están diseñadas para personas que han tenido problemas con sus cuentas bancarias en el pasado y buscan una nueva oportunidad para manejar sus finanzas.

Cuentas de nómina y cuentas de mercado monetario

Las cuentas de nómina son cuentas bancarias en las que tu empleador deposita directamente tu salario, mientras que las cuentas de mercado monetario son cuentas de ahorro con características de inversión que ofrecen tasas de interés competitivas a cambio de mantener un saldo mínimo más alto.

Cómo elegir la mejor cuenta bancaria para tus necesidades

La elección de la cuenta bancaria adecuada depende en gran medida de tus necesidades y objetivos financieros. Por ejemplo, si tu objetivo es ahorrar dinero, una cuenta de ahorros podría ser la mejor opción. Por otro lado, si necesitas realizar muchas transacciones diarias, una cuenta corriente podría ser más adecuada.

Factores a considerar al elegir una cuenta bancaria

Algunos factores a considerar al elegir una cuenta bancaria incluyen las tasas de interés, los cargos bancarios, los requisitos de saldo mínimo, los servicios y características adicionales, y la reputación del banco.

Cómo abrir una cuenta con Común:

Para abrir una cuenta en Estados Unidos, generalmente necesitarás proporcionar información personal, como tu nombre, dirección, fecha de nacimiento y número de Seguro Social. También es posible que debas proporcionar una identificación con foto emitida por el gobierno y hacer un depósito inicial.

En Común, los pasos y requisitos para abrir una cuenta son los siguientes:

1. Descarga la aplicación móvil en tu dispositivo Apple desde la App Store o en tu dispositivo Android desde la Play Store.
2. Abre la aplicación y Crea tu cuenta nueva; sigue las instrucciones y llena los campos de información personal.
3. En menos de 5 minutos habrás terminado el proceso de crear una cuenta y obtendrás un número de cuenta (account number), número de ruta (routing number) y podrás empezar a hacer uso de tu tarjeta de débito virtual inmediatamente.
4. Solicita tu tarjeta de débito y en menos de 2 semanas te llegará al correo.

Te recomendamos que al abrir tu cuenta con Común, le hagas tu primer depósito para empezar a utilizar tu tarjeta de débito. Puedes hacerlo de distintas formas:

1. Conecta tu cuenta PayPal, CashApp, y muchas más a tu cuenta Común y transfiérete dinero instantáneamente.
2. Deposita efectivo en uno de los miles de cajeros automáticos de la red Allpoint que puedes conseguir en cualquier Walgreens, CVS, Target, y muchos establecimientos más cerca de ti.
3. Transfiérete dinero desde tus otras cuentas bancarias utilizando tu número de cuenta y número de ruta de tu cuenta Común; ten en cuenta que este tipo de transacciones puede incurrir en costos por parte del banco desde el que realizas la transacción.

La importancia de elegir la cuenta bancaria adecuada

Elegir la cuenta bancaria adecuada es un paso crucial para manejar eficientemente tus finanzas. Esperamos que esta guía te haya ayudado a entender mejor los diferentes tipos de cuentas bancarias disponibles y a tomar una decisión informada. Recuerda, la mejor cuenta bancaria para ti es la que se adapta a tus necesidades y objetivos financieros.

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

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.

How many numbers does a Social Security Number have? Format, meaning, and difference from an ITIN

The Social Security number (SSN) has 9 digits and is written in the format of XXX-XX-XXXX (for example 123-45-6789). An SSN is used to track earnings for taxes and benefits, access Social Security benefits, and verify identity for many activities such as applying for jobs, banking, accessing credit, and obtaining government services. It's one of the most sensitive personal identifiers in the U.S. You can find this number on your Social Security card, tax documents, and certain official government records.

What does each part of the Social Security number mean?

Historically, the SSN had meaning in each section. It followed a structure where the first three digits (known as the area number) were originally linked to the location where the SSN was issued. This was followed by the middle two digits (the group number), which had an administrative purpose. The last four digits (the serial number) were unique identifiers.

However, since 2011, these numbers no longer reflect location or order and are assigned using a 'randomization' system. The last four digits are often used for partial identity verification by financial institutions such as banks or credit unions, credit card issuers, government agencies, and healthcare providers.

How do I know if my SSN is valid?

There's no public tool to fully verify an SSN. You can confirm that it follows the 9-digit format, but official verification is performed through the Social Security Administration.

What is the Social Security number used for?

The SSN is a primary tax and financial identification number in the U.S. It is used across employment, financial, and government systems. Key uses include:

• Employment & Taxes: Required by employers for payroll processing and reporting income to the government
• Access to Government Benefits: Used by the Social Security Administration (SSA) to track lifetime earnings and determine eligibility for benefits, including retirement, disability, and Medicare
• Financial Services: Banks and financial institutions may require an SSN to open accounts and report interest income
• Credit & Loans: Credit bureaus use it to track credit history, and lenders use it to access creditworthiness
• Identification: Used by certain government agencies, for example the Department of Motor Vehicles in some states and for background checks

SSN vs. ITIN: What's the difference?

If you are not eligible for a Social Security Number (SSN) but have a U.S. federal tax obligation, you may need to apply for an Individual Taxpayer Identification Number (ITIN). Even though they are both nine digit numbers, they serve different purposes. The SSN is a nine-digit identification number issued to U.S. citizens and certain individuals authorized to work in the U.S. to report wages, access benefits, and establish credit history. An ITIN, on the other hand, is a tax processing number issued by the Internal Revenue Service (IRS) to individuals who are not eligible for an SSN but need to file U.S. tax returns.

Here are some key points to keep in mind:

• The ITIN also has 9 digits and typically starts with the number 9, the format 9XX-XX-XXXX
• The SSN is issued by the Social Security Administration, while the ITIN is issued by the IRS
• An SSN is generally issued to individuals authorized to work in the U.S., while an ITIN is used by individuals who need to meet tax obligations but are not eligible for an SSN
• An ITIN does not, by itself, authorize employment in the U.S. Work eligibility depends on immigration status and applicable laws

Both SSNs and ITINs may be accepted by some financial institutions to open checking or savings accounts, subject to each institution's policies.

Can I open a bank account without a SSN?

Policies vary by financial institution, but it may be possible. It can be challenging for newly arrived immigrants to open a bank account without an SSN; however, some institutions offer alternatives.

For example, certain banks may allow in-person account opening using an ITIN. Some community-focused credit unions may accept either an SSN or an ITIN. Other providers, such as Común, may offer digital account opening with more than 100 Latin American IDs.

Results may vary. For a complete list of eligible IDs and application requirements, follow this link to Común's Help Center.

How can you protect your Social Security number?

Your SSN is highly sensitive information, and protecting it is important to reduce the risk of identity theft. Here are some general tips:

• Whenever possible, avoid carrying the physical card. Try to keep the document in a safe place at home
• Avoid sharing your SSN unless it is necessary and you trust the requesting party
• Monitor your financial accounts and credit reports regularly for unauthorized activity
• Contact the Federal Trade Commission (FTC) if you suspect your SSN has been compromised

As a newly arrived immigrant, dealing with documentation can feel overwhelming. However, the good news is that you don't necessarily need to wait for an SSN to begin addressing your banking needs in the United States. Común's app is available in Spanish. Visit comun.app to learn more about account requirements.

FAQ

Can a Social Security number be changed?

Generally no, except in some exceptional cases, as determined by the Social Security Administration.

Do children born in the U.S. automatically receive a Social Security Number (SSN)?

An SSN is not issued automatically, but can be requested when the birth is registered.

How many digits does an ITIN have?

An ITIN has 9 digits, and typically starts with the number 9.

Is it mandatory to have an SSN to live in the United States?

No, an SSN is not required for residency.

Can I use someone else's Social Security number?

No, it's illegal and can result in serious legal consequences.

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