Financial Education
What is a certified check and how can you make sure it’s valid?
We explain how to issue a certified check, how it differs from a cashier’s check, how much it costs, and how to verify it has funds.
8 min read
18 Dec 2025
What is a certified check and how does it work?
Certified checks are a common form of payment for thousands of immigrants living in the United States, especially for major purchases such as rent payments, buying a car, and legal settlements.
However, it is not always clear why the certification process matters and how it differs from other types of checks.
A certified check is a physical payment order that has been reviewed in advance by a financial institution to ensure there are sufficient funds in the issuer’s bank account. This is the fundamental reason it’s considered a safer form of payment than a personal check.
Below, we explain in detail what a certified check is, how it works, and why it’s important to understand the differences from other types of checks.
What is a certified check?
A certified check is a type of check with guaranteed funds, since the issuing bank has verified the money exists in the checking or personal account.
This makes it a safer form of payment than personal checks, because the bank sets aside the amount to be paid so it can be collected by the payee.
How is a certified check issued?
Issuing a certified check is a straightforward process you can complete directly at the financial institution of your choice.
- The customer requests the check
The account holder must go to a bank and request a certified check, specifying the payee and the amount.
- Customer identification
You must present an official ID to verify that you are the holder of the savings or checking account from which the funds will be drawn.
- The bank freezes the amount in the account
The bank then certifies there are sufficient funds to cover the check and freezes them to ensure the payee can cash it.
- Signature certification
You must sign the check before finishing the process so the bank can confirm the signature matches the one on file.
Affixing the certification stamp
Finally, once the bank has verified the funds and the signature, it places a certification stamp to document completion of the process.
Differences between a certified check and a cashier’s check
A cashier’s check is another way to make secure payments using a physical instrument. In this case, the bank branch issues the check after receiving the customer’s payment, so the funds come from the bank itself.
Below is a comparison between a cashier’s check and a certified check.
Cashier’s check
Certified check
Security
High; the bank verifies sufficient funds and places a hold for the payee.
Very high; the check is backed by the bank and does not depend on the issuer’s account.
Cost
At some banks they have no cost at others up to approximately $15.
Depends on the bank; typically $10–$20.
Issuance time
At the branch, after funds are verified.
Immediate.
When is a certified check typically required?
A certified check is commonly used for significant transactions or large amounts. This gives the recipient assurance that funds are available.
- Paying an apartment security deposit.
When finalizing a lease or purchasing an apartment, the landlord or agent may request payment via certified check to guarantee funds.
- Buying a used car.
Whether dealing directly with owners or dealerships, a certified check can be a suitable option because of the security it provides.
- Closing an important contract or legal settlement.
For example, to pay fees, settlements, or indemnities, certified checks provide security for both parties.
- For tuition or school fees.
Some educational institutions accept certified checks as a form of payment, especially for international or first-time payments.
Do you know what to do if a check is stolen or lost? We explain it here!
Practical tips for using certified checks safely
While certified checks are among the safest payment methods due to the bank’s verification process, there are still fraud attempts using forged documents.
With this in mind, keep these tips in mind to avoid becoming a victim of check fraud.
How to know if a check has funds and avoid scams
- Verify with the issuing bank.
Call the bank directly and provide the check number, account holder, and amount; ask them to confirm authenticity and that funds are guaranteed. Make sure you call the bank’s official number, not the one printed on the check.
- Be alert if you receive an overpayment check.
A common scam is sending a check for more than the amount due and asking for the difference in cash. Confirm the check’s validity with the bank before proceeding.
- Wait for the check to clear before handing over any goods.
Clearing can take 3–10 days. Make sure the funds have fully settled and are not just on hold.
- Avoid accepting checks from unknown parties.
Whenever possible, accept checks only from people you trust. If you must take a check, follow the security measures above.
Manage your money securely with Común
In this article we explained what a certified check is, how it’s issued, how it differs from cashier’s checks, and how to use this payment method safely.
While certified checks can be a good payment option, a checking account in the U.S. is a much more secure and practical way to manage money.
Meet Común, your financial ally in the United States!
Send, receive, and cash money within and outside the United States. Our platform lets you move your money easily, quickly, and securely. You need a qualifying official ID from your country of origin to get started.
Open your account with Común today and discover a financial platform tailored to you.
Frequently Asked Questions (FAQ)
Where can I get a certified check in the United States?
You can request certified checks at financial institutions such as banks, credit unions, and some digital banks.
How much does it cost to get a certified check at the bank?
The cost depends on the bank but is typically between $10 and $15.
What other types of checks exist in the U.S. besides certified checks?
Other types of checks in the United States include: Money order; Personal check; Cashier’s check.
Conclusion
Starting a business as an immigrant is entirely possible with the right steps. By choosing the right business structure, obtaining the necessary tax IDs, and registering properly, you’ll build a strong foundation for success.
Need an easy way to manage your business finances?
Común offers banking solutions designed for Latino entrepreneurs. Open your account today!
Olivia Rhye
Community Partner
Financial Education
What is a certified check and how does it work?
8 min de lectura
What is a certified check and how does it work?
Certified checks are a common form of payment for thousands of immigrants living in the United States, especially for major purchases such as rent payments, buying a car, and legal settlements.
However, it is not always clear why the certification process matters and how it differs from other types of checks.
A certified check is a physical payment order that has been reviewed in advance by a financial institution to ensure there are sufficient funds in the issuer’s bank account. This is the fundamental reason it’s considered a safer form of payment than a personal check.
Below, we explain in detail what a certified check is, how it works, and why it’s important to understand the differences from other types of checks.
What is a certified check?
A certified check is a type of check with guaranteed funds, since the issuing bank has verified the money exists in the checking or personal account.
This makes it a safer form of payment than personal checks, because the bank sets aside the amount to be paid so it can be collected by the payee.
How is a certified check issued?
Issuing a certified check is a straightforward process you can complete directly at the financial institution of your choice.
- The customer requests the check
The account holder must go to a bank and request a certified check, specifying the payee and the amount.
- Customer identification
You must present an official ID to verify that you are the holder of the savings or checking account from which the funds will be drawn.
- The bank freezes the amount in the account
The bank then certifies there are sufficient funds to cover the check and freezes them to ensure the payee can cash it.
- Signature certification
You must sign the check before finishing the process so the bank can confirm the signature matches the one on file.
Affixing the certification stamp
Finally, once the bank has verified the funds and the signature, it places a certification stamp to document completion of the process.
Differences between a certified check and a cashier’s check
A cashier’s check is another way to make secure payments using a physical instrument. In this case, the bank branch issues the check after receiving the customer’s payment, so the funds come from the bank itself.
Below is a comparison between a cashier’s check and a certified check.
Cashier’s check
Certified check
Security
High; the bank verifies sufficient funds and places a hold for the payee.
Very high; the check is backed by the bank and does not depend on the issuer’s account.
Cost
At some banks they have no cost at others up to approximately $15.
Depends on the bank; typically $10–$20.
Issuance time
At the branch, after funds are verified.
Immediate.
When is a certified check typically required?
A certified check is commonly used for significant transactions or large amounts. This gives the recipient assurance that funds are available.
- Paying an apartment security deposit.
When finalizing a lease or purchasing an apartment, the landlord or agent may request payment via certified check to guarantee funds.
- Buying a used car.
Whether dealing directly with owners or dealerships, a certified check can be a suitable option because of the security it provides.
- Closing an important contract or legal settlement.
For example, to pay fees, settlements, or indemnities, certified checks provide security for both parties.
- For tuition or school fees.
Some educational institutions accept certified checks as a form of payment, especially for international or first-time payments.
Do you know what to do if a check is stolen or lost? We explain it here!
Practical tips for using certified checks safely
While certified checks are among the safest payment methods due to the bank’s verification process, there are still fraud attempts using forged documents.
With this in mind, keep these tips in mind to avoid becoming a victim of check fraud.
How to know if a check has funds and avoid scams
- Verify with the issuing bank.
Call the bank directly and provide the check number, account holder, and amount; ask them to confirm authenticity and that funds are guaranteed. Make sure you call the bank’s official number, not the one printed on the check.
- Be alert if you receive an overpayment check.
A common scam is sending a check for more than the amount due and asking for the difference in cash. Confirm the check’s validity with the bank before proceeding.
- Wait for the check to clear before handing over any goods.
Clearing can take 3–10 days. Make sure the funds have fully settled and are not just on hold.
- Avoid accepting checks from unknown parties.
Whenever possible, accept checks only from people you trust. If you must take a check, follow the security measures above.
Manage your money securely with Común
In this article we explained what a certified check is, how it’s issued, how it differs from cashier’s checks, and how to use this payment method safely.
While certified checks can be a good payment option, a checking account in the U.S. is a much more secure and practical way to manage money.
Meet Común, your financial ally in the United States!
Send, receive, and cash money within and outside the United States. Our platform lets you move your money easily, quickly, and securely. You need a qualifying official ID from your country of origin to get started.
Open your account with Común today and discover a financial platform tailored to you.
Frequently Asked Questions (FAQ)
Where can I get a certified check in the United States?
You can request certified checks at financial institutions such as banks, credit unions, and some digital banks.
How much does it cost to get a certified check at the bank?
The cost depends on the bank but is typically between $10 and $15.
What other types of checks exist in the U.S. besides certified checks?
Other types of checks in the United States include: Money order; Personal check; Cashier’s check.
Financial Education
How to Endorse a Check: Your Safe and Detailed Step-by-Step Guide
8 min de lectura
Despite the fact that digital payment methods have gained significant relevance practically worldwide, checks remain essential for carrying out certain transactions, especially for people without a banking account.
According to recent data, 61% of Americans still use checks. However, 17% have been victims of check fraud.
Knowing how to endorse a check in the United States is a necessary security measure to prevent fraud. While it can be a confusing procedure, it is crucial to understand it in order to avoid issues.
In this article, we will explain step-by-step how to correctly endorse checks, as well as the information you need to write on the back in order to cash the stated amount.
What Is a Check Endorsement and Why Is It So Important in the U.S.?
A check endorsement is a signature on the back of the check that serves as authorization for it to be cashed at a financial institution.
Its main function is to validate the cashing of the check, as well as authorize the transfer of funds, or to transfer the right to another person.
Knowing how to endorse a check is essential because it is a primary security requirement in the U.S. financial system, serving as a protection measure for the holder and the deposited funds.
What Is the Correct Way to Endorse a Check, and Where Should You Sign?
Below, we show you how to complete the endorsement before cashing checks at the bank.
Step 1: Verify the Check Details
Make sure the details on the front of the check are correct, such as the payee’s name, the amount in numbers and words, and the banking institution.
Step 2: Locate the Endorsement Area
Turn the check over and locate the statement “Endorse Here” or “Do not write below this line.” Avoid writing below the marked area.
Step 3: Sign the Check Precisely
Sign the check in the designated box, according to the type of endorsement you require. Next, we will explain everything about the different types.
But what should you do if the payee’s name is incorrect?
Example of How to Endorse a Check if the Name Is Misspelled
If the payee’s name is incorrect, you should first sign as it appears and then sign again with the corrected name.
James Smit — James Smith
Step 4: Consider a Restrictive Endorsement (Highly Recommended!)
A restrictive endorsement is a security measure to prevent an unauthorized third party from cashing the check, as it limits the form of payment to a registered banking account. It is linked to the information provided on the back of the check.
Step 5: Multiple-Payee Endorsements
If the check is made out to more than one payee, one or all may need to sign the endorsement, depending on how it is written.
- Katy Adams and Mark Palmer: Signatures from both are required
- Katy Adams or Mark Palmer: One signature is sufficient
- Katy Adams and/or Mark Palmer: Depending on the intermediary bank, one or two signatures may be required
- Katy Adams, Mark Palmer, etc.: The bank determines whether one or all signatures are necessary
Types of Endorsements: Know the Options for Your Checks
Before endorsing your check, verify which type is most suitable depending on the transaction you need to perform. For example, a restrictive endorsement is a way to secure your money, just like using modern financial alternatives such as Común, a comprehensive service that gives you access to unified and efficient financial tools.
Blank Endorsement
A blank endorsement is carried out when the same payee cashes the check in cash. In this case, only the signature in the designated area is needed.
Restrictive Endorsement
A restrictive endorsement is a security measure to ensure that the funds are deposited into a specific banking account.
To do this, you must include the statement “for deposit only to” + bank name, account number, and signature.
This is the most recommended method for Común users who make deposits via mobile, as it provides protection for the check in case of loss and ensures that the money is deposited into the designated account.
Third-Party Endorsement
If the check will be cashed by a third party, it must be endorsed as follows.
Pay to the order of: (name of another person) + signature
It is important to exercise extreme caution with this type of endorsement. Use it only with trusted individuals, and in case of theft or loss of a check, report it to the financial institution immediately.
Business Endorsement
A business endorsement is made when a check is cashed in the name of a company. This requires including the full name of the company, followed by the signature of the authorized legal representative.
Mobile Deposit Endorsement
To deposit check funds through a mobile application or mobile banking, it must be endorsed as follows:
For mobile deposit only + your signature.
Deposit your endorsed check easily and securely using Común
Cashing checks is a process that requires special care and attention in order to avoid mistakes and setbacks that could affect the transaction.
This time, we learned the importance of correctly endorsing a check in the United States, as well as the different types that exist, according to the available cashing methods.
Now that you know how to fill out a check on the back, you can rely on Común to deposit the funds through the mobile app.
Skip the lines: Deposit your check from the app; availability of funds may vary.
Común offers you the necessary security to protect your money and personal data
It is an accessible platform for immigrants in the United States; request to open your account with documentation from your country
Get customer support in English and Spanish, available 24/7
Access a comprehensive mobile app to manage your personal finances in the simplest way
Común will not only make the check deposit process easier, but it will also transform your financial life in the United States. Open your account today and find out.
Frequently Asked Questions
Is it mandatory to endorse a check in the United States?
In most cases, yes, it is necessary. If you request a deposit through an ATM or application, the bank may not require an endorsement.
What happens if I sign the check incorrectly when endorsing it?
Avoid cross-outs or scratches and endorse the check again. If the bank rejects it, ask the issuer to issue a new one.
Can I endorse a check to another person?
You can endorse a check so that it can be cashed by another person with the statement “pay to order of” along with the payee’s name. However, this process is restricted according to each bank’s specific policies.
Is it safe to deposit a check with the mobile app?
It is safe to deposit a check through the Común mobile app, as your data is encrypted and it includes other security measures such as two-step verification.
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Financial Education
What is a wire transfer? A complete guide to sending money in the U.S.
8 min de lectura
Every day, millions of people in the United States rely on different methods to send money safely and quickly, whether within the country or, in the case of immigrants, to their countries of origin.
The wire transfer is one of the most popular methods for sending money through financial institutions that provide backing and traceability to ensure the recipient receives the funds.
According to Federal Reserve (Fedwire) data, in 2024 there were 209.9 million wire transfers, representing 8.6% growth compared to the prior year.
Today, the dynamism of the financial system has led to different solutions for making domestic and international money transfers. That is why it is important to understand what a wire transfer is, how it works, and its advantages and disadvantages.
How does a bank transfer or wire transfer work?
A bank transfer or wire transfer is an electronic method of sending money from one bank account to another in real time and without the need for cash. It is especially advisable for transmitting large amounts when extra security is required.
The mechanism for using this transfer service is as follows.
Initiation by the sender
To make an electronic transfer, the sender must initiate the process, either in person (at a bank) or digitally (through a mobile application).
At the beginning of the process, it is necessary to provide the recipient’s information in order to complete the transaction.
Sending of instructions
The bank or financial institution verifies and validates the funds, as well as their sufficiency or insufficiency in the sender’s bank account.
Receipt and crediting
Once the information has been validated, the funds are sent to the indicated account through secure networks according to the type of money transfer.
- Fedwire: a system operated by the National Reserve, for transfers of large amounts of money within the United States
- CHIPS: a system operated by The Clearing House, for international transfers
Advantages and disadvantages of bank transfers (Wire Transfers)
Making a wire transfer has several pros and cons, such as the following.
Advantages
Speed
In the case of domestic wire transfers, the money is deposited within minutes or in less than one business day, making it advisable for urgent payments.
For international bank transfers, the time can range from 1 to 3 business days, so you should consider this limitation if you need to send money outside the United States.
Security
Money moves through official U.S. networks, which provides certainty and facilitates tracking. It also reduces the risk of fraud and scams by dispensing with traditional payment methods such as cash or checks.
Ideal for large amounts
Compared with other transfer platforms (such as Zelle, Western Union, and ACH transfers), wire transfers do not have send limits that are as low, making them ideal for moving large amounts of funds safely and quickly.
Traceability
When a wire transfer is made, each movement is recorded through the networks used, making it easy to trace the money if any issue arises during the process.
Disadvantages
Cost
Banks charge transfer fees that are considerably higher compared with other alternatives.
The cost of domestic transfers ranges from $15 to $30 USD, while international transfers can exceed $50 USD if intermediary institutions must participate in the process.
Irreversibility
If an error is made or you are the victim of fraud, a transfer cannot be reversed. In addition, the bank is not responsible for erroneous electronic payments that were duly authorized.
Detailed information required
To complete the transfer, precise information is required, such as the SWIFT code and the recipient’s name. If a figure is incorrect, the operation will still be carried out.
There are more accessible alternatives for making electronic transfers, such as Común, which provides access to a mobile application and a debit card, with simple procedures. In addition, Común account funds are FDIC insured up to the applicable limits through an FDIC-insured bank.
Required information and how to make a Wire Transfer effectively
Before making an electronic transfer, it is crucial to gather the necessary information so that your money reaches its destination without issues.
Essential data to send a wire transfer
Recipient’s full name
Make sure to write it exactly as it appears on their account.
Name of the receiving bank
Write the bank’s full name, without acronyms or abbreviations.
Routing number (ABA) for domestic transfers in the U.S.
It is a 9-digit code that identifies each bank in the United States.
SWIFT/BIC code for international transfers
It is an international identifier for each bank.
Bank account number or IBAN for international transfers
The IBAN is an international code that includes the country identifier, the bank identifier, and the bank account number.
Exact amount to send
It is very important to verify the amount to be sent, because an erroneous operation cannot be canceled.
Tips for a successful and secure transfer
Before making this type of transfer, it is essential to keep some recommendations in mind to avoid issues or errors that could affect your finances.
Double-check all information
Take the time to ensure you have entered exact and correct information, since once a transfer is authorized, it cannot be reversed.
Understand all associated fees before sending
Transfer fees depend on various factors, such as the issuing bank, amount, and—if international transfers are involved—the participation of intermediaries and the exchange rate used.
It is very important to understand all costs involved in a wire transfer, as in some cases the figure can be quite high and not very competitive.
Use reliable and transparent platforms
Ensure that your bank is a reliable institution and has appropriate security measures to handle large amounts of money. Identify whether it has FDIC backing to insure bank deposits in the United States.
Stay alert to possible fraud
Avoid sharing personal information with strangers, as well as passwords or verification codes. If you have any doubts or receive a suspicious call, contact the financial institution directly.
Común: The solution for your transfers in the U.S.
Now that you know what a wire transfer is, you will see that it is very useful for moving money, especially when large amounts are involved and a secure, fast method is sought. However, there are modern alternatives that make sending money easier.
Común offers a more accessible alternative that simplifies money management, especially for immigrants in the United States.
In addition, it offers a simple platform for making domestic and international transfers for a fee starting at $2.99 USD, up to the applicable limits.
Discover an easier way to manage your finances from the palm of your hand. Download the Común mobile app and transfer money without complications.
Frequently Asked Questions
What is the difference between a bank transfer and a wire transfer?
A bank transfer is the general way to refer to any type of digital movement of money. A wire transfer refers to the network used to carry it out. There are also ACH (Automated Clearing House) transfers and mobile payments.
How long does it take to process a wire transfer?
For domestic transfers, they are usually completed the same day if initiated before the cut-off time. After that time, they take about one business day.
International transfers usually take 1 to 3 business days.
Can I cancel a wire transfer once it has been sent?
No, it is not possible to cancel a wire transfer once it has been fully processed.
Are there amount limits for wire transfers?
There is no set limit; it depends on each bank. However, the permitted amounts are higher than with other alternatives.
Living in the United States
Todo lo Que Necesitas Saber Sobre Cuentas Bancarias en EEUU: Apertura, Uso y Gestión
8 min de lectura
Cuentas Bancarias
Tener una cuenta bancaria es esencial para gestionar tu vida financiera de manera eficiente y ofrece numerosos beneficios prácticos. Una de las principales ventajas es el almacenamiento seguro del dinero. A diferencia de mantener efectivo en casa, que puede ser vulnerable a robos, pérdidas y daños, el dinero guardado en una cuenta bancaria es seguro y protegido. Además, las cuentas bancarias proporcionan una gran conveniencia para las transacciones diarias. Puedes pagar facturas fácilmente, recibir depósitos directos, retirar efectivo y hacer compras con una tarjeta de débito vinculada a tu cuenta. La banca moderna también te permite gestionar tus finanzas desde prácticamente cualquier lugar a través de plataformas de banca en línea y móvil.
Tipos de Cuentas Bancarias: Corriente y de Ahorros
En el ámbito de las finanzas personales, entender los diferentes tipos de cuentas bancarias es crucial.
- Cuentas Corrientes: Las cuentas corrientes, a menudo llamadas cuentas corrientes personales, están diseñadas para transacciones diarias como depositar dinero y compras con tarjeta de débito. Frecuentemente vienen con la opción de depósitos directos y pagos de facturas en línea. Entender las diferencias entre las cuentas corrientes y de ahorros es esencial, especialmente cuando se consideran promociones y bonificaciones bancarias que a menudo presentan ofertas específicas para abrir nuevas cuentas corrientes y de ahorros, incluyendo requisitos de depósitos directos y depósitos mínimos para calificar para bonificaciones en efectivo.
- Cuentas de Ahorros: Las cuentas de ahorros, incluidas las formas especializadas como la cuenta de ahorros de Barclays, están destinadas a almacenar dinero durante un período más largo, a menudo con el objetivo de construir un fondo de emergencia. Estas cuentas pueden ofrecer una tasa de interés más alta y, a veces, requieren un saldo mínimo. La combinación de cuentas corrientes y de ahorros puede proporcionar una solución bancaria integral, ofreciendo tanto la flexibilidad de las transacciones diarias como el beneficio de ganar intereses sobre ahorros a largo plazo, lo cual es particularmente ventajoso cuando los bancos ofrecen promociones y bonificaciones para estas cuentas.
- Cuentas del Mercado Monetario y CD (Certificado de Depósito): Generalmente ofrecen rendimientos porcentuales anuales más altos que las cuentas de ahorros regulares, bloqueando los fondos durante un período especificado para lograr mejores retornos.
Entender estas opciones ayuda a alinear los servicios bancarios con tus objetivos financieros, ya sea que estés considerando abrir una cuenta corriente empresarial o una cuenta de ahorros conjunta en el mismo banco o cooperativa de crédito.
Abrir tu Primera Nueva Cuenta Bancaria
Para abrir una cuenta, particularmente una nueva cuenta bancaria en línea, comienza eligiendo la institución financiera adecuada: puede ser un banco solo en línea, un banco tradicional o una cooperativa de crédito, dependiendo de tus necesidades y preferencias financieras. Considera factores como la accesibilidad, el servicio al cliente, las estructuras de tarifas y la disponibilidad de funciones de banca en línea y móvil al seleccionar dónde abrir tu cuenta.
El proceso generalmente implica hacer un depósito inicial, que puede variar pero a menudo es un depósito mínimo de apertura. Cumplir con el depósito mínimo es crucial para calificar para las bonificaciones de la cuenta. Algunas instituciones pueden requerir solo unos pocos dólares, mientras que otras pueden pedir una cantidad mayor, especialmente para cuentas premium o especializadas. Durante la fase de apertura de la cuenta, necesitarás proporcionar información personal como un número de Seguro Social o un Número de Identificación del Contribuyente Individual, y una identificación emitida por el gobierno, como un pasaporte o licencia de conducir. Esta información ayuda al banco a garantizar el cumplimiento de los requisitos regulatorios, incluyendo los relacionados con el lavado de dinero.
Muchos bancos ofrecen bonificaciones de cuenta bancaria o una bonificación de cuenta corriente a nuevos clientes de cuentas corrientes, lo cual puede ser un incentivo atractivo. Abrir una cuenta corriente personal en América viene con bonificaciones y recompensas específicas, incluyendo bonificaciones en efectivo por cumplir ciertos requisitos como un depósito directo calificado. Para calificar para estas bonificaciones, los clientes a menudo necesitan cumplir con criterios como un depósito mínimo dentro de un cierto plazo y mantener ese saldo por un período específico. Por ejemplo, algunas instituciones financieras ofrecen bonificaciones en efectivo por configurar un depósito directo calificado. Este incentivo a menudo requiere que recibas un pago regular, como un salario o un beneficio gubernamental, directamente en tu nueva cuenta dentro de un cierto período de tiempo desde la apertura de la cuenta. Asegúrate de entender los términos y condiciones asociados con estas bonificaciones, como los requisitos de saldo mínimo y la duración de los depósitos directos.
Además, pregunta sobre cualquier tarifa potencial asociada con la cuenta, como tarifas de mantenimiento mensual, tarifas de uso de cajeros automáticos y cargos por sobregiro. A veces, los bancos ofrecen exenciones de tarifas en ciertas condiciones, como mantener un saldo mínimo o incluso por inscribirse en depósitos directos. También es beneficioso preguntar sobre las políticas de sobregiro del banco. Algunos bancos ofrecen programas de protección contra sobregiros, que pueden evitar que incurras en tarifas si accidentalmente sobregiras tu cuenta. Este servicio puede ser un salvavidas para los nuevos titulares de cuentas no familiarizados con la gestión de su saldo, pero típicamente viene con un costo adicional.
Por último, considera las opciones de servicio al cliente y soporte del banco. Un soporte al cliente confiable puede ser invaluable, especialmente si encuentras problemas con tu cuenta o necesitas orientación sobre el uso de los servicios bancarios. Al considerar cuidadosamente estos aspectos, puedes asegurar que tu primera experiencia bancaria sea positiva y financieramente beneficiosa. Recuerda, el banco adecuado para otra persona podría no ser el banco adecuado para ti, así que elige basado en tus circunstancias y necesidades financieras específicas.
Común es una Excelente Opción para tus Necesidades Bancarias en USA
Si buscas una solución bancaria confiable y moderna en los Estados Unidos, Común es la opción perfecta para ti. Común es un banco digital diseñado para todos, especialmente para la comunidad de inmigrantes, ofreciendo una experiencia bancaria sin complicaciones, sin cargos ocultos y con herramientas en español que facilitan la gestión de tus finanzas. Con Común, puedes abrir una cuenta en minutos desde tu teléfono, recibir tu tarjeta de débito gratuita y comenzar a disfrutar de beneficios como transferencias sin costo, depósitos directos y acceso a más de 55,000 cajeros automáticos gratuitos en todo el país. Además, Común se preocupa por tu seguridad, implementando medidas avanzadas para proteger tu dinero y tus datos. No esperes más y únete a la comunidad de Común para una experiencia bancaria que entiende y apoya tus necesidades únicas.
Abre tu cuenta corriente¹ en 3 minutos con la ID de tu país²
Mas información sobre cuentas bancarias en Estados Unidos
Te explicamos tu numero de cuenta
Las mejores practicas para gestionar tu cuenta
Gestión Efectiva de la Cuenta
La gestión efectiva de las cuentas bancarias va más allá del simple monitoreo de saldos; abarca un enfoque integral de la administración financiera. Esto implica entender y reducir las tarifas de la cuenta, que pueden incluir el mantenimiento mensual, el uso de cajeros automáticos y los cargos por sobregiro. Una forma de minimizar estas tarifas es cumpliendo con los requisitos de saldo mínimo o inscribiéndose en depósitos directos, ya que muchos bancos ofrecen exenciones de tarifas bajo estas condiciones.
El uso de herramientas de banca en línea y móvil es esencial para una gestión financiera eficiente. Estas plataformas permiten el monitoreo en tiempo real de las transacciones, la transferencia inmediata de fondos y el acceso rápido a estados de cuenta y documentos bancarios, lo cual puede ayudar en la elaboración de presupuestos y la preparación de impuestos. Configurar pagos automáticos de facturas es otra característica crucial, asegurando que todos los pagos se realicen a tiempo, evitando así cargos por pagos atrasados e interrupciones en los servicios.
Para aquellos que gestionan múltiples cuentas, como una cuenta corriente empresarial y una cuenta corriente personal, vincular estas cuentas puede simplificar la gestión del dinero. Permite transferencias más fáciles entre cuentas y una vista consolidada de las finanzas, lo cual es particularmente beneficioso para los propietarios de pequeñas empresas que necesitan mantener separados los gastos personales y empresariales. Además, tener múltiples cuentas bancarias puede ofrecer beneficios significativos, como separar fondos para diferentes propósitos—como gastos diarios, ahorros e inversiones—y atender necesidades financieras individuales o conjuntas, incluyendo para viajes internacionales o propósitos empresariales.
Además, la banca móvil ha revolucionado el acceso a los servicios financieros, permitiendo a los usuarios realizar una variedad de tareas bancarias desde sus dispositivos, como verificar saldos, depositar cheques de forma remota y retirar efectivo en cajeros automáticos sin una tarjeta física. Esta conveniencia, sin embargo, debe equilibrarse con prácticas de seguridad diligentes para proteger los datos financieros.
Seguridad y Protección
La seguridad de una cuenta es crítica para proteger los activos financieros de posibles amenazas como el fraude y el robo de identidad. Los bancos, ya sean en línea o tradicionales, implementan medidas de seguridad robustas, incluyendo cifrado, certificados de capa de conexión segura (SSL) y monitoreo continuo de actividades sospechosas. Sin embargo, la responsabilidad también recae en el titular de la cuenta para mejorar su seguridad personal.
Habilitar la autenticación de dos factores agrega una capa adicional de seguridad, reduciendo significativamente el riesgo de acceso no autorizado. Usar contraseñas fuertes y complejas y cambiarlas regularmente son prácticas fundamentales para asegurar los portales de banca en línea. Los titulares de cuentas también deben estar atentos a las estafas de phishing—intentos fraudulentos de obtener información sensible. Reconocer correos electrónicos, enlaces o llamadas telefónicas sospechosas que soliciten información bancaria personal es crucial.
Monitorear regularmente la actividad de la cuenta es otra medida de seguridad proactiva. Muchos bancos ofrecen alertas personalizables que notifican al titular de la cuenta sobre transacciones inusuales o grandes inmediatamente, permitiendo una acción rápida contra accesos no autorizados. También es aconsejable revisar frecuentemente el historial de transacciones para identificar cualquier irregularidad que pueda indicar actividad fraudulenta. Además, entender las últimas tecnologías de seguridad bancaria y utilizar todas las herramientas disponibles proporcionadas por las instituciones financieras puede mejorar significativamente la seguridad de las operaciones bancarias. Estas herramientas incluyen verificaciones biométricas, como el reconocimiento de huellas dactilares y facial, que ofrecen un nivel de seguridad más alto que las contraseñas tradicionales.
Al incorporar estas prácticas avanzadas de gestión y seguridad, los individuos pueden mejorar significativamente tanto la eficiencia como la seguridad de su experiencia bancaria, asegurando que sus activos financieros se gestionen de manera sabia y se protejan contra posibles amenazas.
Conclusión
Navegar por las complejidades de las cuentas bancarias—desde elegir el tipo correcto hasta gestionarlas y asegurarlas—puede tener un impacto significativo en tu bienestar financiero. Entender los diversos tipos de cuentas disponibles, desde cuentas corrientes personales y empresariales hasta cuentas de ahorros y CD, te permite tomar decisiones informadas que se alinean con tus objetivos financieros. Abrir tu primera cuenta es un paso crucial que sienta las bases para construir un futuro financiero robusto. Al seleccionar la institución financiera adecuada, entender las estructuras de tarifas y aprovechar incentivos como bonificaciones de cuenta, te posicionas para maximizar los beneficios de la banca.
La gestión efectiva de la cuenta y las medidas de seguridad vigilantes son esenciales para aprovechar al máximo tu experiencia bancaria. Utilizar herramientas de banca en línea y móvil no solo proporciona conveniencia, sino que también te permite mantener una supervisión cercana de tus actividades financieras, asegurando que tu dinero trabaje para ti de la manera más eficiente posible. Además, la importancia de la seguridad no puede subestimarse; proteger tu información financiera del fraude y el robo es primordial en la era digital actual.
En última instancia, la gestión cuidadosa y la protección de tus cuentas bancarias son cruciales para mantener la salud financiera y lograr tus objetivos monetarios. Al adoptar las prácticas descritas en esta guía, puedes navegar con confianza en el panorama bancario, tomando decisiones informadas que fortalezcan tus finanzas personales y empresariales. Ya sea que estés abriendo tu primera cuenta o optimizando las existentes, recuerda que cada paso que tomes es un bloque de construcción hacia una mayor seguridad y libertad financiera.
Financial Education
Which one is the best traditional bank in the United States? A Practical Guide for Immigrants
8 min de lectura
Having a bank account is an essential step for people arriving to work in the United States, since it makes it easier for them to manage their salaries and adapt to the country’s financial system.
This can be a complicated process, since in the United States there is a wide variety of financial institutions, such as traditional banks with hundreds of branches, digital banks, and credit unions.
Among the most well-known are Bank of America, Capital One, and Wells Fargo, which enjoy significant recognition in the country. However, it is not possible to name one as the best: this depends on the specific needs of users.
For example, immigrants in the United States look to prioritize ease of account opening, as well as the ability to send remittances to their loved ones.
In this article, we will explain which are the best banks in the U.S., their features, requirements, and everything you need to know before opening an account.
The 6 Best Banks in the United States in 2025
Below, we present a comparative table of the best banks in the U.S.
| Bank | Strengths | For Whom It Is Ideal |
|---|---|---|
| JP Morgan | Largest network of branches and ATMs, rewards available on credit card | People who want easy access to physical branches, along with a variety of financial products |
| Bank of America | Over 3,000 branches, bilingual service in Spanish and English | For those who prefer to communicate in Spanish and seek a bank with a solid reputation |
| Wells Fargo | Wide branch coverage, express international transfers | People looking for reliable options to send remittances |
| Citibank | International presence, global focus | Those who need to make frequent international money transfers |
| Capital One | No monthly fees and no minimum balance | Those seeking more accessible and digital options |
| PNC | Over 2,300 branches, mobile app for financial management | Those seeking to improve their personal financial management |
How to Choose the Best Bank to Open an Account
If you are about to start your financial life in the United States, choosing a bank where you open an account is a very important decision. Each has its own requirements and benefits, so you should look for the one that best fits your expectations.
These are the most relevant criteria you should analyze before choosing the best option for you.
Accepted Identification
Many banks request the SSN (Social Security Number) to process a bank account, while others accept alternatives such as the ITIN or a passport.
Support and Availability
Although some banks do offer support in other language, like Spanish, not all of them do. Verify that the institution you choose can clearly answer your questions.
Cash Deposits and Withdrawals
If you frequently receive cash payments, it is important that your bank allows you to make cash deposits at branches near you and without fees.
Transfers and Remittances
Sending remittances is a crucial issue for immigrants, so you should review the fees for international money transfers. These are often more expensive in traditional banks due to intermediaries and exchange rates.
Digital Security
Verify that the bank has security measures in digital banking, as well as backing from official institutions such as the FDIC.
5 Digital Finance Platforms in the United States
Beyond traditional banks, you can also turn to digital alternatives, which tend to be more accessible.
Digital banks or financial platforms are institutions that operate online through mobile apps and websites. They do not depend on physical branches and tend to make processes easier in favor of financial inclusion.
There are financial platforms focused on meeting the needs of immigrants in the United States, as they address gaps and obstacles of traditional banks with flexible account-opening requirements, accessible fees for remittance sending, and ease of depositing cash.
Común
Advantages: focused on the needs of immigrants, support available in Spanish, and has accessible account-opening requirements.
Disadvantages: it does not have physical branches or an ATM network, but you will always be able to access your digital money from the palm of your hand, without time restrictions; you can also withdraw and make cash deposits at thousands of locations in the United States.
Ally
Advantages: 100% digital bank with High Interest Rates (APY) on savings accounts.
Disadvantages: it is not possible to make direct deposits.
Axos
Advantages: offers various types of accounts and attainable options for students and immigrants.
Disadvantages: limited support in Spanish.
Chime
Advantages: offers accounts with no monthly fees, ATM network, and payroll advance.
Disadvantages: difficulty in making cash deposits.
Discover
Advantages: offers credit cards with rewards, checking and savings accounts without monthly fees.
Disadvantages: few cash deposit options, and it is not focused on the needs of immigrant communities.
Común: A financial platform for immigrants in the U.S.
As you can see, there is a variety of financial institutions you can turn to, and access to a full range of services such as cash deposits, transfers, financial management, etc.
That is why you must be clear about what you are looking for in a U.S. bank account and how you could meet your needs.
Most traditional banks tend to have stricter requirements and higher operating costs. For this reason, many immigrants consider digital financial platforms as an alternative, since they are often more accessible and designed with services that address their needs.
Común is a fintech platform that can support you in starting your financial journey in the United States, offering benefits such as:
- Open your account with the qualified official identification from your country of origin
- Forget about hidden fees and minimum balances
- Send money to your loved ones in Latin America for a fee starting at $2.99 USD (up to the applicable limits)
- Access a network of more than 88,000 locations for cash deposits and withdrawals
- Access Spanish-language support available 24 hours a day
- Get a Visa debit card
- Manage your finances from a comprehensive and easy-to-use mobile app
Open your account today and start sending money through Común’s mobile app.
Frequently Asked Questions
If you have more questions, check our FAQ section.
Which is the safest bank in the U.S.?
FDIC insurance is relevant to determine if a bank is safe. Traditional banks have this backing, as do digital banks like Revolut (through Sutton Bank) and fintech platforms such as Común.
Which bank charges fewer monthly fees for a bank account?
Many digital banks and fintech platforms, including Común, often offer competitive rates. This can be due to lower operating costs, since they do not maintain physical branches. However, fees and account features vary by provider.
Living in the United States
How to Get a Driver’s License in the United States as a Foreign National
8 min de lectura
Driver’s license in the United States for foreign nationals: steps and requirements
Having a driver’s license makes everyday tasks easier, such as going to work, the supermarket, school, medical appointments, and more. This process is especially important for immigrants living in the United States, as it gives them independence and stability in the country.
Although the process to obtain a driver’s license varies in each state, foreign nationals do have the possibility and the right to obtain one. Below, we explain all the details so you can get this permit soon.
Can you drive with an international license in the United States?
If you have recently arrived in the United States and need to get around in your own car, you may temporarily use the driver’s license from your home country, as long as it is issued in English or accompanied by an international driving permit.
As a new driver in the United States, you must understand the difference between an international license and a local one: the former supplements your national license and allows you to drive in the U.S. for a few months; the latter is issued by the Department of Motor Vehicles (DMV) in each state and grants you a permanent permit to operate a motor vehicle in the country.
Regulations differ in each state: for example, in California you can drive with a valid foreign license until you become a resident. In contrast, in Texas your national license is valid for 90 days, and you must always carry your passport or visa.
Allowed period to drive with a foreign license
The maximum time allowed to drive with a foreign license varies depending on each state’s local regulations. In general, the period can range from 30 days to one year, from the day you arrive until you establish yourself as a permanent resident.
When is it necessary to apply for a U.S. driver’s license?
If you plan to live in the United States for a longer period, you need a U.S. driver’s license to drive. It is also essential if you plan to buy a car.
Also, remember that in some states the period to drive with a foreign license is limited, so you should consider applying for a U.S. license before that deadline expires.
Requirements to obtain a driver’s license in the U.S. as a foreign national
The requirements to obtain a driver’s license also vary by state, although the general structure is similar.
This is the documentation needed to obtain a driving permit in the United States.
- Valid passport or official identification: used as proof of identity.
- Proof of residency: can be a utility bill, rental agreement, or official letter showing your address.
- Immigration status or proof of legal presence: such as the Employment Authorization Document (EAD) or the I-20 form for students.
- Social Security Number (SSN) or an SSA ineligibility letter.
Keep in mind that states such as New York and Illinois allow applicants to obtain a driver’s license without considering immigration status.
Learn here how to send money without a bank account.
5 steps to apply for your U.S. driver’s license
Getting your driver’s license may seem like a complex and tedious process. In reality, you only need to stay organized and take the time to understand the guidelines.
Step 1. Gather your documents
Before going to a DMV office, make sure to prepare the required documents. In the previous section we outlined what you generally need, but remember to check for variations in the state where you live.
Step 2. Schedule an appointment at the DMV
Then, visit the DMV website and book an appointment. On the scheduled day, your documents will be reviewed and you will be given a date for the written exam.
Step 3. Take the written exam
The written exam evaluates your knowledge of traffic rules and road safety. Each state offers a driver’s manual to study for the test, and some are available in other languages, such as Spanish.
If you pass, you will receive a learner’s permit that will allow you to take the driving test under the guidance of an instructor.
Step 4. Take the driving test
The next step is probably the most challenging, as you must apply your theoretical knowledge in real driving practice. During the test, the instructor will evaluate your ability to follow traffic signs, park, turn, and follow safety rules.
Step 5. Pay the corresponding fees
Once you pass your driving test, you must pay a fee that varies by state. Initially, you will receive a temporary license and later receive your permanent license by mail.
Costs, timelines, and validity of a U.S. driver’s license
The cost of a driver’s license in the United States depends on each state, but generally includes the cost of the written exam, driving test, and issuance. The validity also varies by state, but it is usually between 4 and 8 years.
Additionally, a positive update for immigrants is that more states are removing immigration status requirements to issue a driver’s license; this is the case in California, New York, and Illinois.
If you have questions about the specific requirements in your state, check the updates on the official DMV website.
Drive toward your financial independence with Comun
Having a U.S. driver’s license represents another step toward achieving financial independence and making it easier to move around your city. Therefore, it is essential to understand the process to obtain one, as well as the differences in each state.
In other words, having a license simplifies and improves your life by making everyday tasks more accessible. Likewise, Comun is the financial platform that helps you manage your money safely and without complications.
Open your account with Comun and take the next step toward your independence in the United States. Manage your money with confidence, clarity, and support at every step.
Frequently Asked Questions (FAQ)
If you still have questions, check the following section.
How long can I drive with my foreign license in the U.S.?
The duration varies depending on the state you are in, but generally ranges from three months to one year.
What happens if my immigration status changes after I obtain my license?
If your immigration status changes after you obtain your driver’s license, it is recommended to update your information at the DMV. You may need to apply for a new license or present updated immigration documentation.
Is it valid to use an international license in all states?
Although the international driving permit (IDP) is accepted in most states, it must be accompanied by a valid national license. Additionally, there may be restrictions on how long it can be used in each state.
Can I get a driver’s license without a Social Security Number (SSN)?
Yes, it is possible to apply for a driver’s license without an SSN in several states. In this case, you must present an ineligibility letter issued by the Social Security Administration (SSA).
Living in the United States
Best Free Online English Courses for Immigrants in the U.S.
8 min de lectura
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.
Financial Education
Emergency Fund: Guide to Build It and Save in the U.S.
8 min de lectura
How to create an emergency fund and save in the U.S., step by step
If you’re new to the United States or facing financial challenges, it’s very important to have strategies to prepare for any eventuality.
An emergency fund is an excellent way to do this, and it also builds your financial literacy. It’s a cash reserve meant to cover unexpected expenses such as illness, job loss, home repairs, etc.
Having this cushion gives you peace of mind and removes uncertainty about the future, since it provides the liquidity you need to handle the unexpected.
You might think you need to earn a lot to build an emergency fund. Below, we’ll show that even with limited resources, you can start securing a future without financial complications.
What is an emergency fund and why is it key to your financial peace of mind?
Surely at some point during your time in the U.S., you’ve faced financial emergencies that made it hard to cover daily expenses—traffic fines, immigration procedures, illnesses, unemployment, repairs, etc.
An emergency fund is meant to support your finances precisely when those events occur. It’s savings set aside to handle all kinds of unforeseen expenses.
Beyond a stash of money, think of the emergency fund as a way to maintain peace of mind and reduce stress; it helps you preserve financial stability and avoid going into debt.
How much should you save in your emergency fund?
Knowing how to size an emergency fund is the first dilemma for many who aren’t used to long-term saving. While the ideal target is 3–6 months of basic expenses, if your income is limited you can start with small savings goals.
Below is a comparison of how your emergency fund would grow assuming expenses equal to 50% of total monthly income.
Monthly income
Approx. monthly expenses
3-month savings target
6-month savings target
$1,500
$750
$2,250
$4,500
$2,500
$1,250
$3,750
$7,500
$3,500
$1,750
$5,250
$10,500
Where should you keep your emergency fund so it’s safe and accessible?
It’s very important to choose a safe, easy-access place for your emergency fund and keep it separate from the money you use for daily expenses.
Today there’s a wide variety of savings accounts, both from traditional financial institutions and online platforms.
Whatever you choose, the following options are not recommended for storing your emergency fund.
- Cash at home
Whether under the mattress or in a piggy bank, keeping your emergency fund in cash is not a good idea for several reasons. First, there’s the risk of theft or loss. Also, the cash earns no interest and loses value to inflation. Another drawback is low accessibility if you need to cover expenses digitally.
While it’s true that opening a checking account can be challenging for immigrants in the U.S., there are accessible options so you don’t have to keep the emergency fund in cash.
- In high-risk investments
Although investments have advantages, high-risk ones involve sharp fluctuations that could cause losses. They also often require locking funds for a long period.
Simple strategies to build your emergency fund
If you’re new to personal finance, the first thing to know is that an emergency fund isn’t just for high earners. The key is to examine your lifestyle and spend according to a savings plan.
Step 1. Calculate your basic monthly expenses
The first step is to list all your fixed monthly expenses and the amount for each.
Example:
- Rent: $1,300
- Transportation (public or private): $100
- Tuition: $200
- Subscriptions: $50
Then list your variable expenses and calculate a budget. To be more accurate, track all your spending by category.
Example:
- Food: $300
- Leisure: $200
Finally, total your monthly spending. In the example above, monthly expenses add up to $2,100.
Step 2. Set your first goal
At first, reaching 3–6 months of expenses can sound impossible. You don’t have to give up what you enjoy—start with a small amount each month and increase gradually.
Your first savings target depends on your income, your expenses, and the resulting capacity to save.
Step 3. Adjust your budget and allocate a fixed percentage to savings
After doing the math, add “savings” as a fixed expense so you set that money aside every month.
Step 4. Automate with scheduled transfers
Ideally, open a new account so your emergency fund doesn’t mix with daily-use money.
An easy way to fund it is with automatic transfers so you don’t have to remember to move money each time.
Step 5. Review and raise your goal until you reach 3–6 months of expenses.
After a few months of hitting a small goal, reassess your budget and consider increasing your savings as you’re able.
Organize and protect your money with Común
As you can see, an emergency fund provides financial security for unexpected events. It’s also easy to start with small goals and increase gradually until you reach financial peace of mind.
The next step is choosing a safe place to keep your emergency fund secure.
Meet Común, the financial platform dedicated to making life easier for immigrants in the United States!
- Open your checking account at Común with a qualifying official ID from your country of origin.
- Send money to your family with clear, competitive fees.
Común is a financial platform designed to support your first steps toward financial stability in the U.S.
Open your account with Común today and start your emergency fund with a financial ally that truly understands you.
Frequently Asked Questions (FAQ)
If you still have questions, check this section.
Is it better to save for the emergency fund or pay debts first?
Having debts doesn’t prevent you from starting an emergency fund. Just include debt payments among your fixed monthly expenses and set your savings goal accordingly.
What happens if I use the fund and end up with no savings?
If you use your emergency fund for unexpected expenses, that’s fine—that’s its purpose. If you run it down, don’t worry; just start again based on your budget.
When should I use my emergency fund?
Your emergency fund is intended to cover unexpected events like medical bills, appliance breakdowns, layoffs, etc. When that happens, use it—and keep saving afterward.
Immigration
What is needed to obtain a Green Card in the United States?
8 min de lectura
Surely during your stay in the United States you have heard about the well-known Green Card or permanent resident card.
It is a document issued by the U.S. government that allows immigrants to reside and work legally and permanently.
For immigrants, obtaining it is of utmost importance, as it also opens the door to several benefits, such as legal protection, the right to purchase property, and the ability to apply for lawful permanent residence for family members.
Thousands of migrants in the United States often ask the big question: “How can I live legally in the United States?” We know how important it is for you to achieve better living conditions to support your family and loved ones. Therefore, below you’ll find a guide with practical steps, eligibility categories, and the documents needed to obtain a Green Card and change your life in the United States.
Eligibility categories for the Green Card
There are several paths to obtain a green card. To know which one to take, you need to be clear about both your immigration status and the eligibility category that applies to your profile.
Family-based Green Card
The first category refers to permanent residence granted through immediate family members who already have legal status in the United States.
It is divided as follows:
- Immediate relatives of U.S. citizens: spouses and unmarried children under 21.
You must wait for approval of Form I-130 and then apply for residence; there is no annual cap.
- Family preference category: unmarried children over 21 of citizens; spouses and children of permanent residents; married children of citizens; and siblings of citizens.
You must file Form I-485. For this, you must wait until your priority date becomes current on the Visa Bulletin. Otherwise, you can only file the I-130.
Employment-based Green Card
- EB-1 visa: individuals with extraordinary ability, such as distinguished professors or researchers.
- EB-2 visa: accomplished professionals with an advanced degree and exceptional ability.
- EB-3 visa: skilled workers, professionals, and “other workers.”
- EB-4 visa: special categories such as religious workers, U.S. government employees, members of the Armed Forces, among others.
- EB-5 visa: for investors who allocate substantial funds to businesses that create at least 10 jobs in the country.
Process to obtain a work-based visa
- The employer files the PERM Labor Certification, demonstrating that there are no qualified or available U.S. workers for the position. To do this, they must submit Form ETA-9089 to the Department of Labor.
- Once employment authorization is obtained, the employer must file Form I-140 with USCIS, along with the approved PERM certification.
- The employee must apply for adjustment of status via Form I-485 (if in the United States) or do consular processing at a U.S. embassy.
- For the EB-2 visa, applicants may choose the National Interest Waiver (NIW), which eliminates the need for PERM.
Remember that to work legally in the United States you must obtain an SSN. Before obtaining residence, migrants often use an ITIN to file their tax returns.
Green Card for special immigrants
- VAWA visa: victims of abuse by a U.S. citizen or permanent resident.
- SIJ visa: minors who have been abused or abandoned by their parents.
- In both cases, applicants must file Form I-360.
Green Card through refugee or asylee status
- People admitted through an asylum claim or refugee status, as well as their immediate family members.
- In both cases, applicants must be physically present in the United States for at least 1 year and then file Form I-485.
Other categories
In addition, there are other less common categories:
- Diversity Visa (Green Card Lottery): an annual lottery of up to 50,000 slots. Selectees receive a consular interview, though it does not guarantee a visa.
- Cuban Adjustment Act: a special adjustment program for Cuban nationals.
Each category has different eligibility requirements and processing times, so it is very important to consult U.S. government guidance and, if needed, seek the support of an immigration attorney.
Steps to apply for a Green Card
Once you know, in broad strokes, the requirements to obtain a Green Card, you need to be clear about the application process you must follow.
Determine eligibility
Before starting any process, review the categories above and determine which best fits your profile—family, employment, special immigrants, etc.
We recommend reviewing the Visa Bulletin to verify the documents required for your category and ensure you have them.
File the initial petition
Once you are clear on the category that applies to you, you must file the form indicated for that category, along with the required supporting documents, for example:
- Valid passport (required for any category).
- Evidence of the family relationship, such as birth or marriage certificates.
- Job offer letter.
Adjustment of status or consular processing
After your corresponding form is approved, you must apply for adjustment of status or consular processing and pay the fee required by the Department of State.
- If you are in the United States, file Form I-485 along with evidence of eligibility.
- If you are in another country, you must submit the DS-260 at a U.S. consulate. This is the immigrant visa application for permanent residence.
Interview and biometrics
In the next step, you must attend an adjustment-of-status appointment, at which USCIS will take your fingerprints, biometrics, photo, and signature.
You must also attend an interview to answer questions related to your eligibility category.
Receiving the Green Card
Finally, your Green Card will be mailed to your address. Make sure to check that all details are correct and keep it in a safe place.
After some time, you may apply for citizenship if you meet the necessary requirements.
Maintaining and renewing the Green Card
Once you have your green card in hand, you must keep track of renewal periods to avoid issues after the expiration date.
Renewal and replacement
- A regular Green Card is valid for 10 years.
- To replace your Green Card, you must file Form I-90 at least 6 months before the expiration date.
- The same form is also used in case of damage or loss.
Removal of conditions
- Applies to conditional residents with a 2-year Green Card, generally based on a recent marriage to a U.S. citizen.
- File Form I-751 for marriage-based cases or the corresponding form for your category.
- You must submit the documentation required by USCIS, as well as attend an additional interview.
Important rules
- If you change your address, be sure to report it to USCIS promptly.
- If for any reason you need to spend more than 6 consecutive months outside the United States, be sure to obtain a reentry permit (Advance Parole or Reentry Permit). Otherwise, you could risk losing your residence.
- Refrain from actions considered abandonment of residence, such as surrendering the card or voting in foreign countries.
- Keep an eye on your Green Card’s validity and renew it when appropriate.
Organize your financial life in the U.S. with Común
As you can see, the process of obtaining a Green Card is long and exhausting. Therefore, it is essential to understand the different categories, steps, forms, and the key points to maintain your permanent residence.
Another relevant point for improving your stay in the United States is having partners who understand your needs.
We present Común, the financial platform that addresses day-to-day needs through an intuitive mobile app, where you can easily open an account with qualifying official identification from your country of origin.
It also offers remittance services to several countries, helping your family receive more for less.
- Open a secure account with clear and competitive fees.
- Receive deposits and send remittances home.
- Get a debit card for daily expenses and financial control.
- Ability to save and plan your finances as you settle in the United States.
Open your account with Común today and get financial services tailored to you.
Frequently Asked Questions (FAQ)
If you still have questions, consult our FAQs.
Can I travel outside the U.S. while my application is in process?
You need to obtain Advance Parole (Form I-131), since leaving the country could cancel your application.
When can I apply for citizenship after obtaining a Green Card?
You must be a permanent resident for at least 5 years, or 3 if based on marriage, and have lived continuously in the United States and fulfilled tax obligations.
How long does the Green Card process take?
It depends on the category and whether you apply inside or outside the country. In general, the wait time is approximately 1 to 3 years.
How much does it cost to apply for a Green Card?
The cost varies by category. Check USCIS’s fee calculator to get a clear figure.
What is the difference between the I-485 and the DS-260?
The I-485 is the adjustment-of-status application to permanent resident filed within the United States, whereas the DS-260 is the immigrant visa application filed from another country.
What happens if your Green Card is denied?
You can appeal the decision via Form I-290B or refile the application.
Immigration
How much does it cost to renew permanent residence in the U.S.?
8 min de lectura
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.
Financial Education
Digital Banks in the United States: How to Open Your Account Easily and Quickly
8 min de lectura
Digital Banks in the United States: A Clear Guide to Opening Your Account
Having access to affordable financial services with features that let you carry out multiple operations in one place is essential for immigrants living and working in the United States.
Digital banks are a comprehensive solution that combines financial management with mobile technology to streamline processes compared with traditional banks.
These features are especially beneficial for immigrants looking for an alternative to access services that are often less feasible through institutions with physical branches.
In this guide, we explain why you should consider integrating digital banking into your lifestyle, how to open an account, and options for digital banks in the United States.
What Is a Digital Account and How Does It Work?
A digital account is a financial product that operates entirely online through mobile applications and digital platforms (website), removing the need to travel to a physical location to complete banking operations.
Here are some benefits of digital accounts.
- Mobility and 24/7 access from anywhere: they are not limited to teller hours and allow transactions at any time and place.
- Convenience for making payments and international money transfers: they allow sending money within and outside the country quickly.
- Security and transaction control from the app: they include safeguards to prevent misuse of personal data and crimes such as fraud.
How to Open a Digital Account in the United States Step by Step
Opening a digital account is usually simpler than with traditional financial institutions—not only because it can be done from a mobile device, but also due to flexible requirements that allow immigrant communities to access financial services with the same quality standards.
These are the steps to open a digital account in the United States.
Required Documents
Unlike traditional banking services, you can open a digital account with documents you use day to day.
- Official identification from your home country (valid passport, consular ID, driver’s license).
- In some cases, proof of address in the United States.
Account Opening Process
Once you have your documents ready, follow these steps.
Step 1. Register on the digital platform/mobile app.
Go to the digital bank’s website or mobile application of your choice and enter your personal information to register.
Step 2. Identity Verification and Approval.
For security reasons, digital banks require an identity verification process that includes submitting an official ID, a selfie, and, in some cases, facial recognition.
Step 3. Account Activation and Access to the Mobile App.
Once the digital bank verifies your identity, you’ll receive an activation notice. Immediately afterward, you can access all services, set up direct deposits, send money in real time, and manage your finances.
U.S. Financial Platforms Recommended for Immigrants
If you’re wondering which digital platform for immigrants is ideal, there are several effective options, so it’s best to compare them and choose the one that best fits your expectations.
Común
Fees: Affordable fees for international money transfers to Latin America.
Ease of use: Open an account from a mobile device with a qualifying official identification from your home country.
Spanish support available: offers 24/7 customer service also available in Spanish via WhatsApp or the mobile app itself.
Mobile access: you have access to a mobile app for comprehensive financial management.
Zelle compatibility: not integrated.
Ally Bank
Fees: most accounts do not charge monthly maintenance fees. Approximately $20 for domestic wire transfers.
Ease of use: a 100% digital platform offering a mobile application and a website.
Spanish support: limited Spanish-language service.
Mobile access: service compatible with mobile devices.
Zelle compatibility: integrated.
Wells Fargo
Fees: maintenance and overdraft fees vary by account type.
Ease of use: offers mobile banking, online banking, and a digital assistant.
Spanish support: available.
Mobile access: full mobile features.
Zelle compatibility: integrated.
Revolut
Fees: charges a 1–3% fee for adding money via credit or debit card.
Ease of use: offers comprehensive, easy-to-use digital products.
Spanish support: you can change the app language, but there is no Spanish-language support.
Mobile access: fully available.
Zelle compatibility: not integrated.
Mercury
Fees: offers international USD transfers at no additional cost.
Ease of use: focused on corporate and tech companies.
Spanish support: not available.
Mobile access: fully available, but more focused on web dashboards.
Zelle compatibility: not integrated.
Cash App is another efficient financial platform—here we explain its benefits.
The Importance of Using Your Account Safely and Efficiently
Although digital platforms offer security measures to protect your assets, it’s always wise to keep the following recommendations in mind to reduce risks.
- Set up transaction notifications and security alerts: they help you stay on top of your activity and detect any suspicious behavior.
- Use strong passwords and enable two-step verification: this reduces the risk of falling victim to hackers.
- Review activity regularly and learn to identify suspicious alerts: check text messages and transaction notifications, and report any unrecognized charges immediately.
- Take advantage of the mobile app’s functionality for quick and reliable transfers: send and receive money easily within and outside the United States.
Discover Común, the Financial Option for Immigrants
In this article, we presented a practical alternative to traditional institutions so you can decide which digital bank in the United States fits your needs.
Común is not a bank, but a digital platform, it offers a mobile app and a debit card that work together to provide a service ideally for the immigrant community.
You can open an account with qualifying official identification from your home country and a mobile device to access the financial service you deserve.
Open your account with Común and start sending, receiving, and withdrawing money.
Frequently Asked Questions (FAQ)
If you still have questions, see the section below.
Can I open a digital account without a Social Security Number?
Unlike traditional banks, digital accounts often have more flexible requirements, and it may be possible to open one with a qualifying official identification from your home country and, in some cases, proof of address in the United States.
Are digital banks in the U.S. safe?
Yes, digital banks in the United States have security measures such as two-step verification and encryption. It’s advisable to apply all possible security measures, such as using a strong password and enabling notifications.
Living in the United States
Get a job in the USA: 10 websites to apply today
8 min de lectura
For the immigrant community, the job search is an essential step in the process of adapting to a new life in the United States; in most cases, it involves a significant investment of time and resources across different platforms.
According to recent data, around 30.9 million foreign-born people work in the USA, representing 19% of the country’s active workforce.
The job market in the United States continues to be a notable option due to the opportunities to improve one’s standard of living.
For this reason, here we explain how to look for a job in the United States on different websites according to your professional profile, and we give you some tips to make your resume stand out from the rest.
Websites to look for jobs in the United States
Today, the internet makes it easier to look for job opportunities thanks to the variety of websites and applications devoted to posting and managing job boards for a large number of companies looking for all kinds of profiles.
Main websites to look for jobs
Below is a list of the most effective online job search sites for immigrants, with their features.
Indeed
Indeed is one of the most popular websites for looking for jobs in the United States. It lets you upload your résumé and personal information to apply to job postings of interest with one click.
LinkedIn is another widely used job-search platform, due to the number of registered users and the ability to search for specialized jobs with professional requirements and language skills.
It also functions as a social network to share content with other contacts and to build networking with employers and applicants.
Glassdoor
Glassdoor is a website with thousands of available job postings across a wide range of profiles. Its advantage is that it allows current and former employees to review companies anonymously and share their experiences with future job applicants.
Monster
Monster is one of the oldest websites for looking for jobs in the United States. It offers different tools: résumé creation and job interview practice, among others.
It includes numerous job postings from different sectors, and even opportunities that do not require work experience.
ZipRecruiter
ZipRecruiter is another competitive alternative for job searching, since it leverages artificial intelligence to connect employers with candidates according to their profiles and specific requirements.
Job boards for more specific profiles
On the other hand, there are various portals that post job opportunities for more specific profiles, which generally require professional studies and several years of experience.
USAJobs
USAJobs is the official job-search website of the U.S. Government. It is an excellent alternative for those who have legal residency or citizenship in that country and are looking for a stable job with federal benefits.
FlexJobs
FlexJobs is a website that facilitates the search for remote work, ideal for freelancers and for those seeking a more flexible modality than the traditional employment scheme.
TheMuse
TheMuse focuses on posting creative profiles and fostering workplace culture. Candidates can access employee reviews and interviews with company executives. In addition, it is a portal that promotes inclusion, a positive aspect for immigrants.
Upwork
Upwork is a website oriented toward remote work, especially in writing, digital marketing, programming, and design. The advantage is that it is ideal for people outside the U.S., since it does not require a work visa if you operate from your home country.
Fiverr
Fiverr is one of the most well-known global platforms for remote work. It stands out because, in addition to searching among posted job offers, you can also offer your services and set rates.
As you can see, whether in-person or remote work, there is a wide variety of options to work in the United States. Don’t miss our article “How to make money in the USA?” and discover how to generate additional income in the U.S.
Tips for finding a job quickly and without complications
Looking for a job is often exhausting due to high competition and a saturated labor market—not to mention the challenges of job hunting in another country.
For each of the platforms mentioned, there are tricks to make your application more relevant and help you stand out among the multitude of applicants seeking the same opening as you.
Below is a list of strategies to make your job search in the United States easier.
Create a complete résumé with keywords relevant to the role
It is important to tailor your résumé to the type of job you are seeking and optimize it according to the skills requested by companies.
To ensure you have an optimized résumé that passes HR recruiting filters, you can rely on tools like resume.io, which even recommends how to generate a cover letter with AI.
Activate job alerts so you can be the first to apply
Be sure to activate job alerts based on your preferences so job postings arrive in your email. Some platforms also offer a premium subscription to give your profile greater visibility.
Research companies before applying
It is essential to research the companies you apply to, not only to ensure they are legitimate postings, but also to understand how your profile fits and what you can contribute with your work experience.
Avoid scams and postings that request payments
Avoid making payments to employers during the hiring process, even if requested. If you suspect a fraudulent offer, report it directly to the website.
Keep a record of the openings you have applied to
It is advisable to create a personal database to keep track of the openings you have applied to, especially if you are using multiple websites. There you can create different tabs to manage your processes, such as: résumé sent, interview scheduled, pending, negotiation in progress, among others.
Común: your financial ally to receive your salary while living in the U.S.
Although looking for a job in another country can seem complicated, there are tools and strategies that make the process easier so you can stand out among applicants.
When you get the desired position and start earning money in the United States, you will need an ally to help you manage your salary efficiently through a bank account.
Meet Común, the digital platform that accepts official IDs from your country of origin to open your account and that allows you to manage your finances.
Frequently Asked Questions
Good luck with your search! Do you have more questions? Check our frequently asked questions section.
Do I need a work permit?
Yes. To work legally in the U.S. you need work authorization, although there are remote options that allow you to operate from your country of origin.
What should I know before looking for a job in the United States?
It is important to review the basic documents required to work in the United States and the labor rights in this country.
What are recruiting agencies?
Recruiting agencies for working in the United States are intermediaries that connect companies with qualified candidates according to the requested profiles.
Is it possible to work in the United States without knowing English?
Yes, it is possible, such as in the construction, agriculture, or cleaning industries.
Instant payments
Safe and fast ways to send money without a bank account
8 min de lectura
Did you know it is possible to send money without having a bank account? The lack of access to financial services is a problem that negatively affects the quality of life of thousands of immigrant workers in the United States.
For example, according to a recent survey, the rate of the Latino community in the United States without a bank account dropped from 15% to 10% over the last two years. However, it remains high compared to the national average of 4.5%.
While having a bank account facilitates financial transactions such as transfers, in-store payments, and online purchases, there are now alternatives that allow you to access banking services without needing an account.
Below, you will discover how to transfer money from one card to another without an app or bank account, as well as the safest and simplest methods available to you.
Sending Money Online
Not having a U.S. bank account is not an obstacle to sending money domestically or internationally, as there are methods widely used among immigrant workers who regularly send remittances and conduct other transactions using prepaid cards and cash payments.
International Money Transfer Providers
This is one of the most popular ways to send money without a bank account due to the accessibility, variety of payment methods, and broad coverage typically offered.
International money transfer providers are companies that specialize in facilitating money transfers from one country to another. The key features of these services include:
- Specialization in international money transfers, unlike traditional banks, which have certain limitations, such as high commissions, unfavorable exchange rates, extensive delivery time, and participation of intermediaries that increase costs.
- More affordable fees.
- Various sending methods.
- Multiple Money Transfers Locations
How to Send Money Without a Bank Account Through an International Transfer Platform
Comun allows you to send money to your loved ones for a modest transfer fee starting at USD 2.99 up to the applicable limits. It is very simple; just follow these steps:
1. Open your account with Comun; it will only take a few minutes!
2. Choose the most convenient delivery method for your recipient, such as cash pick up at a physical store like Oxxo, Grupo Elektra, 7 Eleven, and more.
3. You may also send money directly to a bank and have it picked up at one of its branches.
4. Track the delivery directly in your Comun mobile application.
Comun is an excellent option for our community, as it provides Spanish-language service, which is highly appreciated by the immigrant community. Open your account today and start sending money without complications.
What Information Do You Need to Send Money Without a Bank Account?
To send money without a bank account, you only need the following information about your recipient:
- Full name of the recipient, exactly as it appears on their official ID.
- Recipient’s phone number.
- If the transfer is made to a bank account, you will also need:
- Recipient’s address.
- Bank account number, depending on the receiving country.
P2P Services
P2P (peer-to-peer or person-to-person) services allow immediate money transfers between individuals without intermediaries. These options are useful for everyday needs such as paying rent, shared services, splitting transportation costs, and sending money to your relatives in the US or internationally.
How to Send Money Without a Card Using P2P Services
- Choose a reliable provider, such as Cash App or Venmo.
- Enter the recipient’s phone number in the mobile app.
- Confirm the transaction and track it.
Sending Money by Mail
Other alternatives involve sending a cashier’s check, a certified check, or a money order through the postal service.
Cashier’s Check
This type of check is issued with the bank’s funds. The customer must pay in cash or directly from their account, and the check is made payable to the recipient.
Certified Check
This check is issued using the customer’s funds. The issuer must have a bank account so that the bank can verify the availability of funds. The recipient may cash the check directly at a bank branch.
Money Order
Another way to send money without a bank account is by using a money order, which is a type of prepaid payment order. To do so, you will need to:
1. Go to a post office or authorized retailer, such as USPS or Walmart, to purchase a money order.
2. Write the beneficiary’s name in the “pay to the order of” section.
3. Write your name in the “purchaser” section.
4. Sign in the space designated for the purchaser, generally on the front of the document.
5. Keep the receipt with the serial number.
6. Pay the amount to be sent plus applicable service fee.
7. Send the money order via regular or certified mail.
8. Write the recipient’s address in the center of the envelope and the sender’s address in the upper left corner.
9. Purchase a postage stamp at the post office and attach it to the envelope.
10. Drop off the envelope at the post office.
The recipient may cash the money order at an authorized branch upon presenting valid personal identification.
The downside of this alternative is that it takes longer to arrive, as it relies on a traditional mailing method.
Sending Money With Prepaid Load
There are other options available to send money without a bank account, such as prepaid cards and mobile applications.
Reloadable Prepaid Cards
Reloadable prepaid cards function similarly to debit cards, with the main difference being that they are not linked to a bank account. They also allow you to pay for services and make online purchases.
To send money using a prepaid card, you only need to:
1. Identify an international money transfer service that supports prepaid cards, such as Western Union or MoneyGram.
2. Select your preferred provider and choose the prepaid card option on their website.
3. Enter the recipient’s information, making sure it is compatible with the selected platform.
4. Confirm the transfer and pay the amount plus the applicable service fee.
Done! The recipient will receive the money on the prepaid card as if it were a bank transfer.
Mobile Wallets/Applications
Lastly, you may opt for mobile wallets or applications that offer money transfer capabilities. Some examples include Cash App, Venmo, and Remitly, which provide access to an mobile app you can use to send and receive money.
These applications do not require a bank account and are user-friendly. Some also offer physical cards that function similarly to debit cards.
7 Essential Tips for Sending Money Without a Bank Account
1. Verify the Identity and Information of the Recipient
Ensure that the recipient’s information, such as name, account number, or phone number, is entered correctly. Any discrepancies could prevent the recipient from collecting the funds.
2. Compare Fees and Exchange Rates
Each provider has its own rates depending on the receiving country, amount, and exchange rate. Remember, with Comun you do not pay excessive fees, and you ensure your family receives more for less.
3. Know the Sending Limits
Some platforms have sending limits that should be considered before selecting a service. For instance, Western Union has a daily limit of USD 7,499, while Cash App allows up to USD 7,500 per week for verified accounts.
4. Keep All Receipts and Reference Numbers
Even though these methods are secure, it is important to keep receipts and reference numbers in case a clarification or issue arises.
5. Use Reputable and Secure Services
It is essential to ensure that you use a trusted service. Check online reviews and verify that the provider has an official website and/or physical offices.
6. Be Cautious of Scams
Unfortunately, scams are common around financial services. No legitimate institution will request passwords or verification data. Always access official websites. If in doubt, visit an authorized branch.
7. Consider Delivery Time
Most options allow you to complete transfers in minutes, but some may take several days. Consider this before choosing your preferred service.
Frequently Asked Questions
Is it safe to send money without a bank account?
Absolutely. Comun is backed by leading financial institutions to protect your funds up to the applicable limits. Additionally, you can track your transfer directly through the Comun mobile app.
How much does it cost to send money without a bank account?
Comun offers a transfer fee starting at USD 2.99, regardless of the amount you send up to the applicable limits. Your first transfer is commission-free!
How long does it take for the money to arrive?
Cash is typically available within approximately 1 hour at the selected store or bank branch.
What documents do I need to send/receive money without an account?
You need the full name of your recipient, and they must present official identification.
Financial Education
Digital wallet: what it is, how it works, and how to use it in the U.S.
8 min de lectura
If you’re looking for a safe, simple way to manage your money, a digital wallet could be the ideal complement to your finances. It’s a mobile application that lets you bring together your cards and other financial products in one place.
In recent years, it has become a key tool for digital money management due to its convenience and security.
Below we explain in detail what a digital wallet is, common uses, advantages, and some examples of the most popular digital wallets in the United States.
What is a digital wallet and how does it work?
A digital wallet is an application for Android- or iOS-compatible devices that securely stores credit or debit card details, or bank account information and lets you access it quickly and safely to make digital payments and other transactions.
How it works is simple: you register your banking information in the app, where it’s encrypted to keep it secure and prevent third-party access. This lets you make electronic payments in seconds through several methods—scanning a QR code, using a smartphone with NFC technology, or selecting the digital wallet at checkout for online purchases.
There is a wide variety of digital wallets in the United States; the most popular include Apple Pay, Google Wallet, Samsung Pay, and PayPal.
Most common uses of a digital wallet
A digital wallet simplifies day-to-day transactions for the thousands of immigrants living in the United States. These are the most common uses of this type of tool:
Pay in-store and online
Using a digital wallet in a store is easy as long as the merchant accepts contactless payments. In that case, simply enable NFC on your phone and hold it near the payment terminal. The payment will process automatically without entering additional information.
To pay online, first make sure you’ve added your bank accounts to the wallet’s mobile app. Then go to the product or service page and choose your digital wallet as the payment option. You may be prompted to enter an authentication factor for security.
Send money to family and friends
Another common use of digital wallets—especially among immigrant users in the U.S.—is sending remittances quickly to their home countries. Depending on the app, these can be less costly than traditional banks.
Store cards and documents
A digital wallet is also a handy organizational tool for keeping not only financial products like debit and credit cards, but also other digital items such as transit cards, tickets, and discount coupons.
Manage your money better
These applications also make it easy to keep your finances organized, create monthly budgets, and stay on top of day-to-day transactions.
4 advantages of using a digital wallet
Managing your financial products with a digital wallet has several notable benefits that can completely change how you make digital payments.
1. Security: lower theft risk compared with carrying cash.
Carrying cash is always riskier than digital options because of loss or theft. A digital wallet removes the need to depend on cash and streamlines payments online and in physical stores.
In addition, your personal information is encrypted so only you can access it. You can also add app-level security like biometrics and passcodes, facial recognition, and Touch ID.
2. Convenience: everything is on your phone, without carrying multiple cards.
Beyond avoiding cash, a digital wallet also means you don’t need to carry physical cards everywhere—you can add your accounts in the digital wallet app and pay from your mobile device.
3. Financial inclusion: ideal for immigrants without easy access to traditional banks.
A common challenge for immigrants newly arrived in the United States is meeting the requirements to open a traditional bank account. In contrast, a digital account would be far more accessible option for everyday essentials like receiving money, paying bills, and sending remittances to Latin America quickly and easily.
4. Financial control: lets you review expenses and organize money more clearly.
With a digital account, you can more easily track your money by enabling notifications on your phone to stay aware of every payment.
It can also log all your transactions and help maintain a monthly budget to ensure your money covers your U.S. expenses while supporting family in Latin America.
Examples of popular digital wallets in the United States
- Apple Pay
This is Apple’s official payments service and is built into all its products by default, such as iPhone and Apple Watch. One major advantage is that more than 85% of merchants in the United States accept it.
Its wide acceptance makes it very convenient for immigrants, whether for everyday shopping or paying monthly bills.
It also offers Apple Cash, which functions like a digital card and allows sending and receiving money, but it’s only available in the United States.
- Google Wallet
This is a virtual wallet available to Android mobile users. It’s a more complete option than its predecessor Google Pay, with features such as tap-to-pay.
It’s very useful for immigrants because it also stores official documents like licenses and various IDs.
- PayPal
PayPal is one of the most popular digital wallets not only in the U.S. but worldwide. It lets you store payment information easily, and sending money to other countries is straightforward thanks to its wide coverage.
- Cash App
Cash App is an application that lets registered users send and receive money. It may be a suitable alternative if you need a debit card and ATM withdrawals.
Manage your money as an immigrant with Común
In this article we showed you that a digital wallet is an application to store all your financial information in one place, plus the advantages, how they work, and the most popular brands in the United States.
If you want to simplify your finances, get to know Común, the platform that offers you:
- A checking account with clear, competitive fees.
- A debit card you can link to a digital wallet.
- Fast money transfers with affordable fees.
- Mobile banking available in Spanish and English
Open your Común account today with official ID from your country and start using your digital wallet to manage your money in the U.S.
Frequently asked questions
If you still have questions, see the section below.
What is the most reliable digital wallet?
You can choose options like Apple Pay, Google Wallet, and PayPal, as they have sufficient reputation for handling personal information.
How do I activate a digital wallet?
Download the application via Google Play or the App Store, create an account, add your cards, and complete the necessary verification.
Is it safe to use a digital wallet?
Yes, because they use encryption and tokenization to keep your information secure.
Thousands of immigrants are already achieving more with their money. You can too.
Comun is a financial technology company and not a bank. Banking services are provided by Community Federal Savings Bank; Member FDIC. The Comun Visa® Debit Card is issued by Community Federal Savings Bank, pursuant to a license from Visa U.S.A Inc. and may be used everywhere Visa Cards are accepted.
Comun is a fintech company and not a bank or licensed money transmitter.
* Results may vary. For a complete list of eligible IDs and application requirements, follow this link.
^ No minimums, no maintenance fees. ATM or transfer fees may apply. See app for fee details.
‡ Direct deposit funds are typically available when we receive the payment file, up to two days before the scheduled payment date. This early availability is not guaranteed.
** A service provided by Service UniTeller, Inc. Service UniTeller, Inc. is licensed in all states that require a license. Remittance fees start at $2.99 but may vary. Please check the app for more details. Comun Inc. may earn revenue from the conversion of foreign currencies.
† Funds in your account are FDIC insured up to $250,000 by ownership category through Community Federal Savings Bank (CFSB), Member FDIC, in the event CFSB fails.
