Looking for an effective way to save money in the United States? For immigrants, opening a bank account is an essential step to adapt to the country’s pace of life and to access various everyday financial services, such as receiving payments, sending money, and saving.

For the latter, there are savings accounts which, unlike checking accounts, are a tool to safeguard money in a secure place and grow it through an interest rate or Annual Percentage Yield (“APY”).

More than a list of savings account options in the United States, below we present a practical, comprehensive guide so you can learn to compare key factors such as which banks pay higher interest in the USA, fees, and FDIC backing for greater security.

Best savings accounts in the United States in 2025

One of the qualities of the U.S. financial system is that it includes a large number of institutions offering savings accounts with different advantages and features.

Below, we list some of the high-yield savings accounts in 2025. Please check each bank for the most up-to-date information.

Key factors for choosing a savings account in the United States

Before choosing a savings account, it is very important to compare alternatives at traditional banks, such as Bank of America and Wells Fargo, and digital banks, such as Ally Bank and Capital One.

Annual Percentage Yield (APY)

APY (Annual Percentage Yield) indicates the annual return on your money. This percentage varies depending on the type of financial institution and the type of account.

For example, at traditional banks the APY may be under 1%, while on digital  high-yield savings account options, you can obtain a return above 4%, under certain conditions.

Minimum deposits and balance requirements

Although many digital and hybrid banks do not require initial deposits, traditional banks often do. For example, U.S. Bank requires a minimum deposit of $25 USD to open an account.

Fees and hidden charges

Banks also frequently charge monthly maintenance fees, which can affect the return on your savings.

For example, Wells Fargo requires a minimum balance of $300 USD per month to avoid a $5 USD monthly fee.

Security: FDIC insurance

It is essential to verify that the bank you choose is a member of the FDIC (Federal Deposit Insurance Corporation), because this institution insures deposits up to $250,000 USD per depositor, per insured bank, for each account ownership category in the event of bank failure.

Access and ease of use

It is also very important to assess how easy it is to access the services of the institutions you consider. For example, whether they have mobile banking, access to ATM networks, the ability to make transfers and withdraw money, as well as the account-opening requirements requested for immigrants.

Types of savings accounts in the United States

In the United States there are several types of bank accounts to cover profiles with different expectations and lifestyles. It is essential to understand the particularities of each one so you can choose the most suitable option according to your needs.

These are the main bank account types in the U.S.

Traditional savings accounts

These are savings accounts offered by both traditional and digital banks to keep money with moderate interest rates.

Advantages

• It is possible to make direct deposits and withdraw money.

• Most do not require a minimum opening deposit.

Disadvantages

• Lower interest rates than high-yield options.

• Because of this, your money may lose value against inflation.

• Limited additional benefits compared with other options.

High-yield savings accounts (High-Yield Savings Account)

These are savings accounts distinguished by offering a considerably higher APY than traditional options.

Advantages

• Greater growth of your money, especially in the long term.

• Unlike Certificates of Deposit, these accounts allow you to withdraw money without penalties in most cases.

Disadvantages

• Sometimes it is necessary to maintain a minimum balance to access the highest APY.

• Rates vary over time.

• Not all institutions have physical branches.

Money Market Accounts

These are deposit accounts that combine some features of checking and savings accounts.

Advantages

• They provide greater flexibility and allow the use of checks and debit cards.

• They offer notable interest rates, especially for accounts with high balances.

Disadvantages

• They may require higher minimum balances to open an account or avoid monthly fees.

• Variable interest rates.

• Limits on withdrawals and money transfers at some banks.

Certificates of Deposit (CDs)

These are fixed-term investment instruments starting at 3 months, with a fixed interest rate.

Advantages

• Higher interest rates than regular savings accounts.

• Guaranteed return if you do not withdraw the money.

Disadvantages

• If you need to withdraw your money early, you will have to pay a penalty.

• Generally, you will need to invest a large amount of money to reach a good rate of return.

Tips to get the most out of your savings account

If you really want to see a positive impact on your personal finances, opening a bank account is not enough. You need to learn to use it strategically to see real results.

Follow these simple tips and maximize the potential of your savings account.

• Automate minimum monthly deposits to build discipline.

• Set clear savings goals to build an emergency fund.

• Do not use your savings account for daily expenses; try to have a separate account that allows you to carry out daily transactions easily.

• Look for banks that offer a debit card or integration with international transfers so you can send money to your country of origin without complications.

Manage and grow your money in the U.S. with Común

Throughout this article you learned what a savings account is, the key aspects for comparing and choosing your preferred option—APY, minimum deposit, fees, and FDIC protection—as well as tips to make the most of them and promote financial education.

Común is the financial option designed for immigrants who want to handle their money with clarity and confidence.

Discover why Común is an option designed for your needs:

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

• Get a debit card for daily expenses.

• Send remittances easily to Mexico and other LATAM countries.

• Save and organize your money easily.

Open your account with Común today and start organizing your money safely and simply. Take the next step toward more stable finances in the United States!

Frequently Asked Questions (FAQ)

What is the minimum deposit to open a savings account?

It depends on the bank. Some do not require a minimum deposit, while traditional institutions usually request around $25 USD.

Do all savings accounts have FDIC insurance?

All accounts at FDIC-insured banks have insurance. Exceptions are fintechs that act as intermediaries.

Can a person without a Social Security Number open a savings account in the U.S.?

Many banks accept an ITIN instead of an SSN or, in some cases, a passport or official foreign ID. Please check with the corresponding bank for their identification requirements for opening an account.

Some of the Best States to Live in the United States: Affordable Options with a Good Quality of Life

Although living in the United States comes with several benefits for immigrants, the cost of living in some cities could discourage the dreams of many people in search of better opportunities.

However, not all cities in the United States are characterized by high costs, so it's important to choose a state below the national average in order to have a more affordable life in the country.

In this article, we'll show you a comparison of several relevant factors that will help you choose the right place to live, such as housing, utilities, transportation, and job opportunities.

Factors that influence the cost of living in U.S. states

To determine the cost of living in a city or state, several economic and social factors must be taken into account.

These are the factors that define the cost of living across different states.

Housing and rent

In the United States, housing costs are one of the most significant factors when choosing which state to live in. For example, the average monthly rent for an apartment is approximately $1,630, but in states like California, this figure jumps to $2,634 per month.

Take time to research housing prices in different states, as well as your work and mobility needs.

Utilities and food

It's essential to consider the cost of basic utilities and food before deciding where to live. These include gas, electricity, water, and internet.

Some relevant data to consider: this year the average cost of food rose by approximately 3.2%. Additionally, the national average for utility costs is around $400.

Transportation and mobility

The type of transportation you use also greatly influences the cost of living, whether you use your own car or public transportation. This category represents 15% of the average household expenditure and up to 30% for lower-income families.

Job opportunities and salaries

Generally, states with higher costs of living also offer more competitive salaries. The average annual income in the United States ranges between $63,000 and $80,000, depending on the exact location.

According to the cost of living index, in states like Hawaii and California, the cost of living is up to 40% above the national average.

Before making the final decision on where to live, make sure to carefully evaluate each of these factors and compare different alternatives.

The 9 most affordable states to live in the United States

If you're looking to maintain a good standard of living at an affordable cost, you should know which states have a cost of living below the national average.

Fortunately, there are several examples of states where you can find affordable prices without sacrificing a competitive quality of life.

Here are the 9 most affordable states to live in.

1. West Virginia

This is one of the states with the lowest cost of living in the entire country; the cost of living index is approximately 88.3. In addition to the ease of finding housing, it's quite affordable, with an average monthly rent of around $909.

This state is known for offering job opportunities in various industries, such as mining, energy, and tourism.

2. Mississippi

Mississippi is known as the state with the lowest cost of living in the country, with an index of approximately 85. Housing prices are also affordable: a 2-bedroom apartment costs an average of $1,078.

It's a place with a low cost of living, which allows for greater savings. However, it's important to keep in mind that salaries are also lower compared to other states such as New York.

3. Oklahoma

Oklahoma has a cost of living index of 86, making it a very attractive place to live. The average monthly rent is $1,070, one of the lowest in the country.

Additionally, it offers diverse job opportunities in sectors such as agriculture, energy, and manufacturing.

4. Arkansas

Arkansas is also characterized by a low cost of living, with one of the most affordable rents in the country at approximately $937 per month. It offers opportunities in agriculture and tourism, and also makes it easier to start a business.

5. Alabama

Alabama's cost of living index is close to 88, and the average rent is approximately $1,315. It offers job opportunities in productive sectors, such as automotive and manufacturing.

6. Kansas

Kansas has an index of 88.8 and offers quite affordable monthly rents that hover around $1,082. It provides job opportunities in agriculture, renewable energy, and transportation.

7. Indiana

The cost of living index in Indiana is around 91.0, and the average monthly rent is $1,139. It has a significant industrial and automotive presence, and the cost of living is below the national average.

8. Michigan

The cost of living index in Michigan is around 89.8. The average home price is $262,505, making it a fairly affordable option. Additionally, it offers ample job opportunities in sectors such as automotive, technology, and manufacturing.

9. Ohio

Ohio is characterized by a cost of living 8% below the national average and housing costs 12% lower. It's a state made up of several large cities, so it also has good academic and job opportunities.

Comparison table of cost of living by state

How to choose the ideal state based on your budget and lifestyle

Although affordable costs in a city are crucial when deciding where to live, it's also essential to evaluate your own interests and goals.

We recommend taking these factors into account before starting your move.

• Family budget: evaluate your household income and expenses, as well as the lifestyle you can afford.
• Closeness to community or support networks: make sure you're surrounded by your community and trusted people who can support you when needed.
• Job availability: it's very important that the location has job opportunities for your profile.
• Access to basic services and education: consider the price index of public services, as well as educational opportunities.

Regardless of which state you choose, remember that good financial management is key to successfully settling in the United States.

Manage your finances in the U.S. with the support of Común

In this article, we showed you the factors that influence the cost of living in a place so you can evaluate which is the best state to live in the USA, taking into account the importance of financial management.

Knowing this information will make it easier to plan your daily expenses and meet your personal and family goals.

Común is the financial platform focused on supporting immigrants in the pursuit of financial wellbeing, regardless of which state they live in.

Discover Común and manage your money from any state in the U.S. with clear and competitive fees.

Frequently asked questions (FAQ)

If you still have questions, check the section below.

Which state has the lowest cost of living in the U.S.?

One of the states with the lowest cost of living is Mississippi.

Where can you find more affordable housing?

The most affordable housing is found in states like Mississippi, Arkansas, and West Virginia.

Which states offer a balance between employment and affordability?

States like Indiana, Ohio, and Kansas offer a good balance between employment and affordability.

How do I calculate the cost of living before moving?

It's necessary to compare income, housing, transportation, utilities, and food.

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Ways to Invest Money and Secure Your Future in the United States

One of the constant concerns for people who leave their home country in search of better opportunities in the United States is financial uncertainty, often caused by poor management and a lack of knowledge about effective strategies to grow their money.

Saving products are an alternative that allows you to save money in the long term while earning interest—returns that depend on the term and the rate offered by the financial institution.

Knowing the different ways to save money is a way to ensure financial stability for you and your family. Below, we explain the types of investments and the safest ways to get started. Please note that investment products are NOT FDIC INSURED, NOT BANK GUARANTEED, and MAY LOSE VALUE.

What Does It Mean to Invest Money and Why Is It Important?

Investing means allocating money toward a goal with the aim of obtaining higher returns in the future. You can do it on your own, through a business, or with formal financial instruments that put the contributed money to work to pay interest over defined time frames.

Here are some benefits of using investment strategies:

• Financial security: gives you the confidence of having a savings fund for the future.

• Financial growth: puts your money to work to generate passive income and avoid losing value due to inflation.

• Family support: helps you plan long-term family projects, such as buying a home or paying for children’s higher education.

How to Define Your Goals and Risk Profile Before Investing

Before you begin, keep in mind that all investments involve some level of risk. If you’re a beginner, it’s essential to start at a level that matches your situation.

You should also be clear about your financial goals—the targets you want to reach in the short, medium, and long term.

Risk Profile

A risk profile is an investor’s ability to handle potential losses caused by market fluctuations.

These are the three main types.

Conservative

This profile is ideal for people not familiar with investing, as it involves low risk. Although returns are steady, they tend to be lower than other investment alternatives. Preferred options include savings accounts and short-term investment funds.

Moderate

This profile suits somewhat more experienced investors who are willing to take moderate risk by combining safer investments with slightly riskier ones to obtain better returns.

Aggressive

This profile is for those who have a strong command of investing. They have a high tolerance for losses and aim for high income through significant long-term investments, typically in the stock market, high-yield funds, and real estate.

Determine Your Risk Profile

Next, define the risk profile that aligns with your personal finances and your experience with these instruments.

Follow these tips to help you make a smart investment.

Step 1. Assess Your Current Financial Situation

Take stock of your finances—consider your income, monthly expenses, debts, and existing savings.

Step 2. Determine Your Investment Goals.

Set exactly what you want to achieve and in what timeframe—for example, buying a home, traveling abroad, paying for medical treatment, or simply building an emergency fund. Remember that long-term investments involve higher risk but can also offer higher returns.

Step 3. Decide How Much You Can Invest Initially.

Based on your budget, determine how much you can allocate to your initial investment and whether you can increase it later.

Step 4. Evaluate Your Risk Tolerance.

Analyze your willingness to accept potential losses and their impact on your personal finances.

Here is a comparative table for clarity.

Investment Profile

Risk Level

Time Horizon

Potential Return

Characteristics

Conservative

Low

Long – Medium

Low

Prioritizes safety over return.

Moderate

Medium

Medium – Long

Low – Medium

Balances safety and returns.

Aggressive

High

Long

High

Seeks to maximize long-term gains, with higher risk.

4 Accessible Investment Options for Beginners

A common misconception is that you need a significant amount of money to become an investor. In reality, there are accessible alternatives that let you start with small amounts, easily.

Here are four ideal options to start investing.

Index Funds

Index funds pool money from multiple investors to buy stocks or bonds.

Main Benefits:

• Automated operation.

• Easy diversification.

• Potential for good long-term returns with little effort.

Certificates of Deposit (CDs)

A certificate of deposit is an investment made directly with a financial institution for a fixed term, meaning you cannot withdraw the money during that period.

Main Benefits:

• A relatively secure way to start investing, as it’s offered by financial institutions.

• Generates steady, predictable returns.

Bonds

Bonds are loans to companies or governments that pay interest periodically and generally carry lower risk.

Main Benefits:

• Income is more predictable.

• A good option to diversify alongside slightly riskier investments.

Digital Investment Accounts

An accessible option that allows you to invest from a mobile application.

Main Benefits:

• Let you start with very small amounts of money.

• Very beginner-friendly for entering the world of investing.

Before choosing an investment vehicle, consider your risk profile. If you prefer stability over returns, CDs or bonds may be ideal.

Avoid “putting all your eggs in one basket.” The key to smart investing is diversifying across several instruments, even with small amounts.

Simple Habits to Invest and Review Your Strategy

When you start investing, it’s important to be realistic, stay patient, and remain consistent with your financial goals.

Here are some simple practices to keep your investments on track.

• Review your investments at least every 3 to 6 months.

• Adjust your strategy as your goals or financial situation change.

• Use digital tools to monitor your progress.

Use Común to Manage Your Money Easily as an Immigrant in the U.S.

Financial management is a responsibility you should entrust to an accessible platform.

Meet Común! The financial service that lets you send, receive, and withdraw money within and outside the United States, quickly, simply, and securely. 

Común is a mobile app that allows you to open an account easily with a qualifying official identification from your home country, so it’s a great option for the immigrant community.

Open your account with Común and start sending, receiving, and withdrawing money. Enjoy Spanish and English language support, clear fees, and a digital platform ideal for the immigrant community in the United States.

Frequently Asked Questions (FAQ)

If you still have questions, see the section below. Please note that investment products are NOT FDIC INSURED, NOT BANK GUARANTEED, and MAY LOSE VALUE.

How much money do I need to start investing in the U.S.?

There are quite accessible investment options today, especially digital platforms. Some let you start with amounts as low as $1 or $5, which is ideal for learning to invest.

Is it safe to invest as an immigrant?

Yes—even if you are not a legal resident, you can invest money in the United States. Just make sure to use regulated institutions and platforms.

What if I want to change my investment strategy in the future?

It’s common to change your investment strategy to match your financial goals. Review your investments periodically and make the necessary adjustments according to the applicable timelines.

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

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

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

Main Package Delivery Services from the United States to Mexico

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

United States Postal Service (USPS)

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

Priority Mail Express

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

• Time: 3–5 business days.

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

Priority Mail

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

• Time: 6–10 business days.

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

First-Class Mail

• Delivery prices: starting at $14.05 for envelopes.

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

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

Private Courier Companies

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

FedEx

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

• Time: 3–5 days for express service.

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

UPS

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

• Time: 2–5 business days.

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

DHL

• Delivery prices: international shipments starting at $50.

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

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

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

Company

Type of Service

Estimated Cost

Average Time

USPS

Priority Mail Express

From $59.50

3–5 business days

USPS

Priority Mail

From $30.90

6–10 business days

USPS

First-Class Mail

From $14.05 for envelopes

7–20 business days

FedEx

International Express Service

Prices vary depending on size and weight

3–5 business days

UPS

International Express Service

Prices vary depending on size and weight

2–5 business days

DHL

International Express Service

Prices vary depending on size and weight

2–5 business days

Factors That Affect the Price and Delivery Time of Your Package

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

Package Weight and Size

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

ZIP Code and Destination Location

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

Type of Service Selected

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

Peak Seasons and Holidays

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

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

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

Step 1. Check Customs Restrictions

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

Step 2. Pack and Label Your Package Properly

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

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

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

Step 4. Keep Your Tracking Number and Shipping Receipt

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

Tips to Save Money and Time on Your International Shipments

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

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

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

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

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

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

Send Packages to Mexico and Manage Your Finances with Común

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

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

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

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

Frequently Asked Questions (FAQ)

If you still have questions, check the following section.

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

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

How do I track my package?

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

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

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

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Everything you need to know to renew your Mexican passport

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

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

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

Why keeping your Mexican passport valid matters

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

Why is it important to renew your passport?

• Avoid travel delays 

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

• Handle consular procedures 

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

• Serves as official ID 

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

• Avoid legal issues 

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

Who can renew their Mexican passport in the United States?

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

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

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

Adults (18 and over) 

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

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

Minors 

For minors, renewal involves a few additional steps. 

Additional documentation:

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

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

People with disabilities 

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

Additional documentation: 

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

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

5 requirements and documents needed to renew your Mexican passport

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

1. Previous passport 

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

2. Certified birth certificate 

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

3. CURP 

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

4. Required payment 

Note the latest update to Mexican passport government fees. 

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

Passport validity

Consular fee in U.S. dollars

3 years

$99.00

6 years

$133.00

10 years

$203.00

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

5. Original identification 

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

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

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

Step 1. Book the appointment 

Booking an appointment is essential to renew your passport. 

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

Step 2. Prepare your documents 

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

Step 3. Attend the appointment

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

Additional tips to renew your Mexican passport without setbacks

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

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

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

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

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

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

Común: the next step after renewing your passport

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

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

Why choose Común as your financial ally?

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

• Mobile app available in Spanish, intuitive and secure.

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

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

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

Frequently Asked Questions (FAQ)

If you still have questions, see this section.

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

Yes, credit card is an accepted payment method.

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

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

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

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

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

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

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

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Entendiendo las Transferencias de Dinero Internacionales

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

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

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Eligiendo el Servicio Correcto: Factores a Considerar

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

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

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Guía Paso a Paso para Enviar Dinero al Extranjero

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

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

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

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Manda dinero a tu país
de manera segura⁴

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

Abre tu cuenta

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Estrategias Efectivas en Costos para Transferencias Internacionales

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

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

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

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

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Consideraciones Culturales y Prácticas al Enviar Dinero al Extranjero

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

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Comun: banca segura con envíos al extranjero

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

Sin comisiones por balances mínimos

Recibe tu sueldo hasta 2 días antes³

Manda dinero a tu país de manera segura

¡y mucho más!

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Conclusión

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

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

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

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

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

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

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

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

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

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

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

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

• Length

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

• Focus on Quantifiable Achievements

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

• No Photo, Age, or Marital Status

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

• Use of Keywords to Pass ATS Filters

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

• Format

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

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

7 Steps to Create a Resume in the United States

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

Step 1. Choose the Right Format

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

Step 2. Fill in Your Contact Information

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

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

Step 3. Write Your Professional Summary

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

Step 4. Clearly Present Your Work Experience

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

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

• Highlight measurable achievements in each position.

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

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

For example: 

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

Step 5. Your Education

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

Step 6. Highlight Your Skills

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

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

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

Step 7. Optional Sections

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

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

Example of a U.S. Resume

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

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

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

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

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

Here are some things to avoid when writing your resume.

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

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

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

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

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

Común, Your Ally for Financial Stability in the United States

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

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

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

Discover All the Benefits of Común!

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

• Mobile app available in Spanish and English.

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

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

Frequently Asked Questions (FAQ)

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

Is It Necessary to Include References in the Resume?

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

What Are the 3 Most Important Details in a Resume?

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

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

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

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How to call Mexico from the United States easily and affordably

There’s no doubt about the impact the Mexican community has had in the United States due to the number of immigrants who have arrived in recent decades and who, despite the distance, need to stay in touch with their loved ones.

One of the most common points of confusion when making an international call has to do with the order of the required codes. However, with the right information, placing a call from the United States to Mexico is very simple.

Below, we’ll show you step by step how to dial, practical examples for major cities, as well as modern options to save money no matter how long you’re on the phone with your loved ones in Mexico.

Basic steps to call Mexico from the USA

To connect a phone call from the United States to Mexico, you need three basic pieces of information: the exit code, Mexico’s country code, and the local number.

These are the steps to call Mexico.

Dial the international prefix

011 from a U.S. landline or “+” from a mobile phone.

Add Mexico’s country code

The code is 52.

Dial the 10-digit national number

Include the area code plus the local number

Practical examples:

• Mexico City: 011 + 52 + 55 123 1234
• Guadalajara: 011 + 52 + 33 123 1234
• Monterrey: 011 + 52 + 81 123 1234

It’s important to clarify that it used to be necessary to add the prefix 1 for cell-phone calls, but this requirement was eliminated in 2019.

Area codes and example calls to Mexican cities

In Mexico, each city has an area code (lada) made up of 2 or 3 digits. Taking that into account, all Mexican phone numbers have 10 digits in total.

Below is a table with examples of how to dial from the United States to Mexico.

City

Area Code

Dialing example from the United States

Mexico City 

55

011 + 52 + 55 + ########

Guadalajara

33

011 + 52 + 33 + ########

Monterrey

81

011 + 52 + 81 + ########

Puebla

222

011 + 52 + 222 + #######

Tijuana

664

011 + 52 + 664 + #######

León

477

011 + 52 + 477 + #######

Querétaro

442

011 + 52 + 442 + #######

Mérida

999

011 + 52 + 999 + #######

Cancún

998

011 + 52 + 998 + #######

Chihuahua

614

011 + 52 + 614 + #######

Modern and more affordable options for calling Mexico

Long-distance calling used to be very expensive, especially when made directly— a drawback for people who wanted to keep in touch with family abroad since costs were charged per minute.

Fortunately, today you can choose far more affordable alternatives that also offer unlimited minutes and other communication benefits such as messaging and video calls.

These are the most popular low-cost options for calling Mexico from the United States.

VoIP apps and services over Wi-Fi

VoIP (Voice over IP) apps are one of the most accessible alternatives for communicating with people worldwide.

The main advantage of mobile apps is that they allow domestic and international calls over a Wi-Fi or data connection. This significantly reduces costs and eliminates the need for local phone coverage, though a good internet connection is important.

WhatsApp is a popular app of this kind, given its large user base and a variety of features beyond calls, such as voice notes, voice dictation, video notes, and video calls.

Other similar alternatives include Skype, Google Voice, and Telegram.

International plans from your carrier

If you want to make long calls and not rely on Wi-Fi, a recommended alternative is to get an international plan with included or unlimited minutes to Mexico.

For example, Verizon Global Calling has a plan that includes unlimited minutes to Mexico and Canada.

If you’re still in Mexico, Telcel offers international roaming packages and eSIM for travelers.

Prepaid calling cards

Another solution for calling Mexico is using a prepaid calling card.

Here are some examples.

Company | Cost | Validity/Expiration Enjoy Prepaid | From 0.9¢/min to landlines, 2.9¢/min to mobiles. | After 183 days of inactivity. BOSS Revolution | 1.9¢/min to landlines and mobiles. | Credit remains while the user is active. Calling Card Plus | From 0.8¢/min to landlines and 2.5¢/min to mobiles. | Depends on the plan; may include per-minute rounding or a weekly charge.

Company

Cost 

Validity/Expiration

Enjoy Prepaid

From 0.9¢/min to landlines, 2.9¢/min to mobiles. 

After 183 days of inactivity.

BOSS Revolution

1.9¢/min to landlines and mobiles.

Credit remains while the user is active

Calling Card Plus

From 0.8¢/min to landlines and 2.5¢/min to mobiles.

Depends on the plan; may include per-minute rounding or a weekly charge.

Bundles with included minutes

A bundle is a package that, in addition to international calls, includes other related services. For example, Verizon Global Choice offers 300 minutes for $10 per month.

Practical tips for immigrants

Taking care of your finances is essential to stay in touch with your family in Mexico. Here are some tips to keep you connected.

• Use apps over Wi-Fi whenever possible: they’re a very affordable alternative, as long as you have a good internet connection.

• Compare rates from different companies: take time to review each provider’s international rates as well as specific terms.

• Consider family bundles or special plans for Mexico: given the geographic proximity between Mexico and the United States, there are several communication options designed for families who frequently contact relatives.

Stay connected with your family in Mexico thanks to Común

In this article, we showed you how to call Mexico from the United States with the correct code sequence, via mobile and landline. We also shared tips to keep in touch with your family through more accessible means such as mobile apps and international plans with minutes to Mexico.

In addition to staying in touch with family, Mexican immigrants also often need services that let them send money home.

• Discover the benefits of Común, the platform that brings you closer to the people you love most!

• Checking account with clear, competitive fees.

• Accessible international money transfers.

• Común’s mobile app is available in Spanish and accepts more than 100 eligible official IDs for account opening.

• Debit card for everyday purchases and payments.

Don’t lose touch with your country! Open your account with Común and connect with the financial platform dedicated to shortening the distance.

Frequently Asked Questions (FAQ)

If you still have questions, see this section.

What happens if I dial the number without the 011 prefix?

If you don’t dial 011 or “+” on mobile phones, your call won’t be recognized as international and will either connect as a local call or return an error.

Is it better to use apps or international calling plans?

It depends on your needs. Apps are an excellent alternative but depend on a good internet connection. International plans require a SIM, but they offer more stable calls along with other communication services.

Which option is best for saving money?

A very convenient option to save money is an app like WhatsApp, since it works over an internet connection.

How can I dial an 800 number from the United States to Mexico?

800 numbers are toll-free within Mexico, but from the United States they do carry a cost. To dial, you must enter the exit code and the country code.

Another option is to look for that institution’s alternate number for international calls.

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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.

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Western Union is one of the most recognized remittance services worldwide due to its extensive experience, coverage, and accessibility. Many immigrants choose it to send money to their families from the United States.

If you want to optimize the amount your family receives, it is very important to understand the different sending methods available with Western Union, as well as the fees each method generates.

For this reason, we will explain step by step how to send money through Western Union, including the requirements, different modalities, and the advantages and disadvantages of using this international agency.

What is Western Union and How Does It Work to Send Money?

Western Union is a network specialized in international money transfers, available through a large number of physical locations and online methods. It is an accessible method for sending remittances, as it is not necessary to have a banking account to use its services.

It offers two primary methods for international money transfers: online and in-person at a physical agency.

These are the requirements to send money through Western Union from the United States:

What Is Required to Make a Western Union Money Transfer?

1. Be at least 18 years old
2. Valid photo identification
   
   1. If visiting a Western Union agency in person, you may present your passport and, in some cases, your driver's license.
   2. If using the westernunion.com process, you must upload a photo of your ID and possibly a selfie or other identity verification requirements.
3. Recipient’s information
   
   1. Ensure that you have the complete and correct details of the person receiving the money:
      
      1. Full name (as it appears on their identification)
      2. Recipient’s country and city
      3. Delivery method (cash pickup, bank deposit, or other)
      4. Payment method (card, bank account, or cash)

Comparison Between Western Union and Comun

*please note the exchane rate is subject to change at anytime.

In addition to offering more favorable fees and exchange rates for international money transfers, Comun lets you send money 365 days a year digitally from your home, including holidays, which can be affected by longer wait times due to increased customer volume.

Steps to Send Money Through Western Union: Online and In Person

Currently, Western Union allows you to make international money transfers from the U.S. through its website, mobile app, or in person.

Sending Money Online with Western Union

If you prefer to send money online through Western Union, simply follow these steps:

Log in or register on their platform

To open an account with Western Union, you must have the previously mentioned documents and complete the identity verification process.

Then, log in to the Western Union app or website.

Select destination country and amount

With Western Union, you can choose from a wide variety of destinations in Latin America and worldwide, including Mexico, the Dominican Republic, Colombia, Argentina, and others.

Choose payment method

Western Union offers various payment methods such as credit card, debit card, bank deposit, and cash payment.

Enter recipient information

Make sure to enter the recipient’s details correctly.

Confirm and obtain the tracking number (MTCN)

Once all information is entered, verify its accuracy and confirm the transaction. You will then receive a tracking number to monitor the transfer.

Sending Money to a Western Union Agency

If you prefer to send money in person, follow these steps:

Locate a nearby agency

To find the agency closest to your home, visit the website and select the “Find Location” option. Enter your ZIP code and review the available locations.

You may also call Western Union customer service at 1-800-325-6000 for more information.

Fill out the sending form

Go to the service counter and request the sending form, which you must fill out using the same details required for the online form.

Submit payment and fees to the agent

Once the form is filled out correctly, pay the agent the total amount plus the applicable fee.

Receive the tracking number (MTCN)

Finally, receive the tracking number and share it with the recipient so they can collect the money correctly.

Advantages and Disadvantages of Using Western Union for Remittances

Western Union is a popular option for sending remittances securely and quickly, used by thousands of immigrants in the United States every month.

Below are the main advantages and disadvantages of sending money with Western Union.

Advantages

Extensive global coverage and physical presence

Western Union allows you to send money to almost any part of the world, with approximately 500,000 agencies across more than 200 countries. It even offers transfers to rural and hard-to-reach areas.

Fast cash transfers

If you need to send money urgently, Western Union offers a cash pickup option, available within minutes.

Brand recognition and established history

With over a century of experience, Western Union has a strong reputation and proven security in money transfers through its global network.

Disadvantages

High fees

Generally, the smaller the amount sent, the higher the fee. Fees vary depending on the payment and delivery method and typically range between $4.99 and $15 USD, excluding currency conversion.

Uncompetitive exchange rate

In addition to the initial fee, you must account for the loss due to currency exchange, which is calculated using a less competitive margin than the market rate. As a result, your family receives less money compared to other options.

Sending limits

For unverified users, the sending limit is $3,000 USD per transaction. For verified accounts, the limit is $50,000 USD.

Lack of transparency in fee structure

Western Union’s fees are variable and depend on multiple factors such as the destination country, payment method, delivery method, and transfer amount.

Comun: A Fast, Transparent, and Affordable Alternative to Send Money to Your Family

There is no doubt that Western Union is one of the most well-established remittance services due to its long history and ease of access. However, it is important for users to choose the option that best fits their needs.

Before making a money transfer, it is essential to clearly understand all fees and additional costs; otherwise, your family may receive less money without prior notice.

Comun is the comprehensive solution that makes sending remittances easier and more affordable.

Additionally, it offers:

• A mobile app also available in Spanish that allows you to send money easily to more than 17 countries in Latin America.
• Your first money transfer is free, and afterward, you pay a fee starting at $2.99 USD  per transfer, up to the applicable limits.
• You need a mobile device to open your account, an official identification from your country (passport, consular ID, driver’s license, among others), and a US residential address.
• 24/7 customer support available in Spanish.
• High security standards that help your money arrive safely and track your transfer in real time.
• Transparent remittance fees.

Open your Comun account today.

Frequently Asked Questions

If you still have questions about how Western Union works, review our FAQ section:

Can I send money to myself through Western Union?

Yes, if you are traveling to another country and do not have a banking account, you can send money to yourself.

Why can’t I send money through Western Union?

There may be several reasons, such as exceeding the sending limit, rejected payment method, or incorrect recipient information.

How much does Western Union charge to send money?

Transfer fees depend on the recipient country, the amount, payment method, and delivery method.

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

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

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

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

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

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

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

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

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

7 detailed steps to send money with Xoom

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

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

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

Select the destination country and the amount to send

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

Choose the sending method

Xoom offers the following payment methods:

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

Provide the recipient’s details

The information you must enter is:

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

Select your payment method

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

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

Review and confirm the transaction

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

Track your transfer with the tracking number

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

Key aspects to consider when using Xoom

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

Sending fees

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

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

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Exchange rate

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

Sending limits

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

Receiving options

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

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

Security and reliability

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

Delivery times

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

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

Accessibility

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

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

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

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

With Común:

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

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

Frequently asked questions

If you want to learn more, see our FAQ section

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

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

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

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

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

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

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

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

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

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

In today’s digital era, having access to technology that enables fast and secure money transfers is essential.

Zelle is a service that allows easy transactions, as it is integrated into the digital banking platforms of U.S. banks.

Without a doubt, Zelle is one of the most popular digital payment services in the United States. According to recent data, in 2024 the company processed more than $1 trillion across over 3.6 billion transactions.

Additionally, 151 million user and small business accounts are registered with Zelle, representing a growth of 16 million compared to 2023.

If you need to send or receive money, this could be an excellent option, since all you need is a mobile phone number or email address.

It is also integrated with major U.S. banks, such as Bank of America and Wells Fargo.

It is essential to know the list of banks that offer Zelle in the United States to ensure that you will be able to use the service through your bank—especially as new conditions came into effect in April 2025.

For this reason, we will explain in detail what Zelle is in the U.S., the main banks that support the service, and how it works.

What Is Zelle?

According to Denise Leonhard, CEO of Zelle, this company is not just a popular way to send money; it is a vital tool transforming the way money moves in the United States.

Zelle is a network developed by Early Warning Services, LLC, which allows digital payments and bank transfers between users of the same or different banks, mainly within the U.S.

It is directly integrated into banking apps, making it easier to manage transactions within the same mobile banking experience.

What Are the Benefits of Zelle?

Zelle offers multiple benefits for its users, such as:

Speed

Transfers are completed in minutes

Cost

Transfer service is free at most financial institutions

Ease of Use

No external app is required, as Zelle is integrated into bank apps

‍Accessibility

You only need the recipient’s email or phone number to send money

‍Coverage

Available through a large number of U.S. banks and credit unions

Direct Payments

Uses funds directly from your bank account; no need to top up a digital wallet

This service is an excellent option if you are looking to make fast, secure, and free transfers within the U.S., although it does not support international money transfers.

Major U.S. Banks That Work With Zelle

Zelle’s presence in daily financial operations has grown significantly. According to recent data, Zelle is integrated with more than 2,200 U.S. banks, 95% of which are community banks and credit unions.

Below is a list of major financial institutions using Zelle in 2025 and their transfer limit if applicable. Please refer to each financial institutions for the most up-to-date information

To use Zelle through these financial institutions, there is no need to download a third-party app, as all have direct integration. Additionally, transfers are free of charge.

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How to Receive Money Through Zelle

To receive money using Zelle, follow these steps:

• Make sure your bank offers Zelle integration
• Visit your bank’s website and register for Zelle
• Provide your mobile number and email address—others can use these to send you money
• Receive money directly in your bank account within minutes
• You can also send money to users registered with Zelle.

Note: To send and receive money through Zelle, both parties must have accounts at banks that support the service.

How to Check if Your Bank Offers Zelle

If you want to use Zelle and are unsure whether your bank supports it, visit Zelle’s official website and enter your bank’s name in the search bar. If it appears, you can use Zelle via your mobile banking app.

7 Reasons Banks Partner with Zelle

Integration with Zelle offers banks several advantages:

1. Increased Competitiveness

Zelle provides an edge over services like Venmo and PayPal, and encourages mobile banking app usage.

2. Improved Customer Experience

Zelle simplifies person-to-person transfers and consolidates transaction history in one place.

3. Cost Reduction

P2P transfers are more cost-effective than traditional payment methods like checks.

4. User Retention

Encourages more frequent use of the banking app and reduces customer churn.

5. Security

Backed by official U.S. financial institutions, Zelle adheres to strict banking and regulatory standards.

6. Speed

Zelle enables quick transfers, even between different banks.

7. Established System

With over 2,200 integrated banks, Zelle is a leading digital payments system, prompting other banks to join.

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Changes to the Zelle App

Zelle recently announced changes effective April 1. As of that date, users can no longer send or receive money through the standalone Zelle app.

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How to Continue Using the Service?

Users of the standalone app must now re-register through their bank’s online platform, provided the bank is integrated with Zelle.

If you do not have a bank account linked to Zelle, you will no longer be able to use the service. It is essential to review Zelle’s FAQ section for the latest updates and list of participating banks.

Important Security Tip:

Always verify the recipient’s information, as Zelle does not offer fraud or error protection. Once money is sent, the transaction cannot be canceled.

Does Your Bank Not Offer Zelle? Use Comun to Easily Transfer Money in the U.S.

If your account is not with a Zelle-integrated bank, or if you used the standalone Zelle mobile app and don’t have a bank account, there is a solution designed for you that simplifies transfers and financial inclusion in the U.S.

Comun offers an easy, accessible, and affordable alternative for making transfers and payments.

It is a platform that promotes financial inclusion for individuals facing barriers with traditional

U.S. banks, offering a user-friendly, Spanish-language service. Some key benefits of Comun include:

• Apply using your official ID from your country
  
• Access a mobile app
• Receive a debit card for purchases
• Make low-cost transfers within and outside the U.S.
• Send money to friends and family to LATAM starting at $2.99 transfer fee

Open your Comun account and start your financial life without complications.

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