Immigration
What is a Social Security Number (SSN) and what is it used for? Everything immigrants need to know about SSN in the United States.
8 min read

13 Nov 2025
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An SSN (Social Security Number) is a 9-digit number issued by the U.S. government. It is required for working legally, filing taxes, and accessing financial services in the United States. As an immigrant, you may apply for an SSN if you have an eligible visa or Green Card — or use an ITIN as an alternative. If you have newly arrived in the U.S., you likely have questions about how to handle certain procedures. Therefore, we will explain what the SSN is, what it is for, how to apply for it, how much it costs, and what the benefits are of having this identifier.
The Social Security Number (SSN) is a series of 9 digits issued by the Social Security Administration (SSA, or Administración del Seguro Social in Spanish). It is issued to citizens, permanent residents, and eligible temporary residents, in accordance with their immigration status.
Its main function is to serve as a unique identification number that allows the government to track specific data for each person, such as their income, financial information, and employment history. This makes it possible to determine, in each particular case, eligibility to access Social Security benefits such as retirement, disability, among others.
In addition to facilitating access to these benefits, the Social Security card serves as official identification for employment onboarding, driver’s licenses (in some states), and opening bank accounts.
An important point about the Social Security Number in the U.S. is that there are three different types:
In the case of lawful permanent residents, it is necessary to obtain a Green Card or a visa with valid work authorization issued by the Department of Homeland Security (DHS), such as H-1B or L-1.
The process of obtaining the SSN varies depending on immigration characteristics. If you requested the SSN during your visa processing—through the “Application for Immigrant Visa and Alien Registration” form or the DS-260 electronic format, “Immigrant Visa Electronic Application”—DHS will contact the Social Security Administration directly to carry out the process.
If you did not request the SSN during your visa process, the first thing you should do is gather the following documentation:
Once you have gathered the documentation, follow these steps:
If your Social Security card is lost, it is important to take security measures immediately to avoid identity theft, fraud, or misuse of your personal data.
Report the theft or loss of this document to the police and then file a complaint with the Federal Trade Commission (FTC).
Afterwards, go to the Social Security Administration, complete the SS-5 form again, and bring the corresponding documents for replacement of the card.
Avoid carrying the card with you unless necessary and keep it in a safe place. Generally, you do not need to present your physical card but rather the number, which does not change even if you replace the card.
If you are still wondering what the SSN is for, you should know that this document provides multiple benefits of different kinds, such as the following:
For permanent residents, the greatest benefit of the SSN is that it grants work authorization, enables income tracking, as well as the payment of taxes and legal obligations. Presenting this document is an indispensable requirement during formal hiring processes in the United States.
The SSN is also typically required to apply for loans and credit from banks and financial institutions in the United States; in this way you can access assets such as real estate, a car, or other types of services.
Accessing financial services is essential for immigrant workers in the United States, whether to receive wages or send money to their countries of origin. Generally, the SSN is a requirement to access a bank account and credit and debit cards, among other services.
There are other benefits available, such as unemployment insurance in the event of dismissal, and access to retirement and Medicare starting at age 65, for eligible permanent residents.
The SSN functions as the taxpayer’s personal identification number, which makes it easier to file tax returns and report income and expenses. Another alternative for residents who do not have an SSN is the ITIN, issued by the Internal Revenue Service (IRS), which serves to fulfill tax obligations and grants other benefits.
In short, the Social Security Number—beyond being an administrative procedure—facilitates economic and social integration in the United States because it serves to track income and expenses and facilitates access to basic rights such as work, health, and banking, which are essential for integrating into society.
It is important to clarify that the Social Security card process does not involve any cost, whether you do it for the first time or as a replacement due to theft or loss.
Stay alert to potential fraud and avoid making payments to unauthorized third parties. If you have any doubts, go directly to your local Social Security office and report any suspicious activity.
Read more: Don’t miss our guide to investment basics for immigrants
As you can see, the SSN is highly relevant to establishing a stable life in the United States because it facilitates access to work, health services, and financial products that are essential for carrying out daily tasks such as payments and money transfers.
Comun is a financial platform designed to make life easier for immigrants in the United States by facilitating their integration into the financial system from day one.
With Comun, discover the most accessible way to manage your finances for everyday life in the United States.
If you still have questions, consult our Frequently Asked Questions section.
Report immediately at IdentityTheft.gov and place a fraud alert.
Up to 3 times per year and a maximum of 10 times in your lifetime.
Comun allows you to open an account with official ID from your country.
About Común
Común aims to support the Latino community in the United States. It offers a debit account that can be opened with more than 100 valid Latin American IDs and an app available in Spanish.
Visit Común's website or download the app for free to learn more about the full offer and applicable terms.

Olivia Rhye
Community Partner

Community
8 min de lectura
Común is a digital financial platform designed specifically for the immigrant community in the United States, letting you open an account with Latin American IDs, no Social Security Number required.
Común does not have branches, but it has a team that supports its customers 24 hours a day, 7 days a week, from the comfort of their homes, in three different languages.
Building a better future for immigrants in the U.S. is a core principle of Común’s mission. Accessible and easy-to-understand banking options are a key part of the immigrant journey. However, the options are scarce.
Complex, cumbersome, and expensive options are the norm. Activities that may seem trivial and intuitive to those born in the U.S. are overwhelming and confusing for a newly arrived immigrant. Everything from setting up direct deposit with an employer to sending money home, making payments for goods and services, or understanding how to build a credit score seems too complex for anyone who has never had to do this in the U.S., let alone at all.
Hidden fees and costly charges add another layer of stress when starting a financial life in the U.S. Between minimum account balances, monthly fees, overdraft charges, large check deposit fees, extortionate international transfer fees, and everything else, maintaining and using a bank account in the U.S. can be expensive. For manual laborers, this can represent a significant percentage of their wages.
The physical locations of traditional banks can also be scarce in some areas. Since opening a bank account or depositing a check or cash into the account must be done at a branch, this is a significant burden for someone living in a remote area. Many immigrants, sometimes working on remote farms or factories, live miles away from the nearest bank branch. Transportation costs to those branches add to the already high fees of using and maintaining an account.
Even if the banking services provided were more intuitive, digital, and lower cost, another major barrier remains. Obtaining the necessary documentation to open a bank account can also make access to fair and simple financial services difficult. Immigrants fortunate enough to have work authorization still need to gather important documentation that is not always available to them. For those who have come to the U.S. seeking asylum or better work opportunities through a more unconventional path, the documents required to open an account are often prohibitive.
Building a 100% digital banking platform to solve the issues mentioned above is part of what Común seeks to achieve because we believe in helping unlock social mobility. But a digital, low-cost, and intuitive platform is not enough. To navigate this process, immigrants need help, and help is best found in a Community that understands them when they need it most.
That is why not only our customers are part of our Community, but also the people who help them 24 hours a day, 7 days a week through our app, social media, WhatsApp, or by phone. Beyond solving an immediate problem, the support provided goes further. It teaches and educates, empathizes, and strives to foster a sense of Community among people who understand them, in terms they comprehend and in the language they speak. This is the core of true digital community banking. Our team helps them set up direct deposit, get refunds for charges they disagree with, and everything else.
At Común, the first step in this journey has already begun. Our team in Mérida, Mexico, is part of our Community and the one we seek to serve. They are an extension of our mission and our digital platform, and a necessary ingredient in unlocking social mobility for millions of immigrants in the U.S.
Común accepts over 100 Latin American IDs (passport, consular ID, among others), doesn't require an SSN or ITIN, and doesn't charge a monthly fee or require a minimum balance.
With 100% Spanish-language support, an account opening process that takes minutes, and features built for common community needs, like low-cost remittances and cash deposit without needing a prior bank account.
A checking account with a Visa debit card, international remittances starting at $2.99, cash deposit at over 88,000 locations, and direct deposit.
For the Latin American immigrant community in the U.S. looking for accessible financial services without traditional documentation barriers.
Over 100 Latin American IDs, including passports and consular IDs — no SSN or ITIN required.
No, there's no opening fee, monthly fee, or minimum balance required.
Yes, the app and customer support are available in Spanish.
The process takes about 3 minutes, with instant approval in most cases.
Yes, starting at $2.99 per transfer, with your first transfer at no cost.

Financial Education
8 min de lectura
ACH transfers are electronic bank transfers within the U.S., commonly used for payroll deposits and payments between accounts. With Común, receiving an ACH transfer is at no cost, and it usually takes 3–5 business days.
The ability to transfer money efficiently and securely is a cornerstone of economic interactions. This article explores the range of electronic transfer methods available today, comparing and contrasting wire transfers, Automated Clearing House (ACH) transfers, and other prevalent money-transfer mechanisms. By understanding the nuances of each international transfer method, from international money transfers to peer-to-peer platforms, individuals and businesses can navigate the complexities of financial transactions with confidence.
Wire transfers stand out as a testament to the enduring value of fast, secure international money movement. Valued for their reliability, wire transfers allow individuals and businesses to transfer funds directly between bank accounts across the globe. The defining feature of wire transfers is their rapid processing, crucial for time-sensitive transactions. They leverage the vast international network of a financial institution, making it possible to send money to almost any country.
However, the efficiency and security of wire transfers come at a cost. They are generally associated with higher fees compared with other transfer methods, both for the sender and, occasionally, the recipient. These transactions also require the provision of precise and complete recipient bank details, including the bank name, account number, and routing numbers, ensuring that funds reach the intended destination without delays.
Despite the cost, the unmatched speed and security of wire transfers make them the preferred choice for large international transactions, where the assurance of timely and safe delivery outweighs the expense. Whether for business dealings, purchasing property abroad, or sending emergency funds, wire transfers offer a reliable solution, backed by the reputation and regulatory framework of traditional financial institutions.
The Automated Clearing House (ACH) network offers an efficient and economical alternative for domestic money transfers. ACH transfers encompass both direct deposits and direct payments, including payroll, government benefits, and bill payments. Unlike wire transfers, ACH transfers are processed in batches, which can lead to slower delivery speed, typically a few business days. However, the lower fees associated with ACH transfers make them an attractive option for routine domestic transactions. ACH transfers and wire transfers, while often mentioned together, serve distinct needs based on the urgency and geographic scope of the transaction.
The versatility of the ACH network extends beyond simple cost savings, providing a framework for a wide range of transactions beyond conventional check deposits and bill payments. This includes, but is not limited to, person-to-person (P2P) payments, business-to-business transactions, and even government-to-citizen payments such as tax refunds.
In addition, the arrival of same-day ACH processing marks a significant improvement in transaction speed, addressing one of the few drawbacks traditionally associated with remittance transfers through this method. Despite this advancement, the inherent delay in batch processing still makes ACH transfers less suitable for urgent transactions, positioning them as a preferred method for planned recurring payments where cost efficiency outweighs immediate fund availability.
Two methods stand out for their distinct approaches and unique benefits: person-to-person (P2P) transfers and traditional transactions at both banks and credit unions, and banks. P2P platforms like PayPal, Venmo, Cash App, and Google Pay have revolutionized the way we think about money transfers, offering a level of convenience and accessibility that aligns with the demands of the digital age. These platforms cater to a generation that values speed, simplicity, and the ability to transact on the go using only a smartphone. On the other hand, credit unions and banks represent the backbone of traditional financial transactions, providing a full suite of services ranging from everyday banking needs to complex international wire transfers.
As mentioned, platforms like PayPal, Venmo, Cash App, and Google Pay have become indispensable in the digital era, democratizing the process of sending and receiving money. These apps excel in user convenience, enabling transactions with just a smartphone. Linked to one’s bank account or debit card, they facilitate both domestic and, increasingly, international transfers.
While often free for basic services, they may charge small fees for instant transfers or currency exchange-rate conversion. The appeal of P2P platforms lies in their simplicity and the ability to transfer funds without needing the recipient’s banking details, only their phone number or email address.
Credit unions and banks remain the backbone of the money-transfer ecosystem. Offering a range of services from direct deposits to international wire transfers, these institutions provide a secure, if sometimes more expensive, way to move funds. The choice between a bank and a credit union often comes down to the nature of the transaction—credit unions may offer lower fees and better exchange rates for their members, while banks might provide more comprehensive services for international and business transfers. Regardless of the choice, ensuring the transaction is completed with a reputable institution is paramount.
When comparing money transfer apps, several key factors should be considered to ensure the decision aligns with your personal or business financial needs. Here are the essential aspects to evaluate:
Común- Banking designed for your life in the U.S.
Open your bank account¹ in 3 minutes with your country ID²
By carefully considering these factors, users can select a money transfer app that best suits their financial transactions, balancing convenience, cost, and security. Whether sending money to a friend domestically or managing international business transactions, the right money transfer app can make all the difference in achieving a smooth and efficient money-transfer experience.
The financial sector continues to evolve, with emerging technologies and innovations offering new ways to transfer money. Blockchain technology, for example, has given rise to cryptocurrencies, which promise faster international transfers without the need for traditional banking infrastructure. However, these methods come with their own set of challenges, including volatility and regulatory uncertainty. As these technologies develop, they may offer viable alternatives to traditional and electronic fund-transfer methods. Some developments include:
The world of money-transfer methods is diverse, each with its own set of advantages, disadvantages, and best-use scenarios. From the rapid international reach of wire transfers to the domestic efficiency of ACH transactions and the convenience of money transfer apps, the choice of method depends on the specific needs of the transaction, including speed, cost, and geographic reach. As financial technologies continue to evolve, staying informed about these methods will enable individuals and businesses to make the best decisions for their money-transfer needs, ensuring that funds are transferred securely, efficiently, and cost-effectively.
It's a type of electronic transfer that moves money between U.S. bank accounts, commonly used for payroll, bill payments, and transfers between banks.
Use your account and routing number, found inside the app, to receive ACH transfers directly into your account. It's at no cost.
Generally 3–5 business days. If you need your paycheck faster, direct deposit has no limit and is usually available sooner.
No, receiving ACH transfers into your Común account is at no cost.
Up to $1,000 per day and $10,000 per month.
Both are available inside the Común app.
Yes, direct deposit has no limit and is usually available faster than a standard ACH transfer.
The app shows you the transfer options available based on your account type.
ACH is usually free but slower (3–5 days); a wire transfer is generally faster but may have a fee.

Financial Education
8 min de lectura
These payment methods are both available in the U.S. but they are often used for different purposes. Direct deposit is commonly used for paychecks, tax refunds, and government benefits, while wire transfers are more often used for urgent or high-value transfers between financial institutions.
Understanding the difference between direct deposit and wire transfers can help you avoid unnecessary fees, choose the right payment method for your situation, and manage your money more confidently.
The biggest difference is the purpose they serve. Direct deposit is commonly used for recurring payments such as salaries, benefits, and tax refunds. Wire transfers are commonly used to move money quickly between financial institutions, particularly for large or time-sensitive transactions.
| Feature | Direct deposit | Wire transfer |
|---|---|---|
| Common use | Paychecks, benefits, tax refunds | Large or urgent transfers |
| Network used | ACH network | Wire transfer network |
| Speed | Typically 1–3 business days | Often same day or next business day |
| Typical cost | Often no fee to receive | Fees may apply |
| International transfers | Limited | Commonly used |
| Recurring payments | Yes | Less common |
| Setup required | Routing + account number | Bank details + recipient information |
Direct deposit is one of the most common payment methods in the United States, particularly for employees receiving wages from an employer. Instead of issuing a paper check, an employer sends the payment electronically to the employee's bank account through the ACH network.
To set up direct deposit you need to provide your employer: your bank's routing number and your personal account number.
A wire transfer is an electronic transfer of funds between financial institutions through secure financial networks like Fedwire or SWIFT. Unlike direct deposit, wire transfers are better suited for large one-time payments, urgent payments, real estate transactions, or international transfers.
Use direct deposit for:
Use wire transfer for:
With your Común account, you can set up direct deposit by providing your Común routing number and account number to your employer. Your Común account has unique routing and account numbers available in the app. Visit comun.app to learn more.
Not necessarily. Domestic wire transfers can be faster (same day), while direct deposits usually take 1-3 business days. However, many accounts offer early access to direct deposits up to 2 days early.
Setting up direct deposit is generally no fee. Employers use the ACH network to send payroll electronically at no charge to the employee.
Común is a financial technology company and not a bank. Banking services are provided by Community Federal Savings Bank, Member FDIC.

Financial Education
8 min de lectura
With Común you can cash a check without going to a bank: take a photo of it in the app and the money is deposited into your account at no cost. You can also use the network of over 88,000 cash-deposit locations if you prefer to cash it in person.
In the world of finance, the ability to cash a check efficiently and securely is a fundamental necessity. From payroll checks to tax refund checks, the mechanism of turning these paper promises into real purchasing power is a critical aspect of financial management. This article provides a guide on what a check is, how to cash it, and where to do so, ensuring you are well equipped to navigate this process.
A check is a written, dated, and signed instrument that orders a bank to pay a specific amount of money from the issuer’s account to the person or entity whose name is written on the check. The recipient (payee) then deposits or cashes the check to access the funds.
Checks are a traditional form of payment that allow individuals and businesses to make transactions without the need for immediate cash exchange. They can be used for a wide range of payments, from personal gifts to payroll and business transactions.
Checks offer a traceable payment method, providing a paper trail that can be useful for accounting and tax purposes. They remain a fundamental component of financial transactions, offering a combination of security, convenience, and versatility. Despite the rise of digital payments, the relevance of various types of checks persists, serving diverse needs from everyday payments to significant financial dealings. Here are the different types of checks:
From personal to certified checks, each type plays a specific role, ensuring that individuals and businesses have the flexibility to manage their money securely and efficiently. Despite the growing prevalence of digital finance, checks continue to hold their place, offering an indispensable option for a wide variety of financial dealings. Understanding the functionality and usefulness of different types of checks remains key to optimizing financial transactions and strategies.
The journey from receiving a check to turning it into cash or depositing it into your bank account is simplified by understanding a few key steps. Using advances in banking technology and the expertise of bank tellers, let us dive into the methodical approach to accessing your funds.
Start by endorsing your check, a necessary step that indicates your intent to cash or deposit it. Turn the check over and sign your name in the specified area on the back.
Having a valid form of identification is crucial. This could be a driver’s license, a government-issued ID, or any other official identification, ensuring that the check is cashed or deposited by its legitimate owner.
Your options include a local bank or credit union, where checking accounts often provide lower fees for account holders, or a check-cashing service for those without a bank account. In addition, certain retailers and grocery stores with a customer service desk may offer check-cashing services, usually for a small fee.
At your chosen location, present the endorsed check and your ID. The teller or service representative will verify your identity and the check’s authenticity.
Choose whether you want to cash the check or deposit it into your account. This decision may affect whether you opt for a direct deposit into a linked bank account, use mobile deposit options, or even load funds onto a prepaid debit card.
The teller processes your check based on your decision. Deposits may require a short wait for funds to become available, while cashing it provides immediate access to your money.
Always make sure to get a receipt after the transaction. This serves as a record of your action, important for personal financial tracking and potential inquiries.
Cashing your check is a straightforward process when you follow these essential steps, from endorsement to choosing your cashing location. Each stage is designed to ensure access to your funds is secure, convenient, and tailored to your financial needs, highlighting the importance of understanding your banking options.
Identifying a reliable and efficient place to cash your check, whether it involves government checks, insurance settlement checks, or two-party personal checks, is paramount. The landscape offers several avenues, each with its own set of benefits and considerations.
Traditional and secure, if the check is drawn against an account at the same institution, cashing it is typically free. These places are ideal for those with their own bank accounts, offering services such as cashing cashier’s checks and government and payroll checks. Associated Fees: If you have an account at the bank or credit union where the check was drawn, cashing a check is generally free. Some banks may still charge a fee if the check comes from a different bank, but this is increasingly uncommon.
A viable option for immediate needs or for individuals without bank accounts, though often accompanied by fees. Check-cashing stores and services such as Ingo Money provide versatility but may involve check-cashing limits or higher fees. Associated Fees: These services are convenient but often come with higher fees. They may charge a flat fee plus a percentage of the check amount, which can range from 1% to 4% or more. For example, cashing a $1,000 check at a service that charges 2% would cost $20.
A very convenient option, many stores and gas stations now offer check cashing for a flat fee or a percentage of the check amount. This can be particularly helpful for cashing checks such as payroll or government checks on the go. Associated Fees: Some supermarkets and convenience stores cash checks for a fee, which may be lower than check-cashing services. Fees at retailers are often a flat fee (for example, $3 to $6 for checks up to a certain dollar amount) plus an additional fee for larger amounts.
Mobile deposits and services linked to PayPal accounts or prepaid cards allow you to deposit checks without visiting a bank. This method suits those comfortable with digital banking, offering a way to deposit checks directly into a linked account or prepaid card. Associated Fees: If there are fees, they are often structured similarly to Ingo Money or PayPal services for immediate access, but they are usually waived if you are willing to wait for the standard clearing time.
The decision spans traditional banking institutions, check-cashing services, retail points of sale, and innovative digital platforms, each catering to different needs and preferences. Whether you prioritize convenience, low fees, or immediate access to cash, there is a tailored option for your situation. As we move toward an increasingly digital world, the value of the physical check remains undeniable in its usefulness and necessity.
Cashing a check efficiently depends on understanding your options and the associated fees. Whether you prefer the traditional security of a bank or credit union, the convenience of a check-cashing service, or the modern approach of mobile deposits, the key is to weigh these options against your immediate financial needs and the costs involved. By integrating money-saving strategies, such as avoiding high fees and opting for direct deposit, you can ensure a smooth and stress-free process while making the most of your financial resources.
Open the app, go to the check deposit section, take a photo of the front and back (make sure it's signed in the endorsement area), and confirm the amount. Mobile check deposit is at no cost.
Timing varies depending on the amount and your account history; the app shows you an estimate before you confirm the deposit.
Común has a network of over 88,000 cash-deposit locations, and you can withdraw at AllPoint+ ATMs at no cost (3 free withdrawals a month, then $2.50 per withdrawal).
No, mobile check deposit through the app is at no cost.
Just your phone with the Común app, the physical check signed in the endorsement area, and good lighting for the photo.
The app guides you through the process; make sure the check is current, properly signed, and has complete information before photographing it.
The app will notify you if there's an issue with the deposit; check that the check's details are legible and complete.
Yes, once the deposit shows in your account, you can withdraw at any AllPoint+ ATM at no cost (up to 3 times a month).
No, mobile check deposit has no fee.

Financial Education
8 min de lectura
The Colombian community has a strong presence in the U.S., with many immigrants arriving each year to visit, live, study, and work.
Staying in touch with family across borders matters. That’s why it’s useful to know the different ways to make international calls from the U.S. While it can seem tricky, it’s easy if you have the right codes.
If you want to call loved ones back home in Colombia, below you’ll find step-by-step dialing instructions from the U.S., examples, and a full area-code table.
Before calling anyone in Colombia, know the sequence: international prefix + country code + local number.
This is the international prefix from a landline. If you’re using a mobile phone, use the “+” sign instead.
This identifies Colombia in the international telephone system.
For landlines include the city area code. For mobile phones, dial the full 10-digit mobile number.
Examples:
There’s a difference between calling a landline and a mobile in Colombia from the U.S.: landlines need the regional area code; mobiles are dialed using the “+” format on cell phones.
Below you’ll find the area codes for Colombia’s main cities to ensure you dial correctly when contacting your family.
City
Area code
U.S. dialing example
Bogotá
1
011 57 1 #######
Medellín
4
011 57 4 #######
Cali
2
011 57 2 #######
Barranquilla
5
011 57 5 #######
Cartagena
5
011 57 5 #######
Bucaramanga
7
011 57 7 #######
Pereira
6
011 57 6 #######
Cúcuta
7
011 57 7 #######
Santa Marta
5
011 57 5 #######
Manizales
6
011 57 6 #######
The phone is a favorite way to bridge distances and stay in touch with loved ones across borders.
Years ago, international rates were expensive, making frequent calls home difficult.
Today, digital options have lowered costs and made cross-border communication much easier.
Below we show some affordable options to help you stay in touch with the people who matter most.
Mobile apps are hugely popular worldwide. They enable texting, voice notes, and voice/video calls over Wi-Fi or data—significantly cutting costs.
WhatsApp is the most popular, and other solid options include FaceTime, Google Voice, and Skype.
If you prefer traditional calling, look for an international plan from your U.S. provider with minutes to Colombia—great for frequent calls.
You can pick plans with minutes to landlines and mobiles or Colombia-specific bundles.
Examples of U.S. carriers include AT&T Prepaid, T-Mobile, Verizon, and Ultra Mobile. Options range from unlimited international add-ons and prepaid plans with international calling to limited-minutes bundles and mixed data/calling packages.
If you’re in the U.S. for only days or weeks, a mobile plan may be overkill. A prepaid calling card can be ideal—no PINs in many cases and you only pay for the minutes you use.
As you’ve seen, calling Colombia from the U.S. is straightforward—just use the correct codes. You can also choose affordable alternatives like mobile apps or prepaid cards.
Staying in touch shows care and support. It also helps to have accessible services to send money and support their well-being.
Meet Común your direct link to the ones you love!
Ready to revolutionize how you connect with your finances?
Open your Común account today and complement your calls with a fintech platform that supports your financial life in the U.S.
Still have questions? Check our FAQ section below.
If you don’t dial 011 from a landline or “+” on mobile, your call won’t be recognized as international and will fail as a local call.
There are several affordable options—apps like WhatsApp, Skype, or Google Voice; prepaid calling cards; or an unlimited international plan. The best choice depends on your habits and how often you call.
Costs vary by method. For example, AT&T offers unlimited add-ons around $15/month and Verizon offers 300 minutes for about $10/month.

International Money Transfers
8 min de lectura
The Global Impact of Mobile Money Transfer Apps
Money transfer apps have significantly altered the global remittance landscape, offering an accessible and efficient way for people to send money across borders. These apps have democratized financial services, especially in regions where traditional banking infrastructure is weak. By leveraging mobile technology, remittance services have become more inclusive, reaching remote and underserved communities.
Key Benefits
Accessibility: Money transfer apps are accessible to anyone with a smartphone and an internet connection, with no need for a physical bank.
Cost Efficiency: These apps often offer lower transaction fees compared to traditional remittance services, making it more affordable to send money internationally.
Speed: Transfers process almost instantly, reducing wait times for recipients.
Security: Advanced encryption methods and secure access provide robust protection against fraud and theft.
Impact of Mobile Money Apps on International Remittances
Mobile money apps have had a profound impact on international remittance flows. By simplifying the transfer process, these apps have increased the volume of remittances sent globally.
Accessibility and Financial Inclusion
One of mobile money apps' most significant contributions to international remittances is their role in promoting financial inclusion. Many remittance recipients in developing countries don't have access to traditional banking services. However, with the widespread adoption of mobile phones, even in remote areas, these people can now receive money directly into their mobile wallets. This not only eliminates the need for physical bank branches, but also provides a safe and convenient way for recipients to access their funds.
Reducing Transaction Costs
Another key impact of money apps on remittances is reducing transaction costs. Traditional remittance methods often involve high fees charged by banks and money transfer operators. These fees can eat into the funds sent, particularly for smaller amounts. Mobile money apps, on the other hand, generally offer lower fees, making it more affordable for migrants to send money to their families. By lowering the cost of remittances, these apps let migrants send larger amounts of money, increasing the total volume of remittances reaching recipient countries.
Speed and Convenience
Mobile money apps also offer unmatched speed and convenience compared to traditional remittance methods. Transactions can be initiated and completed in minutes, letting recipients access funds almost instantly. This is particularly beneficial in emergency situations, where quick access to funds can make a significant difference in a recipient's quality of life. Plus, the convenience of mobile money apps means migrants can send money anytime, from anywhere, without having to visit a physical location or work around bank or money transfer agent hours.
Empowering Recipients
Beyond the immediate financial benefits, mobile money apps empower recipients by giving them greater control over their finances. With funds deposited directly into their mobile wallets, recipients have the flexibility to use the money however they see fit, whether for daily expenses, savings, or investments. This financial autonomy can contribute to long-term economic stability and resilience, since recipients are better equipped to weather financial shocks and pursue opportunities for personal and economic growth.
More Stable Than Capital Flows
Remittances have proven to be more stable than other forms of financial inflows, like foreign direct investment (FDI) or portfolio investments.
Reasons for Stability
High Transaction Costs
Despite the advantages, high transaction costs remain a challenge in the remittance industry. Traditional services can charge fees ranging from 7% to 10% of the total amount sent, which is a significant burden for lower-income workers.
Efforts to Reduce Costs
In short, the impact of mobile money apps on international remittances is multifaceted, spanning greater accessibility, lower transaction costs, increased speed and convenience, and recipient empowerment. As these apps continue to evolve and innovate, their role in facilitating cross-border transactions and promoting financial inclusion will likely become even more pronounced, further transforming the global remittance landscape for the better.
What to Consider When Sending Remittances
Sending remittances through mobile money apps offers convenience and efficiency, but it's essential to consider several factors to ensure a smooth, cost-effective transaction.
Sending the Money
Sending money through mobile apps is a straightforward process, but understanding the steps can help ensure a successful transaction.
Steps to Send Money
By carefully considering these factors when sending remittances through mobile money apps, you can ensure a smooth, cost-effective transfer experience while providing vital support to your loved ones across borders.
In the mobile remittance landscape, Común stands out as an emerging player, particularly serving the needs of the immigrant community in the United States¹. Recognizing the challenges immigrants face in accessing reliable financial services and building wealth in the U.S., Común has positioned itself as a solutions-oriented platform aimed at lowering barriers to entry and accelerating integration with the digital economy.
Let's Start With the Problem:
Living in the United States as a foreigner presents numerous challenges, made worse by a financial system that often overlooks immigrant communities' needs. Reliable financial services are essential for building wealth, yet millions of immigrants find themselves excluded from mainstream banking and financial opportunities.
Barriers to Entry:
Addressing the Structural Opportunity Gap:
Común recognizes the structural opportunity gap facing the immigrant community and aims to address it through innovative solutions tailored to their needs.
Común's Solution:
Facts About Global Migration
Understanding the dynamics of global migration is essential to grasping the complexities of remittances and their impact on world economies. Here are key facts that shed light on the intricate relationship between migration and remittances:
By recognizing the importance of migration and remittances, we can work toward building inclusive, sustainable financial systems that benefit individuals, families, and communities around the world.
Conclusion
In conclusion, money transfer apps have revolutionized global remittances, offering convenience, affordability, and accessibility. They close the gap between senders and recipients, empowering migrants and supporting families worldwide. As technology advances and regulations evolve, these apps will continue to shape the remittance landscape, fostering financial inclusion and economic growth. By embracing innovation and collaboration, we can harness the transformative power of mobile money apps to create a more equitable, prosperous global economy.

Financial Education
8 min de lectura
Digital banking apps have changed how many people in the United States manage their money. Instead of visiting physical branches, people can now open accounts, receive direct deposits, send payments, and manage spending directly from their phones.
Among these apps, Chime has become one of the most recognized names in digital banking. However, for many immigrants in the United States, traditional fintech apps may not fully meet everyday financial needs. Some people may need an app that supports ITIN-based onboarding, offers easier ways to send money to Latin America, or provides customer support in both English and Spanish.
Chime is a financial technology company that offers mobile-first banking services through partner banks. Its features include early direct deposit, debit cards, fee-friendly banking options, and automatic savings tools. Some users may look for alternatives because they want: international remittance options, ITIN or passport-based onboarding, bilingual customer support, or cash transfer flexibility.
| App | Sin comisión mensual | Acepta ITIN/Sin SSN | Soporte en español | Remesas internacionales | Transferencias P2P | Depósito directo anticipado |
|---|---|---|---|---|---|---|
| Chime | Sí | No | No | No | No | Sí* |
| Común | Sí* | Sí | Sí | Sí | Sí | Sí* |
| Current | Sí | No | No | No | Sí | Sí |
| Varo | Sí | Sí (ITIN) | No | No | No | Sí |
*Terms and conditions apply. Verify current requirements with each provider.
Común is a digital financial platform built specifically for the Latino community in the U.S. Unlike Chime and other digital banking apps, Común accepts more than 100 valid Latin American IDs to open an account, offers 24/7 customer support in Spanish, allows sending remittances to Latin America starting at $2.99, and has an app available fully in Spanish. Visit comun.app to learn more.
Varo accepts ITINs for account opening, making it more accessible for some immigrants. It offers basic banking features without monthly fees. However, it does not offer international remittances or Spanish-language support.
Current offers digital banking with early direct deposit and P2P transfers. However, it does not accept ITINs for account opening and has no Spanish support or international remittances.
It depends on your specific needs. If you need remittances to Latin America, Spanish-language support, and the ability to open an account without an SSN, Común may be the most complete option.
Chime generally requires an SSN to open an account. For immigrants who do not yet have an SSN, there may be better alternatives like Común.
Común is designed specifically for Latino immigrants in the U.S. with Spanish support, account opening with Latin American IDs, and international remittances.
Común is a financial technology company and not a bank. Banking services are provided by Community Federal Savings Bank, Member FDIC.

International Money Transfers
8 min de lectura
Knowing how to receive money from the United States is essential, as remittances have become a key part of the economy for thousands of immigrant households. According to estimates, by 2030, migrant workers will send a total of $5 billion to their country of origin.
The growing need to send and receive money from abroad has encouraged the creation of new methods specifically designed for countries like Latin America. Below, we present the fastest, easiest, and safest options for receiving your money without complications.
You will learn everything about receiving money from the United States and Latin America: key aspects such as costs and security, requirements to open an account, and different applications for sending money from the United States. By the end of this article, you will know exactly which option is best suited to your needs.
Thanks to technological advances and financial openness, sending and receiving money through digital means is increasingly simple and accessible.
However, immigrant families still face various obstacles, such as high transfer fees, bank-imposed restrictions, and weak security measures.
Undoubtedly, this is not a decision to be taken lightly. Before accepting the terms and conditions of any provider, pay attention to the following key aspects:
Access to cash quickly is a fundamental need for users receiving money from the United States. The reception time varies depending on the sender and other important factors:
A fundamental aspect to consider when receiving money from the United States is the fees, which can exceed 10% of the total amount and significantly reduce household support.
Consider an option that offers affordable costs and a favorable exchange rate.
The theft of personal data, commonly known as phishing, is the primary risk in international money transfers. To avoid becoming a victim of such fraud, make sure to use a reliable service through an official website or mobile app. Additionally, do not share passwords or sensitive information with third parties.
According to the study Remittances to Latin America and the Caribbean 2024, 60% of migrant workers in the United States send money to their mothers. It is important to choose a provider that understands your needs and offers reliable, secure, and easy-to-use platforms.
If for any reason you cannot receive money through bank transfers, look for an option that offers cash pickup locations near you, such as Oxxo or Walmart.
Regardless of the bank you choose the requirements for receiving money can be summarized as your basic personal information:
The requested data may vary depending on the receiving country, so you may be asked for more or less information. Remember, no reputable institution will ask for passwords or access information to complete transfers or send money.
If you need to send and receive money from the United States to Mexico, you can choose from the following options:
This is a simple way to receive money from the United States, as it allows you to do so from the comfort of your home via a mobile application.
In the case of Mexico, most traditional banks tend to receive transfers from the United States under their own terms and conditions. This means that fees and exchange rates vary by financial institution.
For Banorte and BBVA, the cost for international transfers is $30 plus VAT, regardless of the amount sent.
Receiving money through traditional financial institutions can be expensive; fortunately, there are more affordable alternatives.
Comun allows you to send money from the United States to Latin America with no charge on your first transfer and accessible fees thereafter. It is the preferred option among the immigrant community, offering shared language, interests, and goals: bringing families closer together through secure and affordable financial solutions.
Open your account with Comun and start sending money from the United States to your home without complications. Your family can receive it in local bank accounts or collect it physically at partner locations.
Wise is another platform that offers international money transfers. It is geared toward independent workers around the world who earn income from the United States.
Although it is a common alternative for receiving money digitally from abroad, it does not offer physical pickup options, which may be a drawback for migrant families.
Western Union is one of the most popular options among migrant workers in the United States, as it allows for cash transfers without the need for a bank account, including to rural or hard-to-reach areas.
It is a suitable option in certain circumstances, but be aware that Western Union’s commission fees are typically high, and it uses a lower exchange rate than the market.
The cost of sending money depends on several factors, such as the method used and the destination country. However, the fee can reach up to 6%, not including the exchange rate difference.
Finally, MoneyGram is an international money transfer service operating in over 200 countries, including Mexico.
As you can see, sending and receiving money from the United States does not have to be complicated. Today, there are financial services that aim to bridge the gaps that hinder communication between businesses and individuals.
Comun is an accessible option for all, offering the best benefits for immigrant families:
Compare and choose the option that best fits your needs. Remember that you have an ally in Comun to receive money from the United States without complications.
Frequently Asked Questions
With Comun, your money arrives in minutes via bank transfers. Cash pickups at partner locations take as little as 1 hour.
Fees usually depend on the amount and destination country. Comun offers a transfer fee starting at $2.99, regardless of the amount sent up to the applicable limits.
Comun provides a checking account that includes a debit card and mobile application. However, it is not required, since you can receive money at physical locations.
Absolutely. Comun is backed by major financial institutions. Your Comun account funds are insured by the FDIC up to $250,000 per ownership category through Community Federal Savings Bank (CFSB), member of the FDIC, in the event of CFSB’s failure.
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Financial Education
8 min de lectura
The bank routing number, or ABA Routing Number, is essential information for making money transfers. It is a 9-digit code used to identify each financial institution in the United States.
This code is so important because it ensures that electronic transactions are carried out correctly and that funds reach the designated bank.
In this article, we offer a complete guide to help you understand what a bank routing number is, what it does, where to find it, and how it is used in everyday electronic financial transactions.
An ABA routing number, or transit routing number, is a unique 9-digit code that serves as an identifier for each financial institution in the United States.
It differs from a bank account number in that an account number is personal, valid for the use of a single user only. By contrast, the routing number is a unique identifier for banks, credit unions, and digital banks.
The primary function of the routing number is to allow financial institutions to precisely identify which bank to send to or receive from during routine operations such as direct deposit of payroll, automatic payments (ACH), and electronic transfers.
It is important to note that this code is different from a bank account number and is not equivalent to the IBAN (International Bank Account Number), which is a set of numbers used especially in Europe to identify international bank accounts and is composed of the country code, check digits (the checksum of the bank account number), and a bank account number.
In the United States, however, the SWIFT/BIC code is used for international money transfers, not the IBAN.
Here are some crucial functions of the bank routing number in digital transactions.
The bank routing number helps prevent errors when identifying a specific bank and processing a transfer from one institution to another, even when they have similar names or many branches across the country.
This code is also indispensable so that ACH systems and wire transfers can send funds to the correct destination, quickly and securely.
The ABA number is also essential for employers to make direct deposits, using that code together with the checking account number, without the need for checks or cash.
To set up automated payments for services such as electricity, water, and online subscriptions, you must provide the bank routing number so the billing system can process the transaction automatically.
This number is also indispensable for transactions involving multiple financial institutions, such as interbank transfers or check clearing.
By now, the importance of the ABA number is clear. But how do you find a bank routing code? Knowing this information is the first step to making transfers correctly.
Likewise, it is essential to understand how to find your bank account number and to tell one number from the other to avoid confusion.
The routing number consists of 9 digits and identifies the bank. The account number has usually 10 to 12 digits and identifies the individual account within the bank.
To find your account number, look at the bottom of a check; it is the series of numbers that follows the routing number. You can also find it at the top of a statement or directly in the mobile application.
It is essential to make sure you have the correct routing number before making a transfer. Therefore, it is advisable to confirm it directly with your financial institution to avoid errors.
Many users ask where to find the routing number on a physical debit card. However, the routing number is not printed on such instrument because it is intended for digital transfers, not for payments at physical merchants.
These are the most common places to find the routing number for your bank or financial institution.
On your checks
Check the lower left corner of your personal or business checks; the routing number is the 9 digits shown there.Another relevant detail is the check number, which is usually at the top.
Mobile application
Another way to find this code is to access your mobile application and go to the transfers or direct deposit information section.
Bank statements
Check your latest bank statement, whether physical or digital; the routing number may appear in a section of that document.
Direct contact with your bank
If you have any doubt about the routing number, you can contact your bank by phone or visit a branch so they can clarify any questions before you make a bank transfer.
Throughout this article, we have learned the importance of both the bank routing number and the bank account number in the U.S. financial system. Both are indispensable for carrying out fast and secure digital transactions.
Being clear about what a bank’s ABA number is not only lets you carry out digital transactions with ease but also gives you financial autonomy to allocate your resources toward the services you need for your well-being.
The U.S. financial system can seem complicated, especially for immigrant communities. That is why Comun seeks to streamline processes and offer transactions without complications.
Open your account today and discover an ally to manage your finances in the United States.
If you have more questions, check our frequently asked questions section.
You can find it on your account statement or by calling the bank directly.
It is the code that identifies each bank and consists of 9 digits.
No. Each bank has a different routing number.
The routing number does not appear on physical cards.
It is found at the bottom of a check and consists of 9 digits.

Immigration
8 min de lectura
What Is an SSN?
A Social Security Number (SSN) is a unique nine-digit code assigned by the U.S. Social Security Administration (SSA) to citizens, permanent residents, and certain eligible temporary residents. Originally designed to manage Social Security benefits, the SSN is now widely used for tax filing, credit history, and access to government services.
People must submit their SSN application to the address provided by the Social Security Administration.
Key facts about SSNs:
An Individual Taxpayer Identification Number (ITIN) is also a nine-digit number, but it's issued by the IRS (Internal Revenue Service) rather than the SSA. People must file Form W-7 to apply for an ITIN. The ITIN is specifically for people who are required to file U.S. tax returns but aren't eligible for an SSN. This includes non-citizens without legal work authorization in the U.S., foreign investors, and dependents of U.S. citizens or residents.
An ITIN is required to file a U.S. tax return and is also used to submit a federal tax return.
Key facts about ITINs:
Differences Between ITIN and SSN
The main difference between an ITIN and an SSN comes down to who can get them and what they're used for:
ITIN vs. SSN: Why Does the Difference Matter?
Understanding the difference between an ITIN and an SSN matters for several reasons:
Conclusion
Both the ITIN and the SSN play critical roles in the U.S. financial and tax systems, but they serve different populations and purposes. Understanding the differences between these identifiers is essential for anyone navigating tax filing, financial access, and legal employment in the U.S. Whether you're a U.S. citizen, a non-citizen authorized to work, or a foreign investor, knowing which number you need — and why — can help you avoid potential legal issues and ensure you have the financial access your circumstances require.

Living in the United States
8 min de lectura
An essential guide for finding a job in the USA. The search for a job in a new country can be a challenge, many processes may feel new or unfamiliar. However, in 2026 there are plenty of online resources to help with the process, one of the most commonly used resources is online job platforms. For many Spanish-speaking employment seekers in the USA whether recently arrived or supporting a family, there are employment opportunities available, the key is to know where to find them.
To help with the search, we have created a guide designed as a practical, curated overview of the most relevant websites for finding jobs in the United States. We hope to provide useful context on which platform works best depending on your situation.
A practical starting point
Among all job platforms in the United States, Indeed continues to be the most widely used, especially for people looking for entry level or widely available opportunities. Its main advantage is volume. It gathers thousands of listings across industries from restaurants, warehouses, cleaning services, retail, to customer service. The platform allows users to apply for many positions directly through the app or website.
However, this same ease of use means competition is high. Users of the platform have reported that, for better chances of success, it is important to apply early and consistently.
Available in Spanish?
Indeed is fully available in Spanish, it is one of the most complete Spanish experiences among all websites for finding jobs in the USA.
For professional and office roles
LinkedIn is more about building a professional presence. Therefore it is very important to have a well structured profile with recommendations and references to all previous experiences to attract potential opportunities.
This platform is commonly used for roles in administration, marketing, finance, and technology. The platform is generally more focused on professional and corporate roles than hourly positions. It is also important to consider that finding a job through it tends to take some time.
Available in Spanish?
LinkedIn is partially available in Spanish. It allows you to change the interface to Spanish, including menus and profile sections. However, most job postings in the USA and recruiter interactions are still primarily in English.
For researching companies
Glassdoor is not just a job board; it is a decision-making tool. While it does include job listings, its real value lies in the information it provides about companies. Users can see salary ranges, employee reviews, and even details about the interview process.
For someone unfamiliar with the U.S. labor market, this can be helpful when evaluating workplace conditions and company culture and help identify companies with better working conditions. Many job seekers use Glassdoor alongside other job search websites in English and Spanish to confirm whether a job is worth pursuing before applying.
Available in Spanish?
Glassdoor is partially available in Spanish. It offers some Spanish interface options and content, but the experience is mixed. The reviews and salary data are often in English, depending on the company. It is still useful, but not fully localized.
Faster matching with less effort
ZipRecruiter focuses on simplifying the job search by using technology to match candidates with relevant opportunities. Instead of spending hours browsing, users receive recommendations based on their profile, and in some cases, some employers may contact candidates directly.
This approach is particularly helpful for candidates with some work experience who want to save time and avoid repetitive applications. It reflects how job platforms in the United States are evolving toward more automated and personalized systems.
Available in Spanish?
ZipRecruiter is mostly in English. It is primarily an English-language platform.
Useful for understanding salaries
SimplyHired plays a valuable supporting role. It aggregates listings from multiple sources and provides salary estimates that help job seekers understand what a position typically pays.
For newcomers trying to navigate where to find work in the USA, this information is especially useful. It helps with comparing offers and may help job seekers better understand local ranges.
Available in Spanish?
SimplyHired is partially available in Spanish. It has some Spanish interface support and localized search options. However, like other platforms, many listings remain in English.
The official path to government work
USAJobs is the official federal employment portal. It offers access to government positions, which are known for stability, structured hiring processes, and strong benefits.
However, it is important to be realistic about accessibility. Most roles require legal residency or U.S. citizenship, which may limit eligibility for some applicants.
Available in Spanish?
USAJobs offers limited Spanish support. It is mainly in English, as it is the official government portal.
A path to find remote work
As remote work continues to grow, FlexJobs has become one of the most reliable platforms in this space. Unlike larger job boards, it focuses on curated listings, which may help reduce exposure to fraudulent or low-quality listings.
This makes it particularly useful for people looking for flexibility, whether they are freelancers, parents, or simply prefer not to work in a traditional office setting. In the context of websites for finding jobs in the USA, it stands out for prioritizing quality over quantity.
Available in Spanish?
FlexJobs operates almost entirely in English.
A practical option for remote income
Upwork allows users to work as independent contractors, offering services in areas such as writing, programming, design, and digital marketing. It has become one of the most relevant platforms for remote work, especially as companies increasingly hire global talent.
While it requires time to build a profile and reputation, some users use it to generate freelance or supplemental income and open doors to long-term clients. It is particularly useful for people with digital skills who are looking for flexibility.
Available in Spanish?
Upwork offers a Spanish interface, which makes it more accessible than many remote platforms. However, most clients post jobs in English.
For turning skills into income
Fiverr offers a slightly different model from Upwork. Instead of applying to jobs, users create service listings and set their own prices, allowing clients to find them directly.
It is commonly used for creative work and as a source of side income, but it can also grow into a full-time opportunity. Within the broader landscape of job search websites in English and Spanish, Fiverr stands out for its flexibility and accessibility.
Available in Spanish?
Fiverr also supports Spanish in its interface. Since you create your own service listings, you can write them in Spanish, English, or both, which gives you flexibility depending on your target clients.
A more curated, culture-focused option
The Muse is smaller than other platforms but offers a more curated experience. It focuses on companies that prioritize workplace culture and transparency, giving candidates a clearer idea of what to expect.
This makes it particularly appealing for younger professionals or those looking for a better long-term fit rather than just immediate employment. While it may not be the first stop for most job seekers, it can be a valuable complement to larger platforms.
Available in Spanish?
The Muse is primarily an English-language platform with no full Spanish interface.
These platforms are useful within their unique context, the key to making the most out of them is understanding what they offer and how they fit in your situation. Someone looking for quick, entry-level work will likely benefit most from Indeed, while a candidate pursuing a long-term professional career should prioritize LinkedIn. Those interested in flexibility or remote income may find better results through FlexJobs, Upwork, or Fiverr, while individuals seeking long-term stability may consider USAJobs if they meet the requirements.
In practice, the most effective strategy is not to rely on a single platform. Combining two or three of these tools creates a more balanced approach and may improve job search efficiency.
When exploring websites for finding jobs in the USA, one practical question often comes up early in the process: what happens if you don't yet have a Social Security Number (SSN)? In most formal employment situations, an SSN is required because employers use it for payroll and tax reporting. However, during the application stage, many platforms still allow you to apply without entering one.
If you already have legal work authorization but are waiting for your SSN, you can:
The key distinction is that an ITIN allows you to comply with tax obligations, but it does not grant permission to work.
Requirements can vary depending on the employer and the type of role, therefore it is important to confirm what documentation will be needed once you move forward in the hiring process.
Using the right job platforms in the United States is the first part of the process. How you present yourself still plays a major role in whether you get a response.
When it comes to interviews, preparation is just as important:
Applying regularly, following up when appropriate, and staying organized throughout the process may help improve consistency throughout the job search.
Once you are successful and you find work in the United States, it is important to know how and where you are getting paid. Most employers rely on direct deposits, which requires access to a U.S. bank account. For many immigrants, this can be a challenge. Some financial institutions and fintech platforms offer products designed for individuals who may have limited access to traditional banking services. From traditional banks to digital platforms it's important to learn about their requirements and their offers. For example, with Común you can open a debit account using a passport or more than 100 valid Latin American IDs and Común's app is available in Spanish.
Yes. To work legally in the U.S., you must have valid work authorization. This typically comes in the form of a work permit (Employment Authorization Document, or EAD) or a visa that allows employment.
There are several common pathways depending on your situation. Temporary work visas like the H-2A (agricultural work) and H-2B (seasonal non-agricultural work) are frequently used. Professional visas such as the H-1B apply to specialized roles, while other options like TPS (Temporary Protected Status) or asylum-based work permits may apply depending on your country of origin and circumstances.
Each option has specific requirements, so it is important to verify eligibility with the official authorities.
Yes, it is possible. Many jobs, especially in construction, cleaning, manufacturing, agriculture, and restaurants do not require advanced English. In cities with large Latino populations, it is common to find Spanish-speaking work environments.
However, improving your English can significantly expand your opportunities and increase your earning potential over time.
Employment agencies, also known as staffing agencies, act as intermediaries between companies and job seekers. They help match candidates with available positions, often for temporary, seasonal, or entry-level roles.
For many newly arrived immigrants, these agencies may help some job seekers connect with available opportunities, especially if someone does not yet have a strong professional network in the United States.
The key to navigating the U.S. job market in 2026 is not just knowing the websites for finding jobs in the USA, but understanding how to use them strategically. Each platform serves a different purpose, and choosing the right one may help better organize search and identify opportunities aligned with goals and experience. We wish you the best of luck in your job seeking process!

Immigration
8 min de lectura
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.
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.
In Latin America, it’s common to see two-page CVs, while the American resume is usually limited to one page.
U.S. recruiters look for quantifiable data and measurable results, while in Latin America it’s more common to include task descriptions and responsibilities.
To prevent discrimination, U.S. resumes do not typically include a photo, age, or nationality.
The use of ATS (Applicant Tracking Systems) to detect keywords is widespread among U.S. companies.
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.
Here’s a step-by-step guide to writing a strong U.S. resume that passes ATS filters and captures recruiters’ attention.
Avoid flashy designs, as they can make reading difficult and hurt your ATS score. Choose a clean, organized, and easy-to-scan format.
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.
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.
It’s essential to list your work experience clearly and in chronological order.
To write your professional achievements, use the XYZ formula, structured as follows:
For example:
“Improved the brand’s visual identity through an e-commerce rebranding project, reducing cart abandonment by 50%.”
List your academic background, including institution name, degree, and attendance dates.
The skills section is key to making your resume stand out.
It’s recommended to separate this section into soft skills and technical skills.
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.
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.
Here are some things to avoid when writing your resume.
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!
Discover Común, the option dedicated to meeting the needs of immigrant communities in the United States with services available in Spanish.
If you still have questions, check out the next section.
It’s not necessary to include references in your resume, as companies usually request them later in the hiring process.
The 3 most important details are: contact information, professional experience, and skills.
The resume format used in the U.S. is becoming common in other countries, so the language should match the job posting.







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.