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

Establece un presupuesto para el supermercado:

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

Ten cuidado con las tácticas de venta:

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

Usa cupones:

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

Compra solo lo esencial a granel:

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

Revisa las ofertas en las estanterías de descuento:

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

Revisa tu despensa:

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

Utiliza aplicaciones para ahorrar en comida:

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

Come fuera durante la hora del almuerzo o happy hour:

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

Reduce la frecuencia de comer fuera:

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

Espacia tus visitas al supermercado y elige una sola tienda:

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

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

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

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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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How to create an emergency fund and save in the U.S., step by step

If you’re new to the United States or facing financial challenges, it’s very important to have strategies to prepare for any eventuality.

An emergency fund is an excellent way to do this, and it also builds your financial literacy. It’s a cash reserve meant to cover unexpected expenses such as illness, job loss, home repairs, etc.

Having this cushion gives you peace of mind and removes uncertainty about the future, since it provides the liquidity you need to handle the unexpected.

You might think you need to earn a lot to build an emergency fund. Below, we’ll show that even with limited resources, you can start securing a future without financial complications.

What is an emergency fund and why is it key to your financial peace of mind?

Surely at some point during your time in the U.S., you’ve faced financial emergencies that made it hard to cover daily expenses—traffic fines, immigration procedures, illnesses, unemployment, repairs, etc.

An emergency fund is meant to support your finances precisely when those events occur. It’s savings set aside to handle all kinds of unforeseen expenses.

Beyond a stash of money, think of the emergency fund as a way to maintain peace of mind and reduce stress; it helps you preserve financial stability and avoid going into debt.

How much should you save in your emergency fund?

Knowing how to size an emergency fund is the first dilemma for many who aren’t used to long-term saving. While the ideal target is 3–6 months of basic expenses, if your income is limited you can start with small savings goals.

Below is a comparison of how your emergency fund would grow assuming expenses equal to 50% of total monthly income.

Monthly income

Approx. monthly expenses

3-month savings target

6-month savings target

$1,500

$750

$2,250

$4,500

$2,500

$1,250

$3,750

$7,500

$3,500

$1,750

$5,250

$10,500

Where should you keep your emergency fund so it’s safe and accessible?

It’s very important to choose a safe, easy-access place for your emergency fund and keep it separate from the money you use for daily expenses.

Today there’s a wide variety of savings accounts, both from traditional financial institutions and online platforms.

Whatever you choose, the following options are not recommended for storing your emergency fund.

• Cash at home

Whether under the mattress or in a piggy bank, keeping your emergency fund in cash is not a good idea for several reasons. First, there’s the risk of theft or loss. Also, the cash earns no interest and loses value to inflation. Another drawback is low accessibility if you need to cover expenses digitally.

While it’s true that opening a checking account can be challenging for immigrants in the U.S., there are accessible options so you don’t have to keep the emergency fund in cash.

• In high-risk investments

Although investments have advantages, high-risk ones involve sharp fluctuations that could cause losses. They also often require locking funds for a long period.

Simple strategies to build your emergency fund

If you’re new to personal finance, the first thing to know is that an emergency fund isn’t just for high earners. The key is to examine your lifestyle and spend according to a savings plan.

Step 1. Calculate your basic monthly expenses

The first step is to list all your fixed monthly expenses and the amount for each.

Example:

• Rent: $1,300

• Transportation (public or private): $100

• Tuition: $200

• Subscriptions: $50

Then list your variable expenses and calculate a budget. To be more accurate, track all your spending by category.

Example:

• Food: $300

• Leisure: $200

Finally, total your monthly spending. In the example above, monthly expenses add up to $2,100.

Step 2. Set your first goal

At first, reaching 3–6 months of expenses can sound impossible. You don’t have to give up what you enjoy—start with a small amount each month and increase gradually.

Your first savings target depends on your income, your expenses, and the resulting capacity to save.

Step 3. Adjust your budget and allocate a fixed percentage to savings

After doing the math, add “savings” as a fixed expense so you set that money aside every month.

Step 4. Automate with scheduled transfers

Ideally, open a new account so your emergency fund doesn’t mix with daily-use money.

An easy way to fund it is with automatic transfers so you don’t have to remember to move money each time.

Step 5. Review and raise your goal until you reach 3–6 months of expenses.

After a few months of hitting a small goal, reassess your budget and consider increasing your savings as you’re able.

Organize and protect your money with Común

As you can see, an emergency fund provides financial security for unexpected events. It’s also easy to start with small goals and increase gradually until you reach financial peace of mind.

The next step is choosing a safe place to keep your emergency fund secure.

Meet Común, the financial platform dedicated to making life easier for immigrants in the United States!

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

• Send money to your family with clear, competitive fees.

Común is a financial platform designed to support your first steps toward financial stability in the U.S.

Open your account with Común today and start your emergency fund with a financial ally that truly understands you.

Frequently Asked Questions (FAQ)

If you still have questions, check this section.

Is it better to save for the emergency fund or pay debts first?

Having debts doesn’t prevent you from starting an emergency fund. Just include debt payments among your fixed monthly expenses and set your savings goal accordingly.

What happens if I use the fund and end up with no savings?

If you use your emergency fund for unexpected expenses, that’s fine—that’s its purpose. If you run it down, don’t worry; just start again based on your budget.

When should I use my emergency fund?

Your emergency fund is intended to cover unexpected events like medical bills, appliance breakdowns, layoffs, etc. When that happens, use it—and keep saving afterward.

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

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

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

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

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

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

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

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

4 main requirements to obtain the H-1B visa

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

1. Minimum education level

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

2. Job offer from a U.S. employer

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

3. Common professions where it applies

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

• Various branches of engineering.

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

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

• Healthcare.

• Finance, economics, and accounting.

• Architecture, mathematics, and technical fields.

4. Annual visa cap and the lottery process.

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

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

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

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

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

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

What is the H-1B application process?

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

1. Register in USCIS’s system

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

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

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

2. Employer files the petition

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

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

3. USCIS review and approval

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

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

4. Consular processing or change of status

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

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

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

Benefits and limitations of the H-1B visa

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

Benefits

Lawful work in the United States

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

Potential path to permanent residence

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

Limitations

Maximum duration of 6 years

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

Employer dependency

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

Annual cap

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

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

Take the next step on your immigration path with Común

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

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

• Debit card for everyday purchases and payments.

• Fast money transfers to your home country.

• Secure payment options.

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

Frequently asked questions

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

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

How long does the H-1B last?

A maximum of 6 years.

How much does an H-1B visa cost?

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

An anti-fraud fee may apply.

One way to improve personal finances and optimize expenses is to apply modern, automated savings alternatives linked to daily purchases through various payment methods.

Los programas de recompensas con reembolso son una alternativa para que tu dinero rinda más, ya que ofrecen recompensas que te permiten obtener reembolsos en tus compras.

There are different ways to access these types of benefits: through automatic promotions from some credit cards, shopping platforms that reward users for shopping at their partner stores, and certain mobile applications that credit cashback for purchases like fuel.

Knowing and applying these strategies will help you improve your financial management and reduce your worries. Comun is the platform that helps you improve your financial relationship and make your life easier.

Below, we’ll explain how cashback reward works and share some tips to get the most out of it with the right financial platforms.

What is cashback and how does it work?

Cashback can be understood as a discount on your purchases. You earn cashback after buying a qualifying product or at a participating store.

Cashback appears in everyday purchases — for example, when you go to a café and pay with an eligible card, when you shop through an app that offers this benefit, or when you pay for gas with a cashback-enabled card.

Although the ultimate goal of cashback is to reduce part of the cost, it has some differences compared to traditional discounts.

Cashback Reward

Traditional discounts

Definition

Returns a percentage of your purchases after you make them.

Reduces a product’s price before purchase.

Advantages

• Generates passive savings, even with regular prices. Some programs combine other additional benefits.

• Immediate savings. 
• Available to all users, please note some might require registration.

Disadvantages

The cashback reward can take several days or weeks to be credited. Available only with participating cards or mobile apps.

• Availability depends on each store or seller. 
• Most discounts cannot be combined with other promotions.

The cashback reward varies depending on the financial institution or program offering it. To calculate it, use the following formula if cashback reward is by percentage:

Total Cashback Reward = (purchase amount) × (cashback percentage)

For example, if your debit or credit card offers 2% cashback and you spend $100, you get $2 back.

Here are the some of the ways to receive the cashback reward, depending on the program:

• Automatic deposit into the same account used.

• Balance accumulated in points until reaching a minimum withdrawal amount.

• As a credit valid for future purchases.

Benefits of cashback reward for your personal finances

Cashback reward is a very useful tool to make the most of every dollar spent, saving amounts that might seem small at first but make a difference later when buying essentials.

Therefore, cashback reward encourages financial education by promoting consistency and smart shopping habits.

Here are some practical advantages of cashback reward:

• You recover part of your spending: every time you make a purchase, you could earn some money back.

• Better expense control: generally, cashback reward providers offer a mobile app where you can view your expenses by category.

• Take advantage of offers without hurting your budget: cashback rewards you for making your usual purchases without falling into compulsive spending habits.

Remember that consistency is key when using cashback reward to ease future expenses such as gas, groceries, or medicine — and to increase your ability to save and send more money to your loved ones in your home country.

3 practical tips to use cashback reward wisely

Using cashback reward is itself a smart way to handle daily purchases. Keep these tips in mind to make the most of this benefit.

1. Make regular purchases like groceries, transport, or planned services

Use cashback reward only for purchases already included in your budget. This allows you to earn rewards from items you always buy, without falling into poor spending habits.

2. Avoid buying unnecessary things just to get cashback reward

The fact that a product offers a cashback reward, no matter how high, isn’t reason enough to buy it if you don’t really need it.

3. Track the money you get back each month

It’s advisable to track how much cashback you earned each month and ensure it’s credited back correctly, which helps you know exactly how much you’re saving and motivates you to maintain good financial habits.

You can use spreadsheets or cashback reward mobile apps that include financial management tools to help with this.

Move your money easily with Comun

In this article, we explained what cashback reward means, its benefits, how it works, and ways to use it wisely.

The habit of saving is essential, especially for immigrants living in the United States who seek to improve their quality of life and that of their families. While cashback reward helps optimize regular purchases, Comun simplifies financial management through a comprehensive platform.

Comun is the financial platform designed to ease financial management for immigrants in the United States.

Discover all the benefits Comun has for you!

• Send money from the United States to Latin America with clear and competitive fees, up to the applicable limits.

• You can open an account with a qualifying official identification from your home country.

• Access your financial history from an intuitive and friendly mobile app.

• Get a debit card to cover your daily expenses.

Remember that managing the savings you earn through cashback reward will allow you to support your family’s projects and goals.

Turn your cashback reward into more opportunities for you and your family.

Frequently Asked Questions (FAQ)

If you still have questions, check the section below.

Can I use cashback reward for my daily expenses?

Yes, cashback reward is designed to give you a percentage back from everyday purchases such as gas, groceries, and public transportation. However, it’s not recommended to use cashback reward as motivation to make unnecessary purchases.

Do I need a credit card to get cashback ?

Although credit cards are one of the most common ways to earn cashback reward, they are not required — there are other alternatives such as debit cards with cashback or digital accounts, as well as platforms like Rakuten, Ibotta, Upside, or Honey.

What is cashback on credit cards?

Cashback on credit cards is a way to earn a percentage of cashback for your purchases. Some financial institutions also offer bonuses or additional benefits. If you use a credit card, make sure to pay the full balance to avoid interest charges.

What is cashback on debit cards?

It’s a benefit that gives you a percentage of your purchases back directly to your debit card.

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

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

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

What is an immigration recommendation letter and why it matters

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

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

Permanent residence

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

Asylum cases

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

Work visas such as EB-2 NIW

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

Naturalization

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

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

Who can write an immigration recommendation letter?

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

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

Family members

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

Close friends

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

Employers or colleagues

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

Community or religious leaders

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

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

Steps and structure for writing an immigration recommendation letter

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

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

Header and formal salutation

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

Sender’s introduction

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

Body of the letter

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

• Values: honesty, responsibility, solidarity, etc.

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

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

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

Closing and signature

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

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

Sample immigration recommendation letter

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

Sender’s full name

Address

Phone number

Email

Date

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

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

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

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

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

[Signature][Full name]

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

Común, your financial ally in the United States

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

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

Discover the benefits of Común!

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

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

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

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

Frequently Asked Questions (FAQ)

If you still have questions, see the section below:

How many recommendation letters do I need for immigration?

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

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

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

Is it acceptable to submit a recommendation letter in Spanish?

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

What is cashback and how does it work? A 2026 Guide

Cashback is a rewards system that gives you back a percentage of the money you spend on eligible purchases. In simple terms, when you buy something using certain credit cards, debit cards, apps, or rewards programs, you may get a percentage of your money back on purchases, though it is usually credited to your account rather than handed over as physical cash.

If you recently moved to the United States or are learning how the financial system works, you may have heard the term 'cashback' while shopping at places like Walmart, Target, gas stations, supermarkets, or online stores.

For many people, cashback can become a practical tool to manage everyday expenses such as groceries, transportation, gas, and household purchases. While the amounts may seem small at first, they can add up over time when used consistently and responsibly.

What is cashback?

Cashback is a type of financial reward that returns a percentage of your purchase after you spend money with a participating payment method or rewards platform.

For example:

• If you spend $100 at the supermarket using a card that offers 2% cashback, you may receive $2 back
• If a cashback app offers 5% cashback at a participating gas station and you spend $60 on fuel, you may receive $3 back

Unlike traditional discounts, cashback usually happens after the purchase is completed. The Consumer Financial Protection Bureau (CFPB) explains that cashback rewards are commonly offered through credit cards and loyalty programs as an incentive for spending.

How does cashback work?

Cashback programs generally follow a simple process:

• You make an eligible cashback purchase using the participating card, app, or rewards account
• The transaction is recorded by the provider
• A percentage of that purchase is returned to you as cashback

The reward may appear as:

• Statement credit
• Bank deposit
• Gift card
• Rewards balance
• Redeemable points
• Store credit

Some cashback rewards appear within a few days, while others may take an entire billing cycle or longer to process. There are often minimum redemption thresholds before you can claim your cashback. Certain programs may include expiration dates. It is also important to understand that not every purchase qualifies for cashback.

Cashback vs. traditional discounts

While cashback and traditional discounts can both help consumers save money, they work in different ways. A traditional discount lowers the price immediately at checkout, while cashback returns part of the money after the purchase has already been completed.

Types of cashback in 2026

Not all cashback programs work the same way. Before signing up for a cashback program, it is important to review details such as annual fees, interest rates, minimum redemption, expiration policies, and spending categories.

Fixed-rate cashback

This type gives the same cashback percentage on all purchases. Example: 1.5% cashback on everything you buy. This structure is simple because you do not need to track categories or rotating offers.

Category-based cashback

Some cards or apps offer higher cashback percentages in specific categories such as supermarkets, restaurants, gas stations, or streaming subscriptions. For example: 3% on groceries, 2% on gas, 1% on all other purchases.

Rotating cashback categories

Some providers change cashback categories every few months. One quarter may focus on gas stations and grocery stores; another may include online shopping and travel purchases. These programs sometimes require manual activation each quarter.

Welcome bonuses

Certain credit cards offer introductory cashback bonuses if you spend a minimum amount during the first months after opening the account. For example: spend $500 in the first 3 months and receive $150 cashback bonus. The Federal Trade Commission recommends reviewing terms carefully before applying for financial products with promotional offers.

Where can you get cashback in the United States?

Credit cards:

Many credit cards in the U.S. include cashback rewards. Some examples include products from Discover, Chase, Capital One, and American Express. Some cards focus on categories like dining or travel, while others offer flat-rate cashback.

Debit cards:

Some financial institutions offer cashback debit cards, although rewards are usually smaller than those offered by credit cards. This may appeal to people who prefer avoiding debt or credit card interest.

Cashback apps:

Several mobile apps partner with retailers and offer cashback rewards for purchases. Examples include Rakuten, Ibotta, Upside, and Honey. These apps may provide cashback for grocery shopping, online purchases, gas stations, and restaurants.

Store loyalty programs:

Retailers sometimes offer cashback or store rewards through membership programs. For example, supermarkets, pharmacies, and warehouse stores may return store credit or savings points after purchases.

Cashback vs. points vs. miles: Which is better?

Although they are often grouped together under the category of 'rewards,' each one works differently and can be useful depending on a person's spending habits, financial goals, and lifestyle.

Cashback programs generally return a percentage of the money spent on eligible purchases. Points systems usually assign a numerical value to purchases that can later be redeemed for products, gift cards, discounts, or services. Travel miles are typically associated with airlines, hotels, or travel-focused credit cards.

For many people, especially those focused on getting some value on their everyday expenses such as groceries, transportation, gas, or household purchases, cashback can feel more useful as the reward is directly connected to money rather than conversion systems or travel programs.

3 practical tips for using cashback responsibly

1. Use cashback for purchases you already planned

Focus on recurring expenses such as groceries, gas, transportation, and utility bills. This helps you avoid overspending simply to earn rewards.

2. Don't buy things you don't need

A cashback offer does not automatically make a purchase worthwhile. For example, spending $200 to earn $4 cashback may not help your finances if the purchase was unnecessary.

3. Track your cashback earnings

Many apps and financial platforms allow you to monitor spending categories, cashback totals, and monthly rewards. Tracking your rewards can help you understand your spending patterns and maintain financial goals.

Does Común offer cashback?

No. Común does not currently offer cashback programs.

However, Común provides tools and resources that offer guidance for Latin American immigrants navigating the U.S. financial system.

While cashback might be useful for some people, it is important to pay attention to commissions, as savings when commissions are included might not be as strong as initially perceived. When comparing financial tools in the United States, cashback is only one factor to consider. Fees, commissions, account accessibility, and transparency can also affect your financial experience over time.

Común's cost for opening a debit account is $0, same as the $0 minimum balance and $0 monthly commission for the debit account.

FAQ

What is cashback and how does it work?

Cashback is a rewards system that returns a percentage of your purchases after you spend money using eligible cards, apps, or loyalty programs.

How is cashback calculated?

Cashback is usually calculated as a percentage of the purchase amount. For example, if you spend $100 and your cashback rate is 2%, you receive $2 back.

Where can I get cashback in the United States?

Cashback is commonly available through credit cards, debit cards, shopping apps, and retailer loyalty programs.

What is the difference between cashback and points?

Cashback returns money directly, while points are part of rewards systems that may only be redeemed for specific products, gift cards, or services.

Does Común offer cashback?

No. Común currently does not offer cashback.

Is cashback taxable?

In many cases, cashback earned through purchases is generally treated as a rebate rather than taxable income. However, tax treatment may vary depending on how rewards are earned. The IRS recommends consulting a tax professional for specific situations.

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How to call Colombia from the U.S. in 2025 easily and affordably

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.

Basic steps to call Colombia from the USA

Before calling anyone in Colombia, know the sequence: international prefix + country code + local number.

1. Enter the U.S. exit code – 011

This is the international prefix from a landline. If you’re using a mobile phone, use the “+” sign instead.

2. Dial Colombia’s country code – 57

This identifies Colombia in the international telephone system.

3. Dial the local number in Colombia

For landlines include the city area code. For mobile phones, dial the full 10-digit mobile number.

Examples:

• Call Bogotá (landline): 011 + 57 + 1 ####### 
• Call Medellín (landline): 011 + 57 + 4 #######

If you’re still planning a move to the U.S., don’t miss our guides on cost of living and the minimum wage.

Area codes and dialing examples for Colombian cities

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 #######

Digital alternatives and budget-friendly plans to call Colombia

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.

• Internet-voice apps (VoIP):

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.

• International calling plans from your U.S. carrier:

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.

• Prepaid calling cards as a flexible option:

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.

Stay connected with family in Colombia with Común

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!

• International money transfers: the simplest way to send remittances to family with fair, transparent pricing.

• Común’s mobile app in Spanish and English: open an account with 100+ eligible official IDs and get support in your language.

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.

Frequently Asked Questions (FAQ)

Still have questions? Check our FAQ section below.

What if I don’t dial 011 or “+”?

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.

What’s the cheapest way to call Colombia from the USA?

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.

How much does it cost to call Colombia from the USA?

Costs vary by method. For example, AT&T offers unlimited add-ons around $15/month and Verizon offers 300 minutes for about $10/month.

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Banks that support Zelle in 2026: sending and receiving money in the U.S.

Zelle is built directly into many bank accounts in the U.S., which is why it has become one of the most widely used ways to send money. Today, more than 2,000 banks and credit unions offer access to the service.

Understanding how that network works is key to knowing whether you can use it with your account. That distinction matters more today than it did a few years ago. Since April 2025, Zelle is no longer available as a standalone app. Access depends entirely on whether your bank is part of the network.

What Is Zelle?

Zelle is a peer-to-peer payment network owned by Early Warning Services LLC (EWS), a company co-founded by seven of America's largest banks: Bank of America, Capital One, Chase, PNC, Truist, U.S. Bank, and Wells Fargo. It allows you to send money directly from your bank account to another person's bank account using only a phone number or email address. Transfers are typically completed within minutes.

What are the benefits of Zelle?

The main appeal of Zelle is its speed, simplicity, and convenience. Transfers are typically completed within minutes and move directly between bank accounts without the need to load funds into a separate app or digital wallet. In most cases, there are no fees for sending or receiving money, making it a practical option for everyday payments such as rent, shared expenses, or paying friends and family.

Because Zelle is integrated into your bank's app, there is usually no additional setup beyond enrolling your email address or mobile number. Funds are deposited directly into your account and are generally available quickly.

Why does bank support matter?

As of April 1, 2025, Zelle can only be accessed through participating financial institutions. If your bank or credit union does not support Zelle, you generally can't use the service.

Zelle supported banks list

Zelle partners with more than 2,300 financial institutions. To search for a specific bank or credit union, visit zellepay.com/get-started.

Below is a representative, not exhaustive list of financial institutions that currently offer Zelle:

Please note that Zelle limits often depend on factors such as account age, transaction history, recipient details, and other risk-based criteria established by the financial institution. Please refer to your financial institution for the most up-to-date information.

How to enroll in Zelle with your bank?

Since the standalone Zelle app has been discontinued, you must enroll through a participating bank or credit union app. The following steps generally apply to most participating financial institution apps:

• Open your bank's mobile app and locate 'Zelle' in the payments or transfer section
• Select 'Enroll with Zelle' or 'Send Money with Zelle'
• Enter your U.S. mobile number or email address
• Verify your identity using a one-time verification code
• You're then able to send and receive money using a recipient's phone number or email address

Please note that both the sender and recipient generally must be enrolled with Zelle through participating financial institutions for transfers to be completed. If the recipient isn't enrolled, they may receive instructions on how to enroll. If enrollment is not completed within the applicable timeframe, the transaction may be canceled and refunded.

Is Zelle Safe? Common scams to avoid

Zelle uses bank-level encryption and security protocols and operates within participating financial institution apps. However, many reported issues involving Zelle are associated with fraud or social engineering scams rather than technical failures.

Because Zelle transfers are typically processed quickly and may be difficult or impossible to reverse once authorized, scammers may attempt to pressure users into sending funds.

Common Zelle Scams in 2026:

Fake bank fraud alerts:

Scammers may send text messages appearing to come from your bank asking whether you authorized a transaction. After you respond, you may receive a call from someone falsely claiming to represent the bank and instructing you to transfer funds to 'reverse' fraud. In reality, the funds are being sent to the scammer.

Impersonation scams:

Scammers may claim to represent a bank, government agency, utility company, or another trusted organization and pressure victims into sending money immediately.

Marketplace scams:

Fraudsters on platforms such as Facebook Marketplace or Craigslist may request payment through Zelle. After funds are sent, the item may never arrive or the payment may later prove fraudulent.

Overpayment scams:

A scammer may claim to have 'accidentally' sent money and ask for it to be returned. Their original payment may later be reversed or determined to be fraudulent.

How to stay safe:

• Use Zelle primarily with people you know and trust
• Never send money to 'verify' your account or reverse fraud
• If you receive an unexpected call claiming to be from your bank, hang up and contact the bank using the number on the back of your debit card
• Enable transaction alerts through your banking app
• Treat every Zelle payment as potentially final before authorizing it

Are there alternatives to Zelle for people without a traditional bank account?

Zelle's transition away from a standalone app in April 2025 created challenges for individuals who do not have accounts with participating financial institutions.

Venmo and Cash App

Remain popular alternatives for domestic transfers and may not require a traditional bank account to get started. However, they generally do not support international money transfers.

Wise

Allows users to receive and send funds internationally using local bank details in many currencies. It is commonly used for international transfers and is known for transparent pricing and exchange rates based on the mid-market rate.

Común

Is a financial platform that promotes financial inclusion for individuals who may face barriers with traditional U.S. banks, offering user-friendly, Spanish-language support. With Común you can make transfers within and outside the U.S. and send money to friends and family throughout Latin America, with fees starting at $2.99 per transfer. Visit comun.app to learn more.

FAQ

Does Zelle charge fees?

Zelle itself generally doesn't charge fees to send or receive money. However, your financial institution may have its own fee structure for the underlying account. It is important to check the specific details with your financial institution.

What if my bank doesn't use Zelle?

Since the standalone Zelle app was discontinued in April 2025, your options may include opening an account with a participating financial institution or using an alternative service such as Venmo, Cash App, Wise, or Común.

Can I use Zelle without a U.S. bank account?

No. Zelle generally requires a U.S. bank or credit union account at a participating financial institution.

Can I send money internationally with Zelle?

No. Zelle supports transfers only between U.S. bank or credit union accounts at a participating financial institution. For international transfers, consumers may consider alternatives such as Wise, Remitly, or international money transfer providers.

What happens if I send money to the wrong person?

Contact your financial institution immediately. Once funds are delivered, cancellation or recovery may not be possible.

Access Matters When Choosing a Bank for Zelle

Choosing between banks that supports Zelle ultimately comes down to access and convenience. While the network is broad, access depends on maintaining an account with a participating financial institution. For some consumers, a traditional bank or credit union may meet their needs. Others may prefer platforms designed to support individuals who face barriers to accessing traditional banking services. If Zelle access is important to you, it may be helpful to consider not only which financial institutions support the service, but also which ones best fit your individual needs.

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Living and working abroad? Remittances might be for you if you want to send money to family members, friends, or other beneficiaries in another country.

Remittance is money transfers from one person to another, usually across borders. They are most commonly sent by immigrants who send a portion of their income to support their families back home. However, remittances can also be personal gifts, financial support, or payments between relatives or friends who maintain social or economic ties despite the distance.

Do you know the difference between a remittance and a bank transfer payment?

Remittances can be money transfers, however what is commonly understood as remittances are voluntary person-to-person transfers, usually between family members. For example: a worker in Texas sending money to their parents in Mexico, a nurse in Florida sending money to her siblings in Honduras, or a student helping their grandparents in Guatemala. Bank transfers on the other hand, can include payments between companies, international trade payments, foreign direct investment, loans between corporations, or government aid.

In summary, remittances are personal, cross-border, person-to-person transfers.

How can you send remittances from the United States to Latin American countries?

Today there are more options than ever to send money to Latin America from the U.S. The process is usually very simple:

#1 Choose a remittance provider

Your remittance service provider can be a financial mobile application, a traditional bank like Wells Fargo, a specialized money transfer service like Western Union or MoneyGram, or a fintech company like Remitly.

#2 Select the destination country and delivery method

Each company offers different delivery options depending on their services and local partnerships. Delivery options vary in cost depending on the provider and the urgency.

#3 Enter the amount and confirm the exchange rate and fee

The amount received by the recipient varies by the exchange rate used by the provider and the service fee they charge. Some companies might charge no fees, but their business model relies on the exchange rate markup.

#4 Pay for the remittance

With so many options available, remittances can be paid with various methods including:

• Bank account (ACH).
• Debit card.
• Credit card (often the most expensive).
• Cash
  
  

#5 The recipient receives the money

It can take minutes to days for the recipient to receive the funds, depending on how the funds are received or by the type of remittance provider used to send the remittance. 

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How much does it cost to send remittances from the United States?

The total cost depends on two main factors:

1. Service fees

This is the fee the provider charges to send the remittance. It can range from $0 to over $20 USD per transaction depending on the provider and payment method used.

• Bank account: typically the cheapest.
• Debit card: mid-range cost.
• Credit card: most expensive (fees + potential interest)
  
  

2. Exchange rate costs

Some companies have different  exchange rates, making the remittance more expensive even if the service fee is advertised as “$0.” Sometimes the fee for the service provider is included within the added margins in exchange rates. 

3. Other possible additional costs

These may include cash pickup fees, limits for high transaction amounts, or fees charged by participating banks. It is important to understand the fees in remittance costs to be able to manage your funds in a way that makes sense to you.  

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What should you consider before sending money abroad from the United States?

To choose the best option, you can always consider:

1. Total costs (fee + exchange rate). Sometimes comparing only the fixed fee is not enough to fully understand the cost of a remittance or transfer.
   
   
2. Delivery time. If the recipient needs the money the same day, it could be best to choose an quick service.
   
   
3. Delivery method. Cash pickup can be useful if the recipient doesn’t have a bank account. Other options include bank deposit or digital wallets, which can be practical and low-cost.
   
   
4. Convenience for the sender. If you send money frequently, it is recommended to evaluate apps that allow saved recipients, automatic payments, recurring transfers, or exchange-rate alerts or options that adjust and serve your needs.
   
   
5. Limits and requirements. Not all money transfer service providers are the same. Some services require government-issued identification to provide their services, while others require a U.S. bank account and, in some cases, proof of identity (some providers accept foreign passports as proof of identity to send remittances if the sender can prove residency in the United States) for large transfers.
   
   

What Companies Offer Remittance Services from the United States?

In the U.S., there are several types of companies offering remittance services:

Traditional money transfer companies, for example: Western Union, MoneyGram, and Ria Money Transfer. These companies have physical branches in many locations. Fees could be higher than alternatives and the exchange rates can be less competitive.

Traditional banks: However, not all banks provide this service, but institutions like Bank of America and Wells Fargo allow international transfers through online banking or in-branch. However, it is important to consider that the fees can reach up to $60 USD depending on the bank, and transfers can take up to 5 business days. For this option, a bank account with the institution is needed or cash transfers are done directly at a branch.

Digital first companies (apps): Examples include Remitly, Wise, WorldRemit, and Xoom (from PayPal). These companies can offer more competitive pricing and faster transfers. These options are presented as an alternative to traditional banks or Western Union. Comun is one of these platforms, combining a fintech experience with extra benefits like a digital account and an easy-to-use app available in Spanish.

Convenience stores: For example, Walmart offers in-person remittance services. For example companies like Comun can also offer services like cash funding in retails or ATM locations. With a Comun open account you can deposit cash at one of over 90,000 retail locations (Walmart, 7-Eleven, Walgreens, and more)  and then complete the remittances conveniently from your app. 

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What do I need to send remittances from the United States to Latin American countries?

Requirements vary by provider and they depend on:

-How the remittance is sent, and
-How the remittance is received.

For example, if sending money for cash pickup, the most important information is the recipient’s full legal name as it appears on their official ID, since they’ll potentially need to present it to pick up the money.

For a bank-to-bank international transfer, the essential information includes the bank details for the receiving account.

Traditional banks and companies like Western Union generally require:

• Recipient’s full name.
• Recipient’s account number.
• SWIFT code.
• Receiving country.
• Amount and currency
  
  

How can you send remittances using Comun? 

Sending a remittance with Comun is very simple. You have two options at the palm of your hand, you can send it through the app or via WhatsApp. Here’s a detailed step by step on how to do it:

Through the Comun App

1. Open your Comun app.
2. Select “Transfer.”
3. Select “International.”
4. Under “How do you want to send your money?”, choose “Through the app.”
5. You’ll see the current exchange rate.
6. Select an existing recipient or add a new one.

*To add a recipient, you’ll need: full name as on their ID, phone number, and—if sending a bank transfer—their bank details.

7. Confirm the recipient’s information.
8. Choose the transfer method (bank deposit or cash pickup; options vary by country).
9. Enter the sender’s ID type and ID number.
10. Confirm transfer details.
11. Enter the amount (the calculator shows the amount the recipient will receive in local currency and the transfer fee).
12. Confirm the transaction.
    And that’s it—your remittance is sent!

Through Comun’s WhatsApp

1. Start from our website (by selecting “Send Money”), which will show the WhatsApp option — or.
2. From the app, select “Transfer.”
3. Select “International.”
4. Choose “Via WhatsApp.”
5. Follow the conversation flow.
6. Choose “Send money.”
7. Confirm the country.
8. Enter the amount.
9. You’ll receive a confirmation message showing the amount to be received in local currency.
10. Choose the delivery method.
11. Provide the recipient’s details: full name, ID type, ID number, and bank account (if applicable).
12. Confirm your remittance.
13. Verify your identity through the verification steps.
    And you’re done—your remittance is sent!

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Best Practices for Sending Remittances

To make sure your get the best out of your hard-earned money, it is recommended to keep some good practices in mind:

1. Verify the exchange-rate margin

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Ideally, choose a provider that uses an exchange rate as close as possible to the real market rate as this impacts the actual amount your recipient will receive. Understanding transaction costs can help make better financial decisions for your needs. 

2. Look for transparent, fixed fees
Comparing fees can be confusing because many services use variable pricing based on multiple factors. Ideally it is recommended to choose a provider that offers fixed fees and transparent pricing.

3. Consider timing and holidays in both countries

Keep in mind that transfers may be delayed during weekends or holidays in either country, so processing times may be slower than on regular business days.

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

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

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

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

What is the eligibility criterion?

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

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

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

These are the eligibility criteria for both types of residence.

Eligibility criterion for permanent residence

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

Family

It is divided into two subcategories:

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

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

Employment

There are five employment-based residence categories:

• EB-1 visa: workers with extraordinary ability.

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

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

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

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

Refugees and asylees

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

Special immigrants

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

Special categories

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

Eligibility criterion for conditional permanent residents

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

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

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

What are the requirements to renew permanent residence?

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

File online

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

Paper filing

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

In-person filing

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

Documents needed to renew a Green Card

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

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

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

How much does it cost to renew residence?

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

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

• $415 USD if you file online.

• $465 USD if you file on paper.

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

What are the consequences of not renewing residence on time?

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

Difficulties renewing your driver’s license

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

Losing access to certain benefits and services

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

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

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

Difficulties reentering the United States

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

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

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

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

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

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

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

Simplify your financial management with Común

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

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

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

Común is a financial platform that addresses day-to-day needs in the United States through an easy-to-use mobile app, where you can open an account with qualifying official identification from your country of origin.

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

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

Frequently Asked Questions

If you still have questions, consult our FAQs.

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

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

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

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

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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