Difference Between a Savings Account and a Checking Account

Need a safe, simple way to manage your money? It’s important to understand the different bank account types offered by U.S. financial institutions and digital platforms.

Two primary examples are savings accounts and checking accounts. While common in the U.S., they differ in important ways especially relevant when you’re new to managing money in a new country.

It’s easy to assume both accounts do the same thing. Below, we detail what each account is, the main differences, comparisons, and examples.

What is a checking account?

A checking account is one of the most popular financial products. It’s designed for frequent transactions: receiving pay, sending transfers, and paying at physical and online merchants.

These are the main benefits of opening a checking account:

• Allows frequent deposits and withdrawals.

• Includes a debit card for purchases.

• Makes bill payments and transfers easy.

• Ideal for day-to-day income and expense management.

• Access to mobile/online banking.

• Some still offer paper checks for secure payments.

What is a checking account used for?

A checking account has multiple functions, for example:

• Receive your paycheck via direct deposit—securely and quickly.

• Pay utilities like electricity, water, or internet.

• Make purchases online or in stores.

• Withdraw cash at ATMs or participating retailers.

• Send money transfers to others easily.

• Track your money in real time.

In short, this account type covers everyday needs with simple, accessible tools.

Here’s where you can learn about different checking account types and their features.

What is a savings account?

Unlike checking, a savings account is for setting money aside longer term and growing it through interest.

Advantages of a savings account:

• Fewer routine transactions; focused on building funds.

• Can earn interest on your balance.

• Useful for mid- to long-term goals.

• Generally limits monthly withdrawals.

• Ideal for an emergency fund or setting aside money for unexpected expenses.

Want to understand how bank accounts work in the U.S.? Don’t miss our explainer with all the details.

Key differences between checking and savings

Though different, both accounts complement each other to cover short-, mid-, and long-term financial needs.

These are the main differences between them.

Access and usage

• Checking: money is available anytime for daily transactions—transfers, cash withdrawals, and bill payments via cards and digital channels.

• Savings: access is more limited because the goal is saving and growth; transfers are still possible.

Interest earnings

• Checking: most don’t pay interest; those that do tend to offer very low rates.

• Savings: the core feature is interest over time—protecting and growing funds without high-risk investing.

Learn about joint bank accounts, an excellent way to manage finances as a team.

Primary purpose

• Checking: mainly for short-term holding to cover daily expenses, receive wages, and make purchases with a debit card.

• Savings: to keep money safe and earn interest so it doesn’t lose value to inflation; a reserve for emergencies or long-term plans like trips, celebrations, or moves.

Costs and requirements

• Checking: many have monthly maintenance fees, often waived with a minimum balance or regular direct deposits.

• Savings: typically fewer fees than checking, but may require a minimum balance to avoid charges; some require keeping funds for a set period before withdrawal.

As you can see, the decision to open a checking or savings account depends on your needs. However, combining both is a strategic decision for financial management. On the one hand, a checking account allows you to keep up with daily payments, while a savings account is designed to plan for the future and keep your money separate.

Manage your money in the U.S. with Común

In this article, you learned the difference between checking (for daily transactions) and savings (for growing money over time to meet future goals).

Immigrants arriving in the U.S. need bank accounts that offer security and trust, yet often face hurdles due to strict requirements that disadvantage many in the community.

Meet Común, the checking account that understands immigrants’ needs!

Here are some benefits that await you:

• Checking account with clear, competitive fees.

• International money transfers with affordable costs.

• Mobile app also available in Spanish and  accepts 100+ qualifying official IDs for account opening.

• Debit card for everyday purchases and payments.

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

Frequently Asked Questions (FAQ)

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

Which is better, checking or savings?

It depends on your needs. If you're looking for an account for everyday transactions, such as transfers and deposits, receiving paychecks, and making utility payments, a checking account may be an option. If you want to save your money for the long term, consider a savings account.

Can I have both checking and savings?

Yes, you can separate your goals and organize your money. Use a checking account that supports domestic and international transfers with clear, affordable fees, and keep a savings account to plan long-term.

Which account suits newly arrived immigrants best?

Común is a financial platform with accessible onboarding requirements and fair, competitive pricing.

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Did you know it is possible to send money without having a bank account? The lack of access to financial services is a problem that negatively affects the quality of life of thousands of immigrant workers in the United States.

For example, according to a recent survey, the rate of the Latino community in the United States without a bank account dropped from 15% to 10% over the last two years. However, it remains high compared to the national average of 4.5%.

While having a bank account facilitates financial transactions such as transfers, in-store payments, and online purchases, there are now alternatives that allow you to access banking services without needing an account.

Below, you will discover how to transfer money from one card to another without an app or bank account, as well as the safest and simplest methods available to you.

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Sending Money Online

Not having a U.S. bank account is not an obstacle to sending money domestically or internationally, as there are methods widely used among immigrant workers who regularly send remittances and conduct other transactions using prepaid cards and cash payments.

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International Money Transfer Providers

This is one of the most popular ways to send money without a bank account due to the accessibility, variety of payment methods, and broad coverage typically offered.

International money transfer providers are companies that specialize in facilitating money transfers from one country to another. The key features of these services include:

• Specialization in international money transfers, unlike traditional banks, which have certain limitations, such as high commissions, unfavorable exchange rates, extensive delivery time, and participation of intermediaries that increase costs.
• More affordable fees.
• Various sending methods.
• Multiple Money Transfers Locations

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How to Send Money Without a Bank Account Through an International Transfer Platform

Comun allows you to send money to your loved ones for a modest transfer fee starting at USD 2.99 up to the applicable limits. It is very simple; just follow these steps:

1. Open your account with Comun; it will only take a few minutes!

2. Choose the most convenient delivery method for your recipient, such as cash pick up at a physical store like Oxxo, Grupo Elektra, 7 Eleven, and more.

3. You may also send money directly to a bank and have it picked up at one of its branches.

4. Track the delivery directly in your Comun mobile application.

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Comun is an excellent option for our community, as it provides Spanish-language service, which is highly appreciated by the immigrant community. Open your account today and start sending money without complications.

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What Information Do You Need to Send Money Without a Bank Account?

To send money without a bank account, you only need the following information about your recipient:

• Full name of the recipient, exactly as it appears on their official ID.
• Recipient’s phone number.
• If the transfer is made to a bank account, you will also need:
  
  • Recipient’s address.
  • Bank account number, depending on the receiving country.

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P2P Services

P2P (peer-to-peer or person-to-person) services allow immediate money transfers between individuals without intermediaries. These options are useful for everyday needs such as paying rent, shared services, splitting transportation costs, and sending money to your relatives in the US or internationally.

How to Send Money Without a Card Using P2P Services

1. Choose a reliable provider, such as Cash App or Venmo.
2. Enter the recipient’s phone number in the mobile app.
3. Confirm the transaction and track it.

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Sending Money by Mail

Other alternatives involve sending a cashier’s check, a certified check, or a money order through the postal service.

Cashier’s Check

This type of check is issued with the bank’s funds. The customer must pay in cash or directly from their account, and the check is made payable to the recipient.

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Certified Check

This check is issued using the customer’s funds. The issuer must have a bank account so that the bank can verify the availability of funds. The recipient may cash the check directly at a bank branch.

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Money Order

Another way to send money without a bank account is by using a money order, which is a type of prepaid payment order. To do so, you will need to:

1. Go to a post office or authorized retailer, such as USPS or Walmart, to purchase a money order.

2. Write the beneficiary’s name in the “pay to the order of” section.

3. Write your name in the “purchaser” section.

4. Sign in the space designated for the purchaser, generally on the front of the document.

5. Keep the receipt with the serial number.

6. Pay the amount to be sent plus applicable service fee.

7. Send the money order via regular or certified mail.

8. Write the recipient’s address in the center of the envelope and the sender’s address in the upper left corner.

9. Purchase a postage stamp at the post office and attach it to the envelope.

10. Drop off the envelope at the post office.

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The recipient may cash the money order at an authorized branch upon presenting valid personal identification.

The downside of this alternative is that it takes longer to arrive, as it relies on a traditional mailing method.

Sending Money With Prepaid Load

There are other options available to send money without a bank account, such as prepaid cards and mobile applications.

Reloadable Prepaid Cards

Reloadable prepaid cards function similarly to debit cards, with the main difference being that they are not linked to a bank account. They also allow you to pay for services and make online purchases.

To send money using a prepaid card, you only need to:

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1. Identify an international money transfer service that supports prepaid cards, such as Western Union or MoneyGram.

2. Select your preferred provider and choose the prepaid card option on their website.

3. Enter the recipient’s information, making sure it is compatible with the selected platform.

4. Confirm the transfer and pay the amount plus the applicable service fee.

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Done! The recipient will receive the money on the prepaid card as if it were a bank transfer.

Mobile Wallets/Applications

Lastly, you may opt for mobile wallets or applications that offer money transfer capabilities. Some examples include Cash App, Venmo, and Remitly, which provide access to an mobile app you can use to send and receive money.

These applications do not require a bank account and are user-friendly. Some also offer physical cards that function similarly to debit cards.

7 Essential Tips for Sending Money Without a Bank Account

1. Verify the Identity and Information of the Recipient

Ensure that the recipient’s information, such as name, account number, or phone number, is entered correctly. Any discrepancies could prevent the recipient from collecting the funds.

2. Compare Fees and Exchange Rates

Each provider has its own rates depending on the receiving country, amount, and exchange rate. Remember, with Comun you do not pay excessive fees, and you ensure your family receives more for less.

3. Know the Sending Limits

Some platforms have sending limits that should be considered before selecting a service. For instance, Western Union has a daily limit of USD 7,499, while Cash App allows up to USD 7,500 per week for verified accounts.

4. Keep All Receipts and Reference Numbers

Even though these methods are secure, it is important to keep receipts and reference numbers in case a clarification or issue arises.

5. Use Reputable and Secure Services

It is essential to ensure that you use a trusted service. Check online reviews and verify that the provider has an official website and/or physical offices.

6. Be Cautious of Scams

Unfortunately, scams are common around financial services. No legitimate institution will request passwords or verification data. Always access official websites. If in doubt, visit an authorized branch.

7. Consider Delivery Time

Most options allow you to complete transfers in minutes, but some may take several days. Consider this before choosing your preferred service.

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Frequently Asked Questions

Is it safe to send money without a bank account?

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Absolutely. Comun is backed by leading financial institutions to protect your funds up to the applicable limits. Additionally, you can track your transfer directly through the Comun mobile app.

How much does it cost to send money without a bank account?

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Comun offers a transfer fee starting at USD 2.99, regardless of the amount you send up to the applicable limits. Your first transfer is commission-free!

How long does it take for the money to arrive?

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Cash is typically available within approximately 1 hour at the selected store or bank branch.

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What documents do I need to send/receive money without an account?

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You need the full name of your recipient, and they must present official identification.

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Everything you need to know to renew your Mexican passport

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

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

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

Why keeping your Mexican passport valid matters

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

Why is it important to renew your passport?

• Avoid travel delays 

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

• Handle consular procedures 

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

• Serves as official ID 

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

• Avoid legal issues 

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

Who can renew their Mexican passport in the United States?

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

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

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

Adults (18 and over) 

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

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

Minors 

For minors, renewal involves a few additional steps. 

Additional documentation:

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

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

People with disabilities 

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

Additional documentation: 

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

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

5 requirements and documents needed to renew your Mexican passport

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

1. Previous passport 

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

2. Certified birth certificate 

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

3. CURP 

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

4. Required payment 

Note the latest update to Mexican passport government fees. 

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

Passport validity

Consular fee in U.S. dollars

3 years

$99.00

6 years

$133.00

10 years

$203.00

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

5. Original identification 

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

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

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

Step 1. Book the appointment 

Booking an appointment is essential to renew your passport. 

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

Step 2. Prepare your documents 

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

Step 3. Attend the appointment

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

Additional tips to renew your Mexican passport without setbacks

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

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

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

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

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

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

Común: the next step after renewing your passport

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

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

Why choose Común as your financial ally?

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

• Mobile app available in Spanish, intuitive and secure.

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

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

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

Frequently Asked Questions (FAQ)

If you still have questions, see this section.

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

Yes, credit card is an accepted payment method.

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

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

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

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

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

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

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Digital Banks in the United States: A Clear Guide to Opening Your Account

Having access to affordable financial services with features that let you carry out multiple operations in one place is essential for immigrants living and working in the United States.

Digital banks are a comprehensive solution that combines financial management with mobile technology to streamline processes compared with traditional banks.

These features are especially beneficial for immigrants looking for an alternative to access services that are often less feasible through institutions with physical branches.

In this guide, we explain why you should consider integrating digital banking into your lifestyle, how to open an account, and options for digital banks in the United States.

What Is a Digital Account and How Does It Work?

A digital account is a financial product that operates entirely online through mobile applications and digital platforms (website), removing the need to travel to a physical location to complete banking operations.

Here are some benefits of digital accounts.

• Mobility and 24/7 access from anywhere: they are not limited to teller hours and allow transactions at any time and place.

• Convenience for making payments and international money transfers: they allow sending money within and outside the country quickly.

• Security and transaction control from the app: they include safeguards to prevent misuse of personal data and crimes such as fraud.

How to Open a Digital Account in the United States Step by Step

Opening a digital account is usually simpler than with traditional financial institutions—not only because it can be done from a mobile device, but also due to flexible requirements that allow immigrant communities to access financial services with the same quality standards.

These are the steps to open a digital account in the United States.

Required Documents

Unlike traditional banking services, you can open a digital account with documents you use day to day.

• Official identification from your home country (valid passport, consular ID, driver’s license).

• In some cases, proof of address in the United States.

Account Opening Process

Once you have your documents ready, follow these steps.

Step 1. Register on the digital platform/mobile app.

Go to the digital bank’s website or mobile application of your choice and enter your personal information to register.

Step 2. Identity Verification and Approval.

For security reasons, digital banks require an identity verification process that includes submitting an official ID, a selfie, and, in some cases, facial recognition.

Step 3. Account Activation and Access to the Mobile App.

Once the digital bank verifies your identity, you’ll receive an activation notice. Immediately afterward, you can access all services, set up direct deposits, send money in real time, and manage your finances.

U.S. Financial Platforms Recommended for Immigrants

If you’re wondering which digital platform for immigrants is ideal, there are several effective options, so it’s best to compare them and choose the one that best fits your expectations.

Común

Fees: Affordable fees for international money transfers to Latin America.

Ease of use: Open an account from a mobile device with a qualifying official identification from your home country.

Spanish support available: offers 24/7 customer service also available in Spanish via WhatsApp or the mobile app itself.

Mobile access: you have access to a mobile app for comprehensive financial management.

Zelle compatibility: not integrated.

Ally Bank

Fees: most accounts do not charge monthly maintenance fees. Approximately $20 for domestic wire transfers.

Ease of use: a 100% digital platform offering a mobile application and a website.

Spanish support: limited Spanish-language service.

Mobile access: service compatible with mobile devices.

Zelle compatibility: integrated.

Wells Fargo

Fees: maintenance and overdraft fees vary by account type.

Ease of use: offers mobile banking, online banking, and a digital assistant.

Spanish support: available.

Mobile access: full mobile features.

Zelle compatibility: integrated.

Revolut

Fees: charges a 1–3% fee for adding money via credit or debit card.

Ease of use: offers comprehensive, easy-to-use digital products.

Spanish support: you can change the app language, but there is no Spanish-language support.

Mobile access: fully available.

Zelle compatibility: not integrated.

Mercury

Fees: offers international USD transfers at no additional cost.

Ease of use: focused on corporate and tech companies.

Spanish support: not available.

Mobile access: fully available, but more focused on web dashboards.

Zelle compatibility: not integrated.

Cash App is another efficient financial platform—here we explain its benefits.

The Importance of Using Your Account Safely and Efficiently

Although digital platforms offer security measures to protect your assets, it’s always wise to keep the following recommendations in mind to reduce risks.

• Set up transaction notifications and security alerts: they help you stay on top of your activity and detect any suspicious behavior.

• Use strong passwords and enable two-step verification: this reduces the risk of falling victim to hackers.

• Review activity regularly and learn to identify suspicious alerts: check text messages and transaction notifications, and report any unrecognized charges immediately.

• Take advantage of the mobile app’s functionality for quick and reliable transfers: send and receive money easily within and outside the United States.

Discover Común, the Financial Option for Immigrants

In this article, we presented a practical alternative to traditional institutions so you can decide which digital bank in the United States fits your needs.

Común is not a bank, but a digital platform, it offers a mobile app and a debit card that work together to provide a service ideally for the immigrant community.

You can open an account with qualifying official identification from your home country and a mobile device to access the financial service you deserve.

Open your account with Común and start sending, receiving, and withdrawing money.

Frequently Asked Questions (FAQ)

If you still have questions, see the section below.

Can I open a digital account without a Social Security Number?

Unlike traditional banks, digital accounts often have more flexible requirements, and it may be possible to open one with a qualifying official identification from your home country and, in some cases, proof of address in the United States.

Are digital banks in the U.S. safe?

Yes, digital banks in the United States have security measures such as two-step verification and encryption. It’s advisable to apply all possible security measures, such as using a strong password and enabling notifications.

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

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Entendiendo las Transferencias de Dinero Internacionales

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

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

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Eligiendo el Servicio Correcto: Factores a Considerar

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

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

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Guía Paso a Paso para Enviar Dinero al Extranjero

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

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

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

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Manda dinero a tu país
de manera segura⁴

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

Abre tu cuenta

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Estrategias Efectivas en Costos para Transferencias Internacionales

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

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

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

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

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Consideraciones Culturales y Prácticas al Enviar Dinero al Extranjero

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

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Comun: banca segura con envíos al extranjero

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

Sin comisiones por balances mínimos

Recibe tu sueldo hasta 2 días antes³

Manda dinero a tu país de manera segura

¡y mucho más!

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Conclusión

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

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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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What is the best health insurance in the United States?

Having health coverage is essential to ensure you receive care when you need it. It’s also a way to invest in your future by preventing large out-of-pocket expenses from costly procedures.

There are many health insurance options in the U.S., so there isn’t a single “best” plan—what’s best depends on your needs and budget.

Although access to healthcare is a basic need, enrolling in a plan can be confusing for immigrant communities.

Below you’ll find a comparison of the main health insurance options in the U.S., key evaluation criteria, and answers to frequent questions—so you can choose the best option to protect you and your family.

Factors to consider when choosing health insurance

Before choosing a plan, carefully assess your personal and family needs, as well as benefits, medical terms, and the features of each option.

Key points to keep in mind before signing anything.

• Coverage level. 

Some plans cover only basic services, while others offer comprehensive coverage including hospitalization, specialist visits, and prescription drugs. Review your medical needs (and your family’s) to gauge the right level.

• Monthly premium cost. Coverage level affects the monthly price. Make sure the amount is sustainable for your long-term budget.

• Deductibles and copays. 

You must understand both before enrolling. The deductible is what you pay out of pocket before your plan starts paying; the copay is the fixed amount you pay each time you use a covered service.

• Provider network. 

Check that the plan includes a robust network of hospitals and clinics near your home or work, so you can access care when needed.

• Eligibility requirements. 

As an immigrant in the U.S., note that some plans require certain immigration status, state residency, and/or income qualifications.

• Additional benefits. 

Also review extras such as preventive care, mental health, wellness programs, and maternity coverage.

Remember: a low price doesn’t automatically mean the best option—it must fit your (and your family’s) specific needs.

Health insurance options in the United States

The U.S. health insurance market includes a range of public and private plans.

Here are key options you should know.

• Health insurance via the Marketplace (ACA). 

Plans under the Affordable Care Act (ACA) are offered through federal/state marketplaces. They must include essential health benefits and prescription coverage. Income-based subsidies may lower costs.

• Medicaid. 

A public program for people with low incomes; covers children, pregnant people, people with disabilities, and families. Usually no premium; some services may have small copays.

• Medicare. 

A program for people 65+ (and some with disabilities). It’s divided as follows: 

1. Part A: hospital inpatient. 
2. Part B: medical services. Part C: Medicare Advantage (private insurers) that can bundle extra benefits.

• Private plans and employer-sponsored insurance. 

Private coverage can be purchased directly or provided as an employer benefit. These plans vary in coverage levels and typically include broad provider networks.

Comparison of common health insurance options

Remember: beyond a policy, a health plan is protection for you and your family—take the time to choose well.

Here’s a comparative table of major U.S. health plan types.

Plan type

Who it serves

Approx. costs

Primary coverage

ACA Marketplace

People without employer private insurance.

Costs vary by coverage; income-based subsidies can lower premiums.

Essential benefits: hospitalization, preventive care, prescriptions, emergency care, etc.

Medicaid

People with low incomes.

Generally no premium; small copays for some services.

Broad medical and hospital coverage nationwide.

Medicare

People 65+ and certain disabilities.

• Part A: per-period deductibles. 
• Part B: monthly premium ~$185.

Hospital and medical services coverage

Employer-sponsored private insurance

Workers (and dependents) covered by employers.

Costs include premiums, deductibles, and copays—vary by plan.

Hospital, specialists, prescriptions, emergency services, etc.

Don’t forget: as an immigrant in the U.S., verify eligibility rules related to immigration status.

Manage your finances in the U.S. with Común

In this article, we covered what to consider before enrolling, the different plan types, and how to compare benefits.

There’s no single “best” plan—it depends on your personal and family needs and budget.

Beyond medical costs, immigrants need safe financial services to manage their money.

Común is the financial platform you’ve been looking for—discover the benefits!

• Checking account with clear, competitive fees.

• International money transfers at affordable costs.

• Mobile app available in Spanish that accepts 100+ official IDs for account opening.

• Debit card for everyday purchases and payments.

Open your Común account today and manage U.S. medical bills simply and transparently.

Frequently Asked Questions (FAQ)

If you still have questions, see the section below.

What is the number-one health insurer in the U.S.?

Among the top U.S. health insurers are: 

• Cigna. 
• Aetna. 
• Blue Cross Blue Shield. 
• Ambetter.
•  Anthem.

Is health insurance mandatory in the U.S.?

It isn’t required at the federal level, but some states—like California and New Jersey—mandate coverage or impose penalties.

Where can I officially compare health plans?

Official sources include: HealthCare.gov (federal Marketplace to view/compare/enroll); Finder.Healthcare.gov (to find off-Marketplace plans); Medicare.gov (compare Medicare plans by ZIP code).

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

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

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

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

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

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

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

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

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

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

• Form I-864 (Affidavit of Support):

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

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

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

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

These are the requirements your sponsor must meet to proceed:

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

• Be at least 18 years old.

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

• Meet the minimum income requirements.

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

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

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

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

It’s also important to consider some special cases.

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

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

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

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

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

Sponsor’s legal obligations

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

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

Duration of sponsorship

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

• The immigrant adjusts status and obtains permanent residence.

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

• The immigrant permanently leaves the country.

Cases where sponsorship does not end

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

5 documents and forms you need to be a sponsor

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

Form I-864 or I-134, as applicable

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

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

Proof of citizenship or permanent residence

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

Tax returns or proof of income

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

Employer letter, if needed

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

Proof of U.S. domicile

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

Organize your finances in the U.S. with Común

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

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

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

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

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

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

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

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

Frequently Asked Questions (FAQ)

If you still have questions, consult our FAQs.

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

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

What happens if the immigrant receives public benefits?

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

Despite the fact that digital payment methods have gained significant relevance practically worldwide, checks remain essential for carrying out certain transactions, especially for people without a banking account.

According to recent data, 61% of Americans still use checks. However, 17% have been victims of check fraud.

Knowing how to endorse a check in the United States is a necessary security measure to prevent fraud. While it can be a confusing procedure, it is crucial to understand it in order to avoid issues.

In this article, we will explain step-by-step how to correctly endorse checks, as well as the information you need to write on the back in order to cash the stated amount.

What Is a Check Endorsement and Why Is It So Important in the U.S.?

A check endorsement is a signature on the back of the check that serves as authorization for it to be cashed at a financial institution.

Its main function is to validate the cashing of the check, as well as authorize the transfer of funds, or to transfer the right to another person.

Knowing how to endorse a check is essential because it is a primary security requirement in the U.S. financial system, serving as a protection measure for the holder and the deposited funds.

What Is the Correct Way to Endorse a Check, and Where Should You Sign?

Below, we show you how to complete the endorsement before cashing checks at the bank.

Step 1: Verify the Check Details

Make sure the details on the front of the check are correct, such as the payee’s name, the amount in numbers and words, and the banking institution.

Step 2: Locate the Endorsement Area

Turn the check over and locate the statement “Endorse Here” or “Do not write below this line.” Avoid writing below the marked area.

Step 3: Sign the Check Precisely

Sign the check in the designated box, according to the type of endorsement you require. Next, we will explain everything about the different types.

But what should you do if the payee’s name is incorrect?

Example of How to Endorse a Check if the Name Is Misspelled

If the payee’s name is incorrect, you should first sign as it appears and then sign again with the corrected name.

James Smit — James Smith

Step 4: Consider a Restrictive Endorsement (Highly Recommended!)

A restrictive endorsement is a security measure to prevent an unauthorized third party from cashing the check, as it limits the form of payment to a registered banking account. It is linked to the information provided on the back of the check.

Step 5: Multiple-Payee Endorsements

If the check is made out to more than one payee, one or all may need to sign the endorsement, depending on how it is written.

• Katy Adams and Mark Palmer: Signatures from both are required

• Katy Adams or Mark Palmer: One signature is sufficient

• Katy Adams and/or Mark Palmer: Depending on the intermediary bank, one or two signatures may be required

• Katy Adams, Mark Palmer, etc.: The bank determines whether one or all signatures are necessary

Types of Endorsements: Know the Options for Your Checks

Before endorsing your check, verify which type is most suitable depending on the transaction you need to perform. For example, a restrictive endorsement is a way to secure your money, just like using modern financial alternatives such as Común, a comprehensive service that gives you access to unified and efficient financial tools.

Blank Endorsement

A blank endorsement is carried out when the same payee cashes the check in cash. In this case, only the signature in the designated area is needed.

Restrictive Endorsement

A restrictive endorsement is a security measure to ensure that the funds are deposited into a specific banking account.

To do this, you must include the statement “for deposit only to” + bank name, account number, and signature.

This is the most recommended method for Común users who make deposits via mobile, as it provides protection for the check in case of loss and ensures that the money is deposited into the designated account.

Third-Party Endorsement

If the check will be cashed by a third party, it must be endorsed as follows.

Pay to the order of: (name of another person) + signature

It is important to exercise extreme caution with this type of endorsement. Use it only with trusted individuals, and in case of theft or loss of a check, report it to the financial institution immediately.

Business Endorsement

A business endorsement is made when a check is cashed in the name of a company. This requires including the full name of the company, followed by the signature of the authorized legal representative.

Mobile Deposit Endorsement

To deposit check funds through a mobile application or mobile banking, it must be endorsed as follows:

For mobile deposit only + your signature.

Deposit your endorsed check easily and securely using Común

Cashing checks is a process that requires special care and attention in order to avoid mistakes and setbacks that could affect the transaction.

This time, we learned the importance of correctly endorsing a check in the United States, as well as the different types that exist, according to the available cashing methods.

Now that you know how to fill out a check on the back, you can rely on Común to deposit the funds through the mobile app.

Skip the lines: Deposit your check from the app; availability of funds may vary.

Común offers you the necessary security to protect your money and personal data

It is an accessible platform for immigrants in the United States; request to open your account with documentation from your country

Get customer support in English and Spanish, available 24/7

Access a comprehensive mobile app to manage your personal finances in the simplest way

Común will not only make the check deposit process easier, but it will also transform your financial life in the United States. Open your account today and find out.

Frequently Asked Questions

Is it mandatory to endorse a check in the United States?

In most cases, yes, it is necessary. If you request a deposit through an ATM or application, the bank may not require an endorsement.

What happens if I sign the check incorrectly when endorsing it?

Avoid cross-outs or scratches and endorse the check again. If the bank rejects it, ask the issuer to issue a new one.

Can I endorse a check to another person?

You can endorse a check so that it can be cashed by another person with the statement “pay to order of” along with the payee’s name. However, this process is restricted according to each bank’s specific policies.

Is it safe to deposit a check with the mobile app?

It is safe to deposit a check through the Común mobile app, as your data is encrypted and it includes other security measures such as two-step verification.

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

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

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

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

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

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

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

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

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

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

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

• Length

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

• Focus on Quantifiable Achievements

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

• No Photo, Age, or Marital Status

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

• Use of Keywords to Pass ATS Filters

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

• Format

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

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

7 Steps to Create a Resume in the United States

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

Step 1. Choose the Right Format

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

Step 2. Fill in Your Contact Information

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

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

Step 3. Write Your Professional Summary

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

Step 4. Clearly Present Your Work Experience

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

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

• Highlight measurable achievements in each position.

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

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

For example: 

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

Step 5. Your Education

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

Step 6. Highlight Your Skills

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

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

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

Step 7. Optional Sections

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

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

Example of a U.S. Resume

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

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

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

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

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

Here are some things to avoid when writing your resume.

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

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

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

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

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

Común, Your Ally for Financial Stability in the United States

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

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

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

Discover All the Benefits of Común!

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

• Mobile app available in Spanish and English.

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

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

Frequently Asked Questions (FAQ)

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

Is It Necessary to Include References in the Resume?

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

What Are the 3 Most Important Details in a Resume?

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

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

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

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

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

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

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

5 Reliable Platforms to Learn English from Scratch

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

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

British Council

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

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

Coursera

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

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

BBC Learning English

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

USA Learns

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

Alison

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

Platform

Type of Course

Level

Main Benefit

British Council 

Courses segmented by skills, general English.

From beginner to advanced.

Structured learning units with rich study materials.

Coursera

Academic and professional English.

From intermediate to advanced.

Courses focused on improving professional communication skills.

BBC Learning English

Everyday English.

From beginner to advanced.

Short lessons based on current topics.

USA Learns

Practical English.

Beginner.

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

Alison

Business English and official certification preparation.

From beginner to advanced.

Offers the option to earn official digital certificates.

Mobile Applications to Learn English for Free

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

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

Duolingo

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

Mondly

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

Busuu

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

Memrise

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

HelloTalk

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

How to Choose the Right English Course for You

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

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

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

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

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

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

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

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

Practical Tips to Improve Your English Every Day

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

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

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

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

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

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

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

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

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

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

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

Frequently Asked Questions (FAQ)

What is the best free online English course for beginners?

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

How long does it take to learn basic English?

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

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

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

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What is the CVV on a card?

Nowadays, making purchases with a credit or debit card in physical stores and online is an essential activity for acquiring everyday goods.

Security in these operations is essential. For this, these payment methods use the CVV or CVC code, which means Card Verification Value or Card Verification Code respectively, and its purpose is to verify that the cardholder has the physical card and to protect online and phone purchases.

Below, we will explain in detail what the CVV is, where to find it, the types of security codes, and tips to keep your cards secure.

Where to find the CVV on your card?

If you are going to make purchases online or by phone, you will need to provide the security code of your debit or credit card to verify it belongs to you.

In most cases, the CVV is located on the back of the card and consists of 3 or 4 numbers.

Here is a quick guide to locating the verification code depending on the card type.

Card type

Where to find the CVV?

How many digits does it have?

Visa

Usually on the back, next to the magnetic stripe.

3

Mastercard

Usually on the back, next to the signature.

3

Discover

Usually on the back, to the right of the signature.

3

American Express

Usually on the front, next to the card number.

4

One way to strengthen security during electronic transactions is the use of a dynamic CVV, which is found in digital applications or cards and is valid only for a limited time to make a single purchase. This reduces the risk of misuse of your personal data if it is exposed.

What is the CVV for and why is it important?

The CVV number is a security lock that allows you to use your physical and digital cards with confidence that a third party cannot access your money.

These are the most important functions of this security code.

• Holder verification:

It is especially useful for protecting electronic operations by verifying that the cardholder is the one making the purchase.

• Security in online purchases

When making an online purchase, you must enter the card’s CVV to validate the transaction. This process is more secure when using a dynamic CVV because it reduces the risk in case of fraud.

• Fraud prevention

Unlike other data usually included on physical cards, such as the number and expiration date, the CVV is not stored in online store systems, so your data remains safe in case of potential identity theft.

The purpose of the CVV is to provide you with security and peace of mind when making online purchases.

CVV, CVC, and CVV2: how are they different?

You may notice different types of CVV since the name can vary depending on the card issuer.

These are the security codes most commonly used by financial institutions to protect users’ cards.

CVV

The CVV (Card Verification Value) is the security code created for Visa cards. It consists of 3 or 4 digits and is used to confirm that the person making the purchase actually has the card.

CVC

The CVC (Card Verification Code) is the version of the CVV used by Mastercard cards. It has the same function and a similar composition.

CVV2

The CVV2 (Card Verification Value 2) is a digital version of the CVV used to provide greater protection in online purchases. While the traditional CVV is used during payments at card terminals, the CVV2 is requested to confirm remote transactions.

4 tips to use your card safely

Some people avoid or minimize the use of physical or digital cards due to fear of having their personal data stolen and generating unauthorized charges. However, financial institutions and digital platforms currently offer the necessary security measures to protect your assets.

Thanks to the implementation of codes such as the CVV, the risk of experiencing a security incident is minimal and decreases even more when you have the right information to apply practical strategies like the following.

• Do not share your CVV or write it in visible places: avoid having this code leaked to third parties. Remember that it is the number used to verify online purchases and that no financial institution requests sensitive data over the phone, so make sure to use the CVV responsibly.

• Use only secure payment sites (https://): if you need to make an online purchase, make sure the site has the required security measures to process electronic payments.

• Activate notifications or dynamic CVV if your bank offers it: enable notifications in your banking application and try using the dynamic CVV when shopping online. This allows you to generate a new CVV for each purchase.

• Review your transactions regularly: check your statement and transaction history frequently. If you detect any irregular activity, report it to your bank immediately.

Bank cards are useful tools that require responsible and cautious use. Learning to use your card safely and confidently is also part of building financial stability.

Manage your money and make payments securely with Comun

This time we explained what the CVV or CVC is, why it is important, and gave you some tips to keep your checking accounts secure.

The security provided by the CVV is the same you need in all your financial operations, such as digital payments, cash deposits, and international money transfers. For this, you have Comun, the digital platform specially designed for immigrants living in the United States who want to manage their money safely and without complications, with clear and competitive fees.

Comun is the financial platform that truly understands your needs and offers fair, tailored solutions.

Open your Comun account and start managing your money in the United States with confidence. Send, receive, and monitor your expenses from the mobile app.

Frequently Asked Questions (FAQ)

If you still have questions, check the following section.

What happens if I give my CVV to someone else?

It is not advisable to give your CVV to someone else, as they could make purchases not authorized by you. Make sure to protect your banking information so only you have access to it.

Is the CVV the same as the card number?

No, the card number consists of 16 digits and identifies the checking account. The CVV consists of 3 or 4 digits and verifies that the holder is the card owner.

Can I make purchases without a CVV?

In physical stores, it is not strictly necessary, as the purchase is validated with the chip and PIN. For online purchases, it is essential to enter the CVV to authorize the transaction.

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