Community
Accessible, fee-free digital banking platform for the immigrant community, with bilingual support and international deposit and transfer facilities.
8 min read

Olivia Rhye
04 Jun 2025

Opening a checking account with Comun is simple and hassle-free, addressing the barriers to financial exclusion typically faced by the immigrant community. Accepting over 100 forms of identification², including social security numbers from Latin American countries, Comun ensures that immigrants have access to essential banking services. The application process is quick, taking less than 5 minutes, and is free of additional or hidden fees, minimum balance requirements or monthly commissions. This inclusiveness is central to Comun's mission of fostering financial stability and growth.
ComunComun offers a convenient mobile deposit feature that allows users to deposit cash at more than 88,000 locations in the United States, including major retailers such as Walgreens, Dollar General and Walmart. This extensive network ensures that users can easily find a deposit location near them, making the process of adding money to their accounts simple and hassle-free.
Traditional Banking: Although many traditional banks offer mobile deposit options, they often restrict these to check deposits through a mobile app. Cash deposits typically require a visit to an ATM or bank branch, which can be less convenient and more time-consuming than Comun's extensive cash deposit network.
Utility in Today's World: In today's fast-paced environment, the flexibility to deposit cash in a wide range of accessible locations is invaluable, especially for individuals who may not have easy access to traditional banking services or who work non-traditional hours when banks are closed.
ComunComun excels in facilitating international remittances⁴, allowing users to send money abroad quickly and with lower fees compared to many traditional banks and remittance services. The process is enhanced with real-time notifications, keeping the sender informed from the moment the money is sent until it is received.
Traditional Banking: Traditional banks generally offer international transfer services, but these can be expensive and slow, with transfers sometimes taking several days to complete. In addition, the fees associated with traditional bank remittances can be significantly higher.
Usefulness in Today's World: In a globalized economy, the ability to send money across borders quickly and affordably is crucial. Many families rely on remittances for financial support, and businesses need efficient ways to handle international transactions. Comun's streamlined and cost-effective service effectively meets these modern demands.
Comun: Comun offers the ability to connect wages to the application and receive payment up to two days in advance³. This feature incurs no additional fees, providing significant relief during financial emergencies or when planning ahead.
Traditional Banking: Some traditional banks have begun to offer similar features, but they are often tied to specific types of accounts or require a minimum balance. The accessibility and ease of use of early access to Comun's salary is not always matched in traditional environments.
Usefulness in Today's World: With the rise of gig economy jobs and irregular pay schedules, having early access to wages can provide a buffer against financial instability. This feature is particularly valuable for those living paycheck to paycheck, offering a cushion that can help avoid overdraft fees and late payments.
Unlike traditional banking institutions, Comun's innovative features are designed to meet the needs of today's diverse and mobile population, particularly benefiting the immigrant community in the U.S. By providing services that offer greater convenience, lower costs and greater accessibility, Comun not only addresses common challenges faced by its users, but also empowers them toward greater financial freedom and stability. As we move toward a more interconnected and fast-paced world, the importance of responsive and inclusive financial services continues to grow, something Comun is uniquely positioned to offer.

Security and customer support are paramount at Comun. With FDIC-insured accounts and Visa protection on virtual Visa debit card transactions, Comun customers can manage their funds with confidence. Innovative security features such as biometric logins and instant transaction notifications keep your money safe. In addition, Comun offers 24/7 customer support in English and Spanish, ensuring that help is always available in your preferred language.
Comun stands out not only for offering zero fees for account opening, monthly maintenance or minimum balances, but also for its commitment to helping its users move up the financial ladder. Comun acts as a financial partner, supporting financial transactions without the burden of excessive fees. This commitment aligns with the goal of enabling upward mobility for immigrants, who contribute significantly to the U.S. economy.
Comun goes beyond traditional financial services by offering features designed to meet the unique needs of the immigrant community. Users can send money abroad with low or no fees, deposit cash at more than 88,000 locations nationwide, including free ATM withdrawals, and connect their accounts to popular payment apps such as Zelle, CashApp and Venmo. Comun's platform also allows customers to receive their paychecks up to two days early through direct deposit, further enhancing their financial flexibility and stability.
Comun is not just a financial services provider, but a platform dedicated to transforming the banking experience for immigrants in the U.S. With its user-focused design, commitment to financial freedom and robust features, Comun is destined to become a vital tool for achieving financial stability and growth for its users. Whether you are looking to manage your daily finances or send money to loved ones abroad quickly and securely, Comun offers a reliable, inclusive and efficient banking solution.
Founded by entrepreneurs Mark Selcow and Andres Santos in New York, Comun was built to empower families and enable upward mobility, particularly for the immigrant family. The company has garnered significant investment from prominent firms such as Costanoa Ventures, FJ Labs and South Park Commons, underscoring the tremendous opportunity to serve the financial needs of immigrant families and improve the lives of every individual.
About Común
Común aims to support the Latino community in the United States. It offers a debit account that can be opened with more than 100 valid Latin American IDs and an app available in Spanish.
Visit Común's website or download the app for free to learn more about the full offer and applicable terms.

Olivia Rhye
Community Partner

International Money Transfers
8 min de lectura
As the reasons for transferring money internationally increase, so do the available methods. Whether you are sending remittances to your family, paying suppliers, or receiving payments from abroad, understanding how international transfers work will help you save time and money.
An international money transfer is the movement of funds from a bank account in one country to another account in a different country. It can be done through bank wire transfers, specialized remittance services (Western Union, Remitly, Wise), or platforms like Común that allow you to send money to Mexico directly from the app.
To choose the best service, consider: the total cost (visible fee + exchange rate margin), delivery speed, available delivery methods (bank deposit, cash pickup), and whether they accept your documentation. Use comparison tools like Monito to see real-time options for your specific corridor.
Traditional, expensive method ($25-45 per transfer), takes 1-5 business days, requires the recipient’s full bank details: account number, SWIFT/BIC, IBAN, or CLABE (Mexico).
Wise, Remitly, and Xoom offer fees lower than 3-5%, delivery from minutes to 3 days, and multiple delivery options. Wise uses the real market exchange rate. They require an SSN or ITIN in the U.S.
Común allows you to send remittances to Mexico and Latin America starting at $2.99 without requiring an SSN. Ideal for newly arrived immigrants. Options for bank deposit, cash pickup at Oxxo or Walmart.
Specialized remittance apps (Wise, Remitly, Xoom) are generally cheaper than traditional banks for international transfers. Wise is known for using the real market exchange rate with transparent fees. For specific destinations such as Mexico, platforms like Común offer transfers starting at $2.99. Use comparison tools like Monito to see the best real-time options for your specific corridor.
It depends on the method and destination country. International bank wire transfers take 1-5 business days. Remittance apps can be almost instant for cash pickup, or 1-3 business days for bank deposit. Factors such as time zones, bank cutoff times, and the destination country’s compliance requirements affect arrival time.
For an international bank wire transfer, you need: the beneficiary’s full name, the receiving bank’s name and address, the receiving bank’s SWIFT/BIC code, and the beneficiary’s account number or IBAN. For Mexico, the interbank CLABE (18 digits) is used. For remittance apps like Común, sometimes the recipient’s phone number or bank name is enough.
Yes. Limits vary by service and user verification level. Remittance apps typically allow between $2,999 and $10,000 per day for verified users. Bank wire transfers can be larger but cost more ($25-45 per transaction). Anti-money-laundering regulations require reporting transfers over $10,000 to the IRS (CTR form).
It depends on the service. Wise, Remitly, and traditional banks require an SSN or ITIN for regulatory compliance. Platforms like Común do not require an SSN — they accept a passport or consular ID — and allow you to send remittances to Mexico and Latin America starting at $2.99. This is especially useful for newly arrived immigrants who do not yet have an SSN.
Sending money abroad itself does not generate taxes in the U.S. However, if the money comes from undeclared income, that is the tax obligation to address. The IRS may require reporting foreign accounts (FBAR/FATCA) if you have more than $10,000 in foreign accounts at any point during the year.

International Money Transfers
8 min de lectura
Sending money to Mexico with Común costs as little as $2.99 per transfer, and your first transfer is at no cost. The exchange rate is shown in full before you confirm, with no hidden charges, and most transfers arrive within minutes.
In most cases, the total cost depends on three factors: the transfer fee, the exchange rate, and any charges applied to the recipient of the money. The truth is that the final cost can range from a few dollars to something more significant as it is impacted by the service fee, delivery method, and speed.
Remittances have become so important to the Mexican economy that Mexico remains the world's second-largest recipient of remittances, behind only India. According to BBVA Research, Mexico received $61.8 billion USD in remittances in 2025, representing 3.4% of the country's GDP. Today, there are dozens of apps and money transfer services available for sending money from the United States to Mexico. Some focus on speed, others on cash pickup access, and some prioritize lower overall costs.
In this guide, we'll break down what actually affects the cost of a transfer, compare popular services, and explain how to find the option that works best for you and your family.
One very important aspect to consider is the amount allowed by money transfer apps, as well as any restrictions included in their terms and conditions.
In general, there is no legal limit imposed by the United States government, but each platform has its own standards and regulations that determine transfer limits and guidelines for international money transfers.
For example, these are some of well known providers that offer money transfers to Mexico and their respective limits:
If you are looking for a straightforward way to send money to Mexico, Común can be an excellent alternative. New users can enjoy the first money transfer free and then pay a fee starting at 2.99 USD per transfer, up to applicable limits.
There are several ways to send money from the United States to Mexico, whether through traditional banks or specialized international money transfer services. These are the main options to do it:
One of the most common ways to send money is through wire transfers from one traditional bank to another. The advantage of this method is that it can be secure because it is backed by official financial institutions. However, transfers can take longer and involve higher fees.
To send funds this way, you must have a U.S. bank account and use the recipient's SWIFT code.
The transfer cost depends on the receiving bank in Mexico. For example:
These fees apply regardless of the amount sent, therefore it is important to confirm the fees with each bank.
Another option, which may be more accessible for people without a bank account, is sending cash that can be picked up at different locations across Mexico.
To send cash, it is common to visit a physical location of the provider that offers this service, such as a Western Union office. Once there, you pay the amount you want to send plus the assigned fee. To collect the funds, your family members must present a valid government ID at one of the participating locations, such as Oxxo, Banco Azteca, Walmart, or others. However, many service providers such as Western Union also have digital offers.
Although this can be a convenient alternative for people who mainly manage cash, it may also come with potential drawbacks, such as fees that vary depending on the amount sent and exchange rates that might be less competitive compared to some digital transfer services.
Another option for sending money to Mexico is through apps and digital platforms that specialize in international money transfers, such as Wise, Félix Pago, Ria Money Transfer, and Común. Many of these services are available on both iOS and Android and may offer lower costs compared to some cash transfers or traditional bank wires, depending on the provider and delivery method. Some platforms focus mainly on money transfers, while others may also include additional financial features, such as a debit card or access to a U.S. bank account.
To access these services, you must create an account on the provider's website or app. In addition, some apps require identity verification using personal information such as your SSN (Social Security Number) or ITIN.
You can send money directly through the provider's app or, in some cases, even through WhatsApp, and choose the preferred delivery method. Some services also offer cash pickup options for recipients. For example, Común accepts more than 100 Latin American IDs for account verification, it allows you to send money through the app or via WhatsApp, and offers cash pickup options across Mexico.
Before choosing an app to send money to Mexico, we recommend comparing the most popular options and evaluating which one best fits your needs and those of your family.
There are many apps available for sending money from the United States to Mexico, but costs, delivery speeds, and exchange rates can vary depending on the provider and transfer method. Comparing multiple options can help you find the service that best fits your needs.
| Service | Payment Options | Fee | Delivery Options | Exchange Rate | MXN per 1,000 USD | Speed |
|---|---|---|---|---|---|---|
| Común | Bank account, debit card, cash | Starting at 2.99 USD | Bank account or cash pickup | Competitive | ~17,000 MXN | Minutes to hours |
| Western Union | Bank, cash, card | Varies depending on amount | Bank, cash, wallet | Exchange rate with spread applied | ~16,920 MXN | Minutes to days |
| Félix Pago | WhatsApp, cash, card | $2.99 USD for bank account and $4.98 USD for cash pickup transfers | Bank account and cash | Competitive | ~17,000 MXN | Instant |
| Ria Money Transfer | Bank account (ACH), debit card, credit card, cash | Starting at $0.99; free for bank transfers up to $15,000 | Bank account, cash pickup, mobile wallet | Exchange rate with spread applied | ~16,900–17,000 MXN | Minutes to days |
| MoneyGram | Bank account, debit card, credit card, cash (at agent) | Free for bank transfers up to $10,000; $49.99 for $10,001–$15,000; $5+ for cash sends | Bank account, debit card, mobile wallet, cash pickup | Exchange rate with spread applied | ~16,800–16,950 MXN | Minutes to hours |
The amount received in MXN for every 1,000 USD can change throughout the day due to fluctuations in exchange rates, provider fees, and delivery methods. The rates shown here are for illustrative purposes only and may not reflect the exact amount available at the time of your transfer. Before sending money, it may be helpful to compare the current exchange rate and total transfer cost across providers. Común's comparison tool can help you check and compare available rates in real time.
When comparing money transfer services, many people focus only on the advertised transfer fee. But the real cost of sending money to Mexico usually depends on three different factors:
Understanding these costs can help you compare services more accurately and avoid situations where your family receives less money than expected.
The transfer fee is the most visible cost. This is the amount the provider charges to process the transaction.
Some services charge a flat fee per transfer, while others adjust the fee depending on the amount sent, the payment method, or how quickly you want the money delivered. In some cases, companies may offer promotional pricing or even a free first transfer for eligible users.
Although low fees can help reduce costs, they may not always result in the lowest overall transfer cost once exchange rates and other charges are taken into account.
The exchange rate spread is one of the most important and often least visible parts of the total cost.
Some service providers do not use the exact market exchange rate you find on Google or financial websites. Instead, they add a margin, also known as a "spread," when converting USD to MXN.
This means that even a small difference in the exchange rate can significantly reduce the amount your recipient receives in pesos, especially on larger transfers.
A service with a slightly higher transfer fee but a more competitive exchange rate may actually deliver more money to your family in Mexico.
In some cases, additional costs may appear after the transfer is sent. Depending on the provider and delivery method, the recipient could face charges for cash pickup, ATM withdrawals, bank processing, or currency conversion. Some banks and pickup locations may also apply their own service fees.
These extra costs are important because they directly affect the final amount your recipient can actually use.
The best way to compare money transfer services is to look at the total outcome: how much you pay, how much your recipient receives, and how long the transfer takes.
If possible, it is recommended that before sending money, you review the transfer fee, compare the exchange rate, and check whether there are any recipient-side charges. Small differences across these three factors can add up quickly over time.
To compare real-time transfer costs, exchange rates, and delivery options, you can use tools like Común's compara before making your transfer.
With Común you can send money to your family and friends in Mexico directly from Común's mobile app without leaving your home.
You can follow these steps:
Transfer fees start at 2.99 USD per transaction, up to applicable limits.
Today, there are more options than ever for sending money from the United States to Mexico. Whether you prefer the familiarity of a traditional bank, the convenience of cash pickup, or the flexibility of a digital platform, the right choice will depend on your own situation.
Comparing fees, exchange rates, delivery methods, and transfer times may help you find an option that better fits your needs and the way your family prefers to receive money.
With Común you can open an account using more than 100 Latin American IDs, send money from the comfort of your phone and access multiple delivery methods across Mexico.
Fees start at $2.99 per transfer. Your first transfer is at no cost. Común shows the exchange rate and the exact amount your family will receive before you confirm — nothing changes afterward.
Most transfers arrive within minutes. The exact time depends on the delivery method your family chooses (bank deposit or cash pickup).
Común offers cash pickup at locations like Elektra and Oxxo, plus direct deposit to a Mexican bank account.
Starting at $2.99 per transfer. Your first transfer is at no cost. The final amount your family receives is shown in full before you confirm, with no hidden charges.
Yes, Común offers a competitive exchange rate and shows you the exact amount in pesos before sending, so you know exactly how much your family will receive.
Yes, your family can pick up the cash at locations like Elektra or Oxxo without needing a bank account.
Most transfers arrive within minutes, depending on the delivery method chosen.
Yes, remittances are sent from your Común account inside the app by selecting "Send a remittance."
Transfer limits vary by account; you can check them directly in the app before confirming your transfer.

Living in the United States
8 min de lectura
Bank Accounts
Having a bank account is essential for managing your financial life efficiently and offers numerous practical benefits. One of the main advantages is safe money storage. Unlike keeping cash at home, which can be vulnerable to theft, loss, and damage, money kept in a bank account is safe and protected. Additionally, bank accounts provide great convenience for everyday transactions. You can easily pay bills, receive direct deposits, withdraw cash, and make purchases with a debit card linked to your account. Modern banking also lets you manage your finances from virtually anywhere through online and mobile banking platforms.
Types of Bank Accounts: Checking and Savings
In the world of personal finance, understanding the different types of bank accounts is crucial.
Understanding these options helps align banking services with your financial goals, whether you're considering opening a business checking account or a joint savings account at the same bank or credit union.
Opening Your First New Bank Account
To open an account, particularly a new online bank account, start by choosing the right financial institution — it could be an online-only bank, a traditional bank, or a credit union, depending on your financial needs and preferences. Consider factors like accessibility, customer service, fee structures, and the availability of online and mobile banking features when selecting where to open your account.
The process generally involves making an initial deposit, which can vary but is often a minimum opening deposit. Meeting the minimum deposit is crucial to qualify for account bonuses. Some institutions may require only a few dollars, while others may ask for a larger amount, especially for premium or specialized accounts. During the account-opening phase, you'll need to provide personal information like a Social Security Number or an Individual Taxpayer Identification Number, and a government-issued ID, like a passport or driver's license. This information helps the bank ensure compliance with regulatory requirements, including those related to money laundering.
Many banks offer bank account bonuses or a checking account bonus to new checking account customers, which can be an attractive incentive. Opening a personal checking account in America comes with specific bonuses and rewards, including cash bonuses for meeting certain requirements like a qualifying direct deposit. To qualify for these bonuses, customers often need to meet criteria like a minimum deposit within a certain timeframe and maintaining that balance for a specific period. For example, some financial institutions offer cash bonuses for setting up a qualifying direct deposit. This incentive often requires you to receive a regular payment, like a salary or a government benefit, directly into your new account within a certain period of opening the account. Be sure to understand the terms and conditions associated with these bonuses, like minimum balance requirements and the duration of direct deposits.
Additionally, ask about any potential fees associated with the account, like monthly maintenance fees, ATM usage fees, and overdraft charges. Sometimes, banks offer fee waivers under certain conditions, like maintaining a minimum balance or even by enrolling in direct deposit. It's also worth asking about the bank's overdraft policies. Some banks offer overdraft protection programs, which can keep you from incurring fees if you accidentally overdraw your account. This service can be a lifesaver for new account holders unfamiliar with managing their balance, but it typically comes at an additional cost.
Finally, consider the bank's customer service and support options. Reliable customer support can be invaluable, especially if you run into issues with your account or need guidance on using banking services. By carefully considering these aspects, you can ensure your first banking experience is positive and financially beneficial. Remember, the right bank for someone else might not be the right bank for you, so choose based on your specific circumstances and financial needs.
Común Is a Great Choice for Your Banking Needs in the USA
If you're looking for a reliable, modern banking solution in the United States, Común is the perfect choice for you. Común is a digital bank designed for everyone, especially the immigrant community, offering a hassle-free banking experience, no hidden charges, and Spanish-language tools that make managing your finances easier. With Común, you can open an account in minutes from your phone, get your complimentary debit card, and start enjoying benefits like no-cost transfers, direct deposits, and access to more than 55,000 fee-free ATMs nationwide. Plus, Común cares about your security, implementing advanced measures to protect your money and your data. Don't wait any longer — join the Común community for a banking experience that understands and supports your unique needs.
Open your checking account¹ in 3 minutes with your country's ID²
More Information About Bank Accounts in the United States
We explain your account number
Best practices for managing your account
Effective Account Management
Effectively managing bank accounts goes beyond simply monitoring balances — it involves a comprehensive approach to financial administration. This means understanding and reducing account fees, which can include monthly maintenance, ATM usage, and overdraft charges. One way to minimize these fees is by meeting minimum balance requirements or enrolling in direct deposit, since many banks offer fee waivers under these conditions.
Using online and mobile banking tools is essential for efficient financial management. These platforms allow real-time transaction monitoring, immediate fund transfers, and quick access to statements and banking documents, which can help with budgeting and tax preparation. Setting up automatic bill payments is another crucial feature, ensuring all payments are made on time, avoiding late fees and service interruptions.
For those managing multiple accounts, like a business checking account and a personal checking account, linking these accounts can simplify money management. It allows easier transfers between accounts and a consolidated view of finances, which is particularly beneficial for small business owners who need to keep personal and business expenses separate. Additionally, having multiple bank accounts can offer significant benefits, like separating funds for different purposes — such as everyday expenses, savings, and investments — and meeting individual or joint financial needs, including for international travel or business purposes.
Additionally, mobile banking has revolutionized access to financial services, letting users complete a variety of banking tasks from their devices, like checking balances, depositing checks remotely, and withdrawing cash from ATMs without a physical card. This convenience, however, needs to be balanced with diligent security practices to protect financial data.

Security and Protection
Account security is critical for protecting financial assets from potential threats like fraud and identity theft. Banks, whether online or traditional, implement robust security measures, including encryption, Secure Sockets Layer (SSL) certificates, and continuous monitoring for suspicious activity. However, responsibility also falls on the account holder to improve their personal security.
Enabling two-factor authentication adds an extra layer of security, significantly reducing the risk of unauthorized access. Using strong, complex passwords and changing them regularly are fundamental practices for securing online banking portals. Account holders should also be alert to phishing scams — fraudulent attempts to obtain sensitive information. Recognizing suspicious emails, links, or phone calls requesting personal banking information is crucial.
Regularly monitoring account activity is another proactive security measure. Many banks offer customizable alerts that immediately notify the account holder of unusual or large transactions, allowing quick action against unauthorized access. It's also advisable to frequently review transaction history to identify any irregularities that might indicate fraudulent activity. Additionally, understanding the latest banking security technologies and using all available tools provided by financial institutions can significantly improve the security of banking operations. These tools include biometric verifications, like fingerprint and facial recognition, which offer a higher level of security than traditional passwords.
By incorporating these advanced management and security practices, people can significantly improve both the efficiency and security of their banking experience, ensuring their financial assets are managed wisely and protected against potential threats.
Conclusion
Navigating the complexities of bank accounts — from choosing the right type to managing and securing them — can significantly impact your financial well-being. Understanding the various account types available, from personal and business checking accounts to savings and CD accounts, lets you make informed decisions that align with your financial goals. Opening your first account is a crucial step that lays the groundwork for building a robust financial future. By selecting the right financial institution, understanding fee structures, and taking advantage of incentives like account bonuses, you position yourself to maximize the benefits of banking.
Effective account management and vigilant security measures are essential to getting the most out of your banking experience. Using online and mobile banking tools not only provides convenience, but also lets you keep close oversight of your financial activities, ensuring your money works for you as efficiently as possible. Additionally, the importance of security can't be overstated — protecting your financial information from fraud and theft is paramount in today's digital age.
Ultimately, carefully managing and protecting your bank accounts is crucial to maintaining financial health and reaching your monetary goals. By adopting the practices outlined in this guide, you can confidently navigate the banking landscape, making informed decisions that strengthen your personal and business finances. Whether you're opening your first account or optimizing existing ones, remember that every step you take is a building block toward greater financial security and freedom.

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

Checking account
8 min de lectura
A bank account is a financial account a customer holds at a bank. A bank account lets customers deposit and withdraw money, as well as write checks. That's why it's also called a checking account.
The advantages of having a bank account include:
How Do You Open a Bank Account?
Opening a bank account is relatively easy. You'll need to provide some personal information, like your name, date of birth, and address. You'll also be asked for ID — usually a Social Security Number (SSN) is enough. More modern banks, like Común, let you replace your SSN with a passport or consular ID. You may also be asked for documentation proving your address.
The Different Types of Bank Accounts Available
There are different bank accounts to choose from. The most common type is the checking account, which lets you deposit and withdraw money and write checks. A checking account is a great option if you want easy access to your money without carrying cash, since your account's debit card lets you pay at any business.
Another common type of bank account is the savings account. Savings accounts let you save money and earn interest on your deposits. It's a great option if you want to build up your savings over time.
There are also several specialized bank accounts, like accounts for students, seniors, and businesses. Be sure to research the different bank accounts available and choose the one that best fits your needs.
How to Manage a Checking Account Online
Many bank customers choose to manage their bank account online. You can do this through the bank's website or app. Managing your bank account online lets you access it 24 hours a day, 7 days a week.
Some things you can do online include:
What Does It Cost to Open a Bank Account in the United States?
Some accounts, like the one Común offers, come with no monthly fee and no minimum balance requirement. However, many banks do charge fees. These include some of the most popular banks in the United States: Bank of America, JPMorgan Chase, Citigroup, and Wells Fargo. Here are some of the fees they charge:
Certain banks also limit Spanish-language support in their digital interfaces or customer service centers. Be sure to research the fees charged and the language support offered before opening an account with any bank.
FDIC Backing
The Federal Deposit Insurance Corporation (FDIC) is a government agency that insures consumer deposits at banks in its network. It's important to choose a bank with this backing, since you'll have up to $250,000 of your funds insured by the U.S. government if your bank fails.
The Benefits of Común
At Común, you'll find a checking account with no monthly fee and no minimum balance, in Spanish (from the mobile app to customer support), with the flexibility to apply using your passport, no matter your nationality. Opening an account is very easy, and you'll have 24/7 access, along with the ability to pay bills or deposit checks. Común is FDIC-insured, so your funds are protected up to $250,000 USD.
As with any financial service, be sure to research the different options available and choose the one that best fits your needs.

Financial Education
8 min de lectura
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.
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?
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.
A passport is essential for immigration procedures you may need in the U.S., such as visas and permanent residence processing.
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.
An expired passport could cause problems with U.S. immigration authorities and, in turn, jeopardize your ability to remain in the country.
The following documents are basic requirements to obtain a new passport:
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:
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:
Note that some Mexican consulates offer priority services for these needs.
Before booking a consular appointment, make sure you meet the requirements to renew your Mexican passport.
This is a basic document proving Mexican nationality. Make sure you obtain a certified copy issued by the Civil Registry.
The Unique Population Registry Code (CURP) is essential to confirm personal data.
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.
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.
Booking an appointment is essential to renew your passport.
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.
Arrive on time and present your documents in order. Once processed, you’ll receive your passport.
An expired passport could cause easily avoidable setbacks and difficulties. Below are some tips to help you keep your official documentation up to date.
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?
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!
If you still have questions, see this section.
Yes, credit card is an accepted payment method.
You must present a theft or loss report issued by the local police and complete the loss declaration form at the consulate.
Mexican birth certificate, official ID, official IDs for both parents or guardians, and their in-person presence at the consulate.
The passport is a right of Mexican citizenship, and you do not need to have any specific U.S. immigration status.

Checking account
8 min de lectura
A debit card is a bank card that lets you make purchases and withdraw money using funds available in your bank account. A debit card looks a lot like a credit card, but it works differently. When you use a debit card, the money is deducted directly from your bank account. That means you can only use the card if you have enough available funds — otherwise, the transaction won't go through.
Who Issues Debit Cards for Consumers?
Debit cards are issued by banks and are linked to individual checking accounts. You can get a debit card by opening a bank account at any bank or credit union that offers this service.
Many banking institutions also offer other digital services, like mobile and online banking, that let you manage your account over the internet or through a mobile device. In general, all banks offer services designed for people with different needs and income levels, giving nearly every adult access to banking.
Even though debit cards are easy to use, you should be careful with them. If you lose your card or it's stolen, report it to your bank immediately to prevent fraud or misuse. You should also regularly check your statements for fraudulent transactions or errors. With a bit of care, debit cards can be a useful tool for managing your money and making purchases online and in person.
How Can You Use Your Debit Card to Make Purchases or Withdraw Money From an ATM?
There are many ways to use a debit card to make purchases or withdraw money from an ATM.
To make a purchase, you can insert your card into the point-of-sale (POS) terminal and select "debit" as your payment method. Then enter your PIN and select the purchase amount.
To withdraw money from an ATM, insert your card into the machine's slot and select "checking/savings." Then enter your PIN and select the amount you want to withdraw.
You can also use your debit card to make payments online or by phone. To make an online payment, enter your card details on the merchant's website. To make a payment by phone, call the merchant's customer service number and provide your card details when asked.
What Protection Do Visa Debit Cards Have Against Unauthorized Charges?
If you have a Visa card, you're protected by Visa's Zero Liability policy. This policy guarantees you won't be held responsible for any unauthorized charges made with your card. That means if someone steals your card or uses it without your permission, you won't have to pay for those charges.
Visa's Zero Liability policy applies to all Visa cards, including debit and credit cards. It also applies to all transactions, including online and in-person transactions. This policy was put in place to help protect consumers against fraud and identity theft.
If you're a victim of fraud or identity theft, be sure to report it right away. You can call Visa's toll-free number 24/7 to report any incident. Visa will work with you to resolve the issue and help protect your money and identity.
What Are Virtual Debit Cards?
A virtual card is a card that isn't physical — it exists only in the digital world. Virtual cards are often used for online purchases, since they offer more security than using a regular debit card.
One of the benefits of virtual cards is that they can be used to limit how much money is spent on a purchase. For example, if you're buying something online and want to make sure you don't go over budget, you can use a virtual card instead of your regular credit or debit card. This can help you stay within budget and avoid racking up debt. Likewise, if your information is stolen during a transaction, the thief won't be able to access your other cards. This can help prevent fraud and keep your personal information safe.
If you're interested in getting a virtual card, there are a few things you should know. First, not all banks offer virtual cards, so you may need to open a new account at a bank that offers this service. Second, not all merchants accept virtual cards, so there may be some places where you can't use them. Finally, virtual cards sometimes come with associated fees, so be sure to read the terms and conditions before using one.
The Benefits of Común
When you get a checking account with Común, you'll get two debit cards: a physical one and a virtual one.
The physical card lets you make purchases at any business, and offers security thanks to its contactless capability and chip. This prevents your card details from being cloned or used for fraud.
The virtual card lets you make online purchases with more confidence, since contactless technology and chip protection aren't available on the internet — but if fraud does happen, the card can be canceled and replaced immediately. You can contact our support team anytime to report these cases.
Común debit cards work at more than 55,000 ATMs across the United States for deposits and withdrawals, and are protected by Visa's Zero Liability policy. That means any unauthorized charge won't be deducted from your checking account balance.

Immigration
8 min de lectura
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.
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.
Before starting the immigration process, you should know the H-1B requirements and verify that your background aligns with them to determine eligibility.
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.
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.
Keep in mind that this visa is used for jobs requiring specialized knowledge, and openings most often arise in the following areas:
Another key point is that this visa has an annual issuance cap, divided as follows:
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.
Below is how the H-1B application process works.
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).
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.
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.
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.
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.
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.
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.
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.
This visa depends entirely on the employer extending the job offer and completing the filing process.
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.
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!
Open your Común account today and manage your money in the U.S.
Your employer must sponsor permanent residence under an employment-based category, file PERM with the DOL, and then file Form I-140.
A maximum of 6 years.
Form I-129: from $460 to $780.
An anti-fraud fee may apply.

Living in the United States
8 min de lectura
Building a solid financial foundation in the U.S. starts with three pillars: a realistic budget, responsible debt management, and consistent savings for emergencies and long-term goals. An account with no monthly fee, like Común's, makes it easier to stay in control without losing money to fees.
Creating a savings account and establishing an emergency fund are crucial steps in building a strong financial foundation. An emergency fund ensures that you have a safety net for unexpected expenses, preventing a financial setback. These steps are essential for managing your financial life effectively.
Opening a savings account is straightforward and gives you a safe place to keep your money. Many banks offer savings accounts with competitive interest rates that help your money grow over time. When building a strong financial foundation, immigrants in the U.S. should consider the following three types of savings accounts. Each type offers unique features and benefits that can help with different aspects of financial planning:
Traditional savings accounts are offered by most banks and credit unions and are a good starting point for those looking to save money safely.
Key Features:
Benefits:
High-yield savings accounts offer higher interest rates compared to traditional savings accounts, helping your money grow faster over time. They are generally available through online banks, which may offer better rates because of their lower operating costs.
Key Features:
Benefits:
Certificates of Deposit (CDs) are time deposit accounts that offer higher interest rates in exchange for leaving your money in the account for a fixed period of time. This is a great option for someone who does not need access to their money for a longer period.
Key Features:
Benefits:
Calculating an emergency fund based on your income involves a few key steps to ensure you have a financial cushion that can cover unexpected expenses. Here is how to determine a good amount for your emergency fund:
Building an emergency fund is an essential step toward financial security. By carefully calculating your monthly expenses, determining how many months you need to cover, and adjusting for personal factors, you can create a financial cushion that protects you against unexpected expenses. Whether you aim for three or six months of coverage, having an emergency fund will give you peace of mind and stability, ensuring that you are prepared for financial challenges that may arise.
Effective cash flow and budget management are fundamental to maintaining personal finances and financial stability. By tracking your income and expenses, you can make informed financial decisions and avoid overspending.
Mastering your cash flow and budget is crucial for financial stability. By diligently tracking your income and expenses, you can make informed decisions and avoid overspending. Establishing a realistic budget helps you prioritize essential expenses, savings, and investments, ensuring that you live within your means. Effective debt management and building good credit are also key components, as they reduce financial burdens and open the door to better opportunities. Together, these practices lay the foundation for a secure and prosperous financial future.
Investing in your future is vital for long-term financial security. Start saving for retirement and consider education savings plans if you have children.
Navigating the complexities of personal finance can be daunting. If you seek advice from a financial advisor or tax professional, they can help you make better-informed decisions and optimize your financial health.
Investing in your future is essential to achieving long-term financial security. By contributing to retirement accounts and setting up education savings plans, you can secure a comfortable retirement and ease the financial burden of your children’s higher education. Exploring mutual funds allows you to diversify and grow your wealth. In addition, seeking professional guidance from financial advisors and tax professionals can help you make informed decisions and optimize your financial situation, putting you on the path to a secure and prosperous future.
Building a strong financial foundation in the U.S. is essential for immigrants seeking stability and prosperity. By creating a savings account, establishing an emergency fund, managing your cash flow, and budgeting wisely, you can secure your financial future. In addition, investing in retirement and education savings plans, as well as seeking professional guidance from financial advisors and tax professionals, will further strengthen your financial foundation. These steps not only provide immediate financial security, but also pave the way for long-term financial success. Remember, every small step you take today contributes to a stable and prosperous financial future in the U.S.
A budget that prioritizes essential expenses, debt management that avoids unnecessary interest, and a savings fund for emergencies and long-term investment.
It's generally recommended to have 3 to 9 months of basic expenses covered, though the exact amount depends on your personal situation.
Look for an account with no monthly fee, no minimum balance, and tools that make it easy to track your spending — every avoidable fee is money that stays in your budget.
A realistic budget, responsible debt management, and a savings fund for emergencies and long-term investment.
Generally 3 to 9 months of basic expenses, depending on your personal situation.
Every fee you pay is money you can't put toward your financial goals — over time, these fees add up to hundreds of dollars a year.
Yes — it doesn't charge a monthly fee or require a minimum balance, and offers tools like real-time notifications to track your spending.
It helps you access better rates on loans and cards, but it's not a requirement to open a basic bank account.
Start with small, consistent amounts — even $20-30 a week adds up significantly over time.

Checking account
8 min de lectura
Opening an online banking account is very easy these days. We’ll show you the key factors you should consider when choosing the digital bank that best fits your profile, since there are multiple options on the market. We’ll also explain how to open an online account effectively.
Opening an online banking account in the U.S. can be done in minutes from your cell phone. All you need is a valid ID, a U.S. phone number, and your address. Platforms like Común do not require an SSN and accept more than 100 Latin American IDs, making the process accessible for immigrants from day one.
Online banking consists of managing your money and carrying out financial transactions through the internet or a mobile app, without needing to visit a physical bank branch. This includes checking your balance, making transfers, paying bills, depositing checks, and more.
The main advantages are 24/7 availability, access from anywhere, no lines or office hours, and generally lower fees than traditional banks because they do not have physical infrastructure costs.
Not all online banks are the same, especially for immigrants. The most important factors to consider are:
The general process for opening an online banking account in the U.S. is as follows:
Many traditional banks require an SSN to open an account. However, Común allows you to open an account with a passport, consular ID, or other forms of Latin American identification. There is no minimum balance, no monthly fee, and the process is completely in Spanish. The account includes a VISA debit card, early direct deposit, and remittances starting at $2.99.
Yes. Digital banks like Común let you open an account 100% online from your phone, without visiting any branch. All you need is your ID and a U.S. phone number. The process takes about 3 minutes, and approval is instant in most cases.
It depends on the bank. Traditional banks generally ask for an SSN or ITIN, photo ID, and proof of address. Común accepts more than 100 Latin American IDs — passport, consular ID, national ID — without needing an SSN or minimum balance. You only need a U.S. phone number and your current official identification.
Yes, if they are backed by the FDIC. Regulated digital banks in the U.S. offer the same level of protection as traditional banks: up to $250,000 per account holder insured federally. They also use SSL encryption, two-factor authentication, and anti-fraud systems. Común operates through Community Federal Savings Bank, an FDIC member.
Yes, there is no legal limit. Many people have accounts at multiple banks: for example, one for everyday spending and another for savings. You can have a Común account for day-to-day use in the U.S. and keep your account in your home country to receive funds when you travel.
Most digital banks approve the account within minutes. The physical card arrives by mail in 5-10 business days. However, the virtual card is available as soon as you are approved, allowing you to make online purchases or add the card to Apple Pay or Google Pay right away.
Yes. All online banking accounts that have a routing number and account number accept payroll direct deposit. Común has its own routing number and lets you generate a pre-filled form to give to your employer. Many digital accounts also advance the deposit up to 2 days before the official date.

Immigration
8 min de lectura
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.
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:
Applicants commonly must show “good moral character,” employment stability, and community ties.
The letter helps reinforce the applicant’s credibility and show they have support in the United States as a contributing community member.
Professionals or researchers often need a recommendation letter from expert peers to substantiate their track record and expertise.
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.
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:
They can testify to the applicant’s role in the family and commitment to loved ones.
A close friend can focus on qualities like loyalty, honesty, and trustworthiness to emphasize the applicant’s human side.
They provide key testimony of the applicant’s work ethic and professional responsibility.
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.
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.
Include the applicant’s full name, address, date, and a formal salutation to USCIS or the relevant authority.
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.
This is the most important part and should reflect aspects such as:
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.”
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.
Below is a reference letter template to make drafting your document easier.
Sender’s full name
Address
Phone number
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.
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!
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!
If you still have questions, see the section below:
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.
You can ask an immigration attorney to prepare a statement explaining why no one is available to provide a letter.
Ideally, submit the letter in English or include a certified translation to avoid issues during the visa application.

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







Comun is a financial technology company and not a bank. Banking services are provided by Community Federal Savings Bank; Member FDIC. The Comun Visa® Debit Card is issued by Community Federal Savings Bank, pursuant to a license from Visa U.S.A Inc. and may be used everywhere Visa Cards are accepted.
Comun is a fintech company and not a bank or licensed money transmitter.
* Results may vary. For a complete list of eligible IDs and application requirements, follow this link.
^ No minimums, no maintenance fees. ATM or transfer fees may apply. See app for fee details.
‡ Direct deposit funds are typically available when we receive the payment file, up to two days before the scheduled payment date. This early availability is not guaranteed.
** A service provided by Service UniTeller, Inc. Service UniTeller, Inc. is licensed in all states that require a license. Remittance fees start at $2.99 but may vary. Please check the app for more details. Comun Inc. may earn revenue from the conversion of foreign currencies.
† Funds in your account are FDIC insured up to $250,000 by ownership category through Community Federal Savings Bank (CFSB), Member FDIC, in the event CFSB fails.