En este artículo te indicaremos las ventajas y los requisitos que posee el tener una cuenta de débito en Estados Unidos. Es necesario indicar que el centro financiero del mundo es Nueva York y allí se encuentran los centros de pagos más importantes donde se enlazan los organismos financieros más calificados del planeta. Por ello, el tener una cuenta en Estados Unidos es indispensable si realizas negocios a nivel global. 

Por qué es importante poseer una cuenta de débito en Estados Unidos

Te indicaremos las ventajas que posee el tener una cuenta de débito en Estados Unidos y, lo que conlleva poseerla, entre los beneficios más destacados tenemos los siguientes: 

- Costos: Realmente los costos para abrir una cuenta en U.S.A. son mínimos, esto se debe principalmente a los tipos de cuentas digitales que existen. Con ello, tienes la posibilidad de realizar operaciones financieras con aquellas personas que deseas realizar negocios de forma fluida. 

- Requisitos: Suele tener requisitos básicos, siempre y cuando poseas mayoría de edad y algún documento que muestre dirección. Si eres extranjero, existe la posibilidad de abrir la cuenta en Estados Unidos sin tener que poseer una gran cantidad de requisitos, ni presencia física. 

- Control: Tienes la posibilidad de poder conocer las comisiones, las deducciones al igual que los pagos realizados a través de la plataforma, para ello te recomendamos leer: Cómo administrar mi dinero en una cuenta de débito. 

- Ideal para Freelancers: Si realizas trabajos remotos, generalmente las empresas  globales suelen exigir una cuenta en alguna plataforma de pagos. Y para ello, es necesario contar con una cuenta en los Estados Unidos. Por este motivo es necesario abrirla para que puedas cumplir con los requisitos en esta plataforma de pagos. 

- Seguridad: Te ofrece la seguridad que posee la regulación estadounidense. Además, los fondos están protegidos por la Federal Deposit Insurance Corporation (FDIC).

- Alternativas: Existen una gran diversidad de alternativas para poder obtener una cuenta en Estados Unidos, en donde entre las principales opciones se encuentra iniciar con una cuenta de débito la cual, ofrece alternativas para aquellos que desean obtener cuenta sin ser residentes de este país norteamericano.

Requisitos generales para abrir una cuenta en Estados Unidos

Los requisitos que te indicamos, son para abrir una cuenta general, es necesario que sepas que los requisitos dependen del tipo de cuenta. Entre los requisitos que suelen solicitar las entidades financieras estadounidenses se encuentran las siguientes: 

- Documento de identificación: Emitido por el gobierno donde resides (Pasaporte, DNI o Cédula de identidad dependiendo del país de origen).

- Constancia de Residencia: Alguna factura (con fecha actual) de servicios que indique la ubicación física. Esta debe poseer código postal.

- Correo electrónico: Para que sea enviado por esta vía el correo de confirmación en caso de abrir la cuenta mediante una plataforma o aplicación. 

. Equipo Móvil: Para poder autenticar las operaciones realizadas a través de la plataforma de la entidad bancaria.  

Si deseas abrir una cuenta en Estados Unidos existen diversas opciones y tipos de cuentas. Tan solo debes elegir la que esté acorde a tus necesidades, requerimientos y puedas cumplir con los requisitos de manera cómoda y segura.

Driver’s license in the United States for foreign nationals: steps and requirements

Having a driver’s license makes everyday tasks easier, such as going to work, the supermarket, school, medical appointments, and more. This process is especially important for immigrants living in the United States, as it gives them independence and stability in the country.

Although the process to obtain a driver’s license varies in each state, foreign nationals do have the possibility and the right to obtain one. Below, we explain all the details so you can get this permit soon.

Can you drive with an international license in the United States?

If you have recently arrived in the United States and need to get around in your own car, you may temporarily use the driver’s license from your home country, as long as it is issued in English or accompanied by an international driving permit.

As a new driver in the United States, you must understand the difference between an international license and a local one: the former supplements your national license and allows you to drive in the U.S. for a few months; the latter is issued by the Department of Motor Vehicles (DMV) in each state and grants you a permanent permit to operate a motor vehicle in the country.

Regulations differ in each state: for example, in California you can drive with a valid foreign license until you become a resident. In contrast, in Texas your national license is valid for 90 days, and you must always carry your passport or visa.

Allowed period to drive with a foreign license

The maximum time allowed to drive with a foreign license varies depending on each state’s local regulations. In general, the period can range from 30 days to one year, from the day you arrive until you establish yourself as a permanent resident.

When is it necessary to apply for a U.S. driver’s license?

If you plan to live in the United States for a longer period, you need a U.S. driver’s license to drive. It is also essential if you plan to buy a car.

Also, remember that in some states the period to drive with a foreign license is limited, so you should consider applying for a U.S. license before that deadline expires.

Requirements to obtain a driver’s license in the U.S. as a foreign national

The requirements to obtain a driver’s license also vary by state, although the general structure is similar.

This is the documentation needed to obtain a driving permit in the United States.

• Valid passport or official identification: used as proof of identity.

• Proof of residency: can be a utility bill, rental agreement, or official letter showing your address.

• Immigration status or proof of legal presence: such as the Employment Authorization Document (EAD) or the I-20 form for students.

• Social Security Number (SSN) or an SSA ineligibility letter.

Keep in mind that states such as New York and Illinois allow applicants to obtain a driver’s license without considering immigration status.

Learn here how to send money without a bank account.

5 steps to apply for your U.S. driver’s license

Getting your driver’s license may seem like a complex and tedious process. In reality, you only need to stay organized and take the time to understand the guidelines.

Step 1. Gather your documents

Before going to a DMV office, make sure to prepare the required documents. In the previous section we outlined what you generally need, but remember to check for variations in the state where you live.

Step 2. Schedule an appointment at the DMV

Then, visit the DMV website and book an appointment. On the scheduled day, your documents will be reviewed and you will be given a date for the written exam.

Step 3. Take the written exam

The written exam evaluates your knowledge of traffic rules and road safety. Each state offers a driver’s manual to study for the test, and some are available in other languages, such as Spanish.

If you pass, you will receive a learner’s permit that will allow you to take the driving test under the guidance of an instructor.

Step 4. Take the driving test

The next step is probably the most challenging, as you must apply your theoretical knowledge in real driving practice. During the test, the instructor will evaluate your ability to follow traffic signs, park, turn, and follow safety rules.

Step 5. Pay the corresponding fees

Once you pass your driving test, you must pay a fee that varies by state. Initially, you will receive a temporary license and later receive your permanent license by mail.

Costs, timelines, and validity of a U.S. driver’s license

The cost of a driver’s license in the United States depends on each state, but generally includes the cost of the written exam, driving test, and issuance. The validity also varies by state, but it is usually between 4 and 8 years.

Additionally, a positive update for immigrants is that more states are removing immigration status requirements to issue a driver’s license; this is the case in California, New York, and Illinois.

If you have questions about the specific requirements in your state, check the updates on the official DMV website.

Drive toward your financial independence with Comun

Having a U.S. driver’s license represents another step toward achieving financial independence and making it easier to move around your city. Therefore, it is essential to understand the process to obtain one, as well as the differences in each state.

In other words, having a license simplifies and improves your life by making everyday tasks more accessible. Likewise, Comun is the financial platform that helps you manage your money safely and without complications.

Open your account with Comun and take the next step toward your independence in the United States. Manage your money with confidence, clarity, and support at every step.

Frequently Asked Questions (FAQ)

If you still have questions, check the following section.

How long can I drive with my foreign license in the U.S.?

The duration varies depending on the state you are in, but generally ranges from three months to one year.

What happens if my immigration status changes after I obtain my license?

If your immigration status changes after you obtain your driver’s license, it is recommended to update your information at the DMV. You may need to apply for a new license or present updated immigration documentation.

Is it valid to use an international license in all states?

Although the international driving permit (IDP) is accepted in most states, it must be accompanied by a valid national license. Additionally, there may be restrictions on how long it can be used in each state.

Can I get a driver’s license without a Social Security Number (SSN)?

Yes, it is possible to apply for a driver’s license without an SSN in several states. In this case, you must present an ineligibility letter issued by the Social Security Administration (SSA).

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As an immigrant in the United States, you have likely been asked for proof of income to complete a procedure such as obtaining a loan, renting an apartment, or verifying financial solvency and ability to pay.

Such proof is a document that verifies the amount of your income as well as its source.

This time, we explain what proof of income is in the USA, what it is for, how to make an income letter if you are paid in cash, and everything you need to know to handle your procedures in the United States without complications.

What is proof of income?

Broadly speaking, proof of income is an official or informal verification of how much money a person earns and the sources from which that income comes.

This document is commonly used for both salaried employees and independent or freelance workers.

These are the most common types of documents used to verify income:

Pay stub:

This is an official document that serves as a payment receipt and is provided by the employer along with wages for the relevant pay period. It includes both parties’ details, base pay, hours worked, overtime (if applicable), and deductions for taxes.

Tax return:

The tax return is a document a person files annually with the Internal Revenue Service (IRS). It must include income earned, taxes withheld, deductions or credits, and the total tax due or refund.

Bank statements:

This is a report issued by a bank or financial institution detailing a customer’s transactions and balances in their bank account over a given period. It serves as an official document to corroborate a person’s solvency as well as other personal data.

What is proof of income used for in the U.S.?

Having proof of income is very useful for various procedures in the United States, as well as to access helpful benefits and simplify your life—for example, signing a lease, obtaining a loan, and completing relevant immigration procedures. Proof of income is essential in these processes because it gives the requesting party assurance.

Housing rental:

Landlords commonly request proof of income to sign a lease, as it helps ensure tenants can cover the monthly rent without delays.

Loan or certain credit card applications:

Banks and other financial institutions usually verify applicants’ income before approving credit, since this reduces the risk of nonpayment or delinquency.

Immigration or social security procedures:

Immigration procedures—such as obtaining permanent residence—and other social security benefits also require proof of income. This is a measure implemented by the U.S. government to ensure applicants will not become a public charge.

What can I use as proof of income?

Whether you have formal employment or are self-employed, there are several documents you can use as proof of income.

For employees with formal jobs

If you have a formal job, obtaining proof of income will be easier. As noted, you can present a pay stub, bank statement, or an employer letter.

For independent workers

If you are self-employed, verifying income may be a bit more challenging than for formal employees. In this case, you can present your annual tax return and bank statements.

If none of these options are available, you can draft an income letter, which should include the following information.

• Full name.

• Address.

• Social Security Number or ITIN.

• Description of independent economic activity.

• Average monthly income.

• Signed statement of truth.

• If possible, attach a bank statement.

How can I verify my income if I’m paid in cash?

If you receive your pay in cash, you can generate formal proof of income.

The first option is to create a signed income letter. You can also keep an income log in a spreadsheet. To make the process easier, it is advisable to seek support from an accountant.

How can you make an income-verification letter?

Fortunately, drafting an income-verification letter is not complicated, since it can be adapted to your work situation—even if you are paid in cash.

It is also a simple path for immigrants because it lets them use day-to-day documents.

Follow these steps to draft your income letter.

Step 1: Gather your documents

Any document that can help verify your income, even if it is not strictly a pay stub—such as a bank statement, fee receipts, invoices, etc.

Step 2: If you are self-employed, draft a self-employment income letter with basic data

Don’t forget to include your average income and signature.

Step 3: Verify that it includes your personal data and the income period you are declaring

It is very important to include your full name, address, and the dates that the declared income covers.

Step 4: If necessary, consult an accountant to make it more formal

An accountant will help you formalize your letter and gain better control of your personal finances and tax obligations.

Sample income letter

I, (full name), residing at (address), declare under penalty of perjury that I work as an independent contractor in the field of (description), with an average monthly income of (amount).

Copy this text and create your letter easily.

Use Común account statements as your proof of income

As you can see, proof of income is a formal document to verify a person’s income level as well as their ability to pay and financial solvency. You can use several documents for this purpose, such as a pay stub, annual tax return, and bank statement from traditional banks.

Común is the financial platform that can also help you record and organize your income, and generate account statements that can serve as valid proof in many situations.

It also offers a more accessible way to complete procedures through an easy-to-use mobile app available in Spanish, where you can quickly open an account using qualifying official identification from your country of origin.

Discover Común, a convenient financial option for those seeking simple and accessible solutions.

Frequently Asked Questions (FAQ)

If you still have questions, consult our FAQs.

What if I don’t have formal proof of income in the U.S.?

You can draft an income letter including your personal data, a description of your activity, average income, and signature.

Do proof-of-income documents from my country work in the U.S.?

Proof-of-income documents from your country can be accepted in the United States as long as they are official; in some cases, a certified translation may be required.

Which type of proof of income is most widely accepted?

The most widely accepted proof-of-income documents are pay stubs, tax returns, and bank statements.

What is a wire transfer? A complete guide for 2026

A wire transfer remains one of the most widely used methods for moving large amounts of money quickly through financial institutions. It is commonly used for urgent transactions, high-value payments, or international bank transfers that often involve additional verification procedures and transaction monitoring.

According to Federal Reserve Fedwire statistics, around 209.9 million wire transfers were processed in 2024, an 8.6% increase compared to the previous year.

What is a wire transfer?

A wire transfer is an electronic transfer of funds between financial institutions through secure financial networks. Wire transfers are commonly used for: sending large amounts of money, urgent domestic payments, international bank transfers, real estate transactions, business payments, emergency family transfers.

How long does a wire transfer take?

How much does a wire transfer cost in 2026?

Fees and exchange rate markups vary by bank, destination country, transfer amount, intermediary institutions, and payment method. Always review the total transfer cost before sending money internationally.

Advantages and disadvantages of wire transfers

Advantages:

• Speed for time-sensitive payments
• Higher transfer limits
• Secured financial infrastructure
• Useful for international banking

Disadvantages:

• Higher costs
• Transfers are difficult to reverse
• More banking information is required
• Longer processing for international transfers

Wire transfer vs. money transfer apps

FAQ

Can I make a wire transfer without a bank account?

In general, wire transfers require both parties to have bank accounts. For transfers without a bank account, consider alternatives like remittance apps.

Is a wire transfer safe?

Yes, wire transfers use regulated banking systems with transaction records and tracking. However, they are difficult to reverse if incorrect information is entered.

When should I use a wire transfer instead of an app?

Wire transfers make sense for high-value, urgent, or institution-required payments. For regular remittances to family, digital apps typically offer lower cost and more convenience.

Común is a financial technology company and not a bank. Banking services are provided by Community Federal Savings Bank, Member FDIC. Remittance service provided by Service UniTeller, Inc.

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The bank routing number, or ABA Routing Number, is essential information for making money transfers. It is a 9-digit code used to identify each financial institution in the United States.

This code is so important because it ensures that electronic transactions are carried out correctly and that funds reach the designated bank.

In this article, we offer a complete guide to help you understand what a bank routing number is, what it does, where to find it, and how it is used in everyday electronic financial transactions.

What is a bank routing number (ABA), and why is it essential in the U.S. banking system?

An ABA routing number, or transit routing number, is a unique 9-digit code that serves as an identifier for each financial institution in the United States.

It differs from a bank account number in that an account number is personal, valid for the use of a single user only. By contrast, the routing number is a unique identifier for banks, credit unions, and digital banks.

The primary function of the routing number is to allow financial institutions to precisely identify which bank to send to or receive from during routine operations such as direct deposit of payroll, automatic payments (ACH), and electronic transfers.

It is important to note that this code is different from a bank account number and is not equivalent to the IBAN (International Bank Account Number), which is a set of numbers used especially in Europe to identify international bank accounts and is composed of the country code, check digits (the checksum of the bank account number), and a bank account number.

In the United States, however, the SWIFT/BIC code is used for international money transfers, not the IBAN.

Here are some crucial functions of the bank routing number in digital transactions.

Unique bank identification

The bank routing number helps prevent errors when identifying a specific bank and processing a transfer from one institution to another, even when they have similar names or many branches across the country.

Facilitates electronic transfers

This code is also indispensable so that ACH systems and wire transfers can send funds to the correct destination, quickly and securely.

Key for direct deposits

The ABA number is also essential for employers to make direct deposits, using that code together with the checking account number, without the need for checks or cash.

Automated bill payments

To set up automated payments for services such as electricity, water, and online subscriptions, you must provide the bank routing number so the billing system can process the transaction automatically.

Handling funds between banks

This number is also indispensable for transactions involving multiple financial institutions, such as interbank transfers or check clearing.

How to find a bank routing code and your bank account number

By now, the importance of the ABA number is clear. But how do you find a bank routing code? Knowing this information is the first step to making transfers correctly.

Likewise, it is essential to understand how to find your bank account number and to tell one number from the other to avoid confusion.

The routing number consists of 9 digits and identifies the bank. The account number has usually 10 to 12 digits and identifies the individual account within the bank.

To find your account number, look at the bottom of a check; it is the series of numbers that follows the routing number. You can also find it at the top of a statement or directly in the mobile application.

It is essential to make sure you have the correct routing number before making a transfer. Therefore, it is advisable to confirm it directly with your financial institution to avoid errors.

Many users ask where to find the routing number on a physical debit card. However, the routing number is not printed on such instrument because it is intended for digital transfers, not for payments at physical merchants.

These are the most common places to find the routing number for your bank or financial institution.

On your checks

Check the lower left corner of your personal or business checks; the routing number is the 9 digits shown there.Another relevant detail is the check number, which is usually at the top.

Mobile application

Another way to find this code is to access your mobile application and go to the transfers or direct deposit information section.

Bank statements

Check your latest bank statement, whether physical or digital; the routing number may appear in a section of that document.

Direct contact with your bank

If you have any doubt about the routing number, you can contact your bank by phone or visit a branch so they can clarify any questions before you make a bank transfer.

Your routing number and account: Key tools for your finances in the U.S. with Comun

Throughout this article, we have learned the importance of both the bank routing number and the bank account number in the U.S. financial system. Both are indispensable for carrying out fast and secure digital transactions.

Being clear about what a bank’s ABA number is not only lets you carry out digital transactions with ease but also gives you financial autonomy to allocate your resources toward the services you need for your well-being.

The U.S. financial system can seem complicated, especially for immigrant communities. That is why Comun seeks to streamline processes and offer transactions without complications.

• Receive and send money easily from your mobile application
• Integrate other applications and enhance your experience
• Access support available in Spanish and English
• Send international remittances with fees starting at $2.99 USD, up to the applicable limits.
• Get started with official ID from your country

Open your account today and discover an ally to manage your finances in the United States.

Frequently Asked Questions

If you have more questions, check our frequently asked questions section.

Where can I find my routing number if I don’t have checks?

You can find it on your account statement or by calling the bank directly.

What is the routing number for ACH transfers?

It is the code that identifies each bank and consists of 9 digits.

Is the routing number the same for all banks?

No. Each bank has a different routing number.

What is the routing number on a card?

The routing number does not appear on physical cards.

What is the routing number on a check?

It is found at the bottom of a check and consists of 9 digits.

Father's Day in the United States and Latin America

When is Father's Day? In the United States, Father's Day in 2026 falls on June 21, the third Sunday of June. However, if your dad lives in Mexico, Guatemala, Honduras, or other countries across Latin America, his day might land on a completely different date. This guide provides an overview of Father's Day dates across the United States and Latin America so you can plan ahead and stay connected with family members abroad.

One holiday, many dates

Father's Day is an important occasion for many families across the continent. Yet, not every country celebrates Father's Day on the same fixed dates. In the US and most of Latin America, it falls on the third Sunday of June. However, Honduras celebrates it on March 19, Guatemala and El Salvador on June 17, and the Dominican Republic on the last Sunday of July.

If your family is spread across countries, it's easy to lose track. Here's a full breakdown so you have everything in one place.

When is Father's Day in each Latin American country and the US? (2026)

You can save this table and share it with your family group chat!

When's Father's Day in the United States?

In the US, Father's Day is celebrated on the third Sunday of June. In 2026, that's June 21.

The tradition dates back to the early 1900s, when Sonora Smart Dodd advocated to recognize fathers after being raised by a single dad. Over time, it became a national celebration of fatherhood and family.

Today, Father's Day in the US is a major occasion. Families gather for backyard barbecues, attend church services, catch a game together, or simply spend time at home. Restaurants fill up for Sunday brunch. Gift cards, tools, grilling accessories, and heartfelt cards dominate store shelves the week before.

For many immigrant families in the US, Father's Day can also carry some emotional weight. Many fathers are in the U.S. working thousands of miles away from their own fathers back home, building a future for their children. On an occasion like this, distance can feel heavy and a phone call becomes more than a call. For many families sending money back home becomes more than a transaction.

Father's Day in Mexico

Mexico celebrates on the same date as the US, the third Sunday of June; in 2026, the holiday falls on June 21. While it is not an official public holiday, it is widely celebrated.

In Mexico, Father's Day traditions are rooted in family. Mothers and children often wake up early to prepare a special breakfast, from chilaquiles, tamales to whatever papá loves the most. Schools hold events in the days leading up to it, where children make gifts and perform songs. The whole family tends to gather for a long lunch or dinner, and it's common for the celebration to include music, toasts, and storytelling that lasts well into the evening.

If your father is in Mexico and you're in the US, June 21 in 2026 is your shared moment. A video call during the family meal means you're at the table even when you can't be.

Father's Day in Central America

Father's Day dates vary throughout Central America.

Guatemala and El Salvador both celebrate on June 17. This is rare as it is a fixed date not tied to a Sunday. Families tend to celebrate in two ways: a smaller, symbolic recognition on June 17 itself (calls, gifts, meals), and a larger gathering on the nearest weekend if needed.

Nicaragua celebrates on June 23, also a fixed date. This year, it falls just two days after the US date, but those two days are important if you're planning to make a call or even a money transfer.

Honduras is an exception in the region, as Father's Day there is celebrated on March 19, the feast day of Saint Joseph. This Catholic tradition, also observed in Spain, Bolivia, and parts of Europe, associates fatherhood with the figure of Joseph as a protector and provider. If your father is in Honduras, it's worth keeping in mind that his day comes in the spring, not the summer.

Father's Day in South America

Colombia, Venezuela, Peru, Chile, and Argentina all celebrate Father's Day on the third Sunday of June. In 2026 that would be on June 21. In Colombia, it is treated as a major family occasion, often centered around a long Sunday lunch with live music. Venezuela and Peru follow similar traditions of home gatherings and special meals. Children participate by preparing performances, arts and crafts.

Ecuador is a slight variation: the celebration occurs on the second Sunday of June, which in 2026 falls on June 14, one week earlier than the US.

Father's Day in the Caribbean

The Dominican Republic is an exception in the region, celebrating on the last Sunday of July, which falls on July 26 in 2026. If your dad is from the Dominican Republic, it's important to remember that his special day is a full month after most of Latin America.

Gift ideas when your father is in another country

Distance doesn't change Father's Day, but it does change how you can show up. Not being there in person can feel difficult and sometimes you can struggle to find ways to show that you care. That can also feel like pressure, but what you do carries more intention, and that intention is what matters.

• Call him, but plan it. Don't just dial and hope he's free. Coordinate with family members so that when you call, he is available. Some people even plan to call during the special celebration, as people are gathered, the meal is on the table and your face on the screen is part of the festivities
• Send a voice message or video. A fun video showing him some parts of your life in the U.S. — your family, your city. A voice message with a special message that he can replay. These might feel like small efforts but when it comes from the heart and distance is involved they matter the most
• A treat for the party. Sometimes paying for the whole meal on Father's Day or the live music or even the decorations can show that even if you're far you can still get involved. To make sure you can contribute you can always send a remittance to your family members who are organizing the celebration
• Send money with meaning. While sending a remittance on Father's Day might feel familiar if you're supporting your family, the reality is that the context changes it. Choosing to send money on that specific day signals attention and care. It shows that you're present while you give your father the freedom to spend on what he needs or wants the most
• Make it specific. A new pair of shoes, the gadget he's been talking about for weeks or tickets to something he enjoys. To make sure he can experience it, you can transfer the money directly to him or a family member if he loves a surprise

How to send money to your dad for Father's Day?

There are many service providers for remittances and international transfers, the choice is between how it will reach him and what it will cost you. The right option depends on your priorities whether that's speed, cost fees, and how your dad actually receives money where he lives.

Digital remittance services

Companies like Remitly, MoneyGram, Wise and Común are becoming a more common way for people in the U.S. to send money abroad.

They often offer:

• Fast delivery options. Many transfers generally arrive the same day or within minutes, especially with debit card payments
• Flexible deliveries. You can send it to a bank account, mobile wallet, or cash pickup depending on the country
• Easy to use services. Sending a remittance from your phone without having to go to a location. Some apps are even built specifically for sending money internationally. For example, Común's app is available in Spanish

What to be mindful of?

• Costs. The costs can either be presented with a fixed fee and/or a markup within the exchange rate. It is important to understand the costs of the selected services
• Rates change constantly. Exchange rates are often changing and it's important to be considerate of those changes
• Some might not offer cash pickup options. Remitly, MoneyGram and Común offer cash options that can change depending on the country where the money is sent. For example, Común offers cash options at Elektra and Oxxo in Mexico

Traditional bank transfers

This means sending a wire from your U.S. bank directly to your dad's bank account.

These transfers often offer:

• Familiar banking infrastructure. Banks are regulated and familiar to many people
• Higher transfer limits. They tend to offer higher limits for transfers than other digital services

What to be mindful of?

• Costs. Fees for sending and receiving, as well as exchange rates can be less competitive than other service providers
• Slower timing. Some transfers may take several business days
• Limited flexibility. No cash pickup or alternative delivery methods

Cash pickup transfers

You can send money in person or online for cash pickup through services like Western Union or MoneyGram.

These may be useful for recipients who:

• Prefer cash. This is useful if your dad prefers cash or doesn't have a bank account
• Fast availability. Often available within minutes
• Wide accessibility. Some companies have large networks with locations available in many countries

What to be mindful of?

• Costs. Fees and exchange rates tend to be less favorable
• Less transparent pricing. Harder to compare total cost upfront
• Location considerations. Cash pickups rely on the locations being open and having sufficient cash on site

What to prioritize for a Father's Day remittance?

• If timing is what matters the most. It could be worth considering a service with same-day delivery or cash pickup
• If cost matters most. It is advisable to compare options, especially fixed fees and exchange rate markup within exchange rates
• If convenience matters most. It might be more important to choose the option that requires less effort for your dad on his special day

Frequently Asked Questions

When is Father's Day in the United States in 2026?

June 21, 2026.

When is Father's Day in Mexico in 2026?

June 21, 2026.

When is Father's Day in Colombia in 2026?

June 21, 2026, same as the U.S.

When is Father's Day in Guatemala and El Salvador?

Both countries celebrate on June 17, a fixed date each year. In 2026, that's a Wednesday.

When is Father's Day in Honduras?

Honduras celebrates on March 19 each year.

Why does Father's Day fall on different dates in different countries?

Two main traditions shaped the holiday globally. The U.S. model, established in the early 20th century, set the third Sunday of June. Catholic countries in Europe and Latin America often tied the celebration to March 19, the day of Saint Joseph, considered the earthly father of Jesus and protector of fathers and workers. Countries adopted one tradition or the other, or in some cases chose their own fixed date entirely.

When is Father's Day in the Dominican Republic?

The last Sunday of July. In 2026, that's July 26.

When is Father's Day in Ecuador?

The second Sunday of June. In 2026, that falls on June 14.

Can I send money to my dad for Father's Day?

Yes. There are many financial institutions and remittance service providers in the US that offer many different options such as wires to cash pickups.

Will my remittance arrive to my father the same day?

It depends on how you send it, when you send it, and how your dad receives it. Same-day delivery is possible from the U.S., but it's not automatic. Check with your chosen service provider to understand the times and if there are fees for faster delivery.

Being there, even from far away

No matter where your dad is, Father's Day is about showing up in a way that reaches him. The date might change from country to country, and the way you celebrate might look different from what you grew up with, but the intention carries across borders. When you know when the day is, you can plan ahead, and support the celebration from wherever you are. If sending money is part of how you show up, Común offers different delivery options for remittances to México, Guatemala, Honduras, El Salvador, Nicaragua, Costa Rica, Panamá, Colombia, Ecuador, Perú, Chile, Brasil, Argentina, Bolivia, Uruguay, Paraguay, and Dominican Republic. Don't let distance get in the way of building long lasting memories with your loved ones.

Remittance service provided by Service UniTeller, Inc. Service UniTeller, Inc. is licensed in all states that require one. Común Inc. may earn revenue from foreign currency conversion.

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¿Qué son las Aplicaciones de Transferencia de Persona a Persona?

Las aplicaciones de transferencia de persona a persona, comúnmente conocidas como aplicaciones P2P, son plataformas móviles que permiten a los usuarios enviar y recibir dinero electrónicamente sin necesidad de procedimientos bancarios tradicionales. Estas aplicaciones simplifican las transacciones financieras al conectar directamente a los usuarios a través de sus dispositivos móviles, permitiéndoles transferir fondos con solo unos pocos clics, incluyendo pagos de persona a persona para dividir cuentas, hacer pagos o transferir fondos entre dos partes con cuentas bancarias separadas. Los pagos entre pares se han convertido en una característica popular de las aplicaciones P2P, destacando su papel en la economía digital moderna.

Cómo Funcionan las Aplicaciones de Transferencia P2P

El proceso generalmente involucra varios pasos clave:

1. Configuración: Los usuarios descargan una aplicación P2P desde la tienda de aplicaciones, crean una cuenta y la vinculan a una cuenta bancaria o tarjeta de crédito/débito.
2. Transacción: Para enviar dinero, el remitente ingresa los detalles de contacto del destinatario y la cantidad a enviar. La aplicación luego transfiere la cantidad especificada de la cuenta del remitente a la cuenta del destinatario.
3. Recepción: Los destinatarios reciben una notificación de los fondos, que pueden mantener en la billetera de la aplicación o transferir a una cuenta bancaria.

Si quieres saber mas sobre algunos de los pasos te enseñamos aqui:

• Como Abrir una cuenta bancaria en Estados Unidos, paso a paso
• Como hacer transferencias internacionales
• Diferentes metodos de transferencia

Estas aplicaciones aprovechan tecnologías avanzadas:

• Tecnología de Pago Móvil: Esto incluye billeteras digitales seguras y sistemas de pago que facilitan las transacciones a través de redes móviles.
• Banca por Internet: La integración con sistemas de banca en línea permite débitos y créditos directos sin problemas hacia y desde cuentas bancarias.
• Cifrado y Seguridad: Garantizar la privacidad y seguridad de los datos es crucial, por lo tanto, se utiliza el cifrado de extremo a extremo para proteger las transacciones.

Evolución de los Pagos Digitales

El concepto de pagos digitales no es nuevo, pero ha evolucionado significativamente con los avances tecnológicos. El viaje comenzó con la introducción de la banca por internet, que luego se transformó en banca móvil, proporcionando una base para el desarrollo de plataformas de pago P2P dedicadas. Aquí hay algunos ejemplos de aplicaciones P2P populares que puede que ya conozca:

• PayPal: Conocida por sus características de seguridad robustas, PayPal se usa ampliamente a nivel internacional y se integra perfectamente con muchas plataformas de comercio electrónico.
• Venmo: Popular en los EE. UU., Venmo combina las redes sociales con las transacciones financieras, mostrando un feed de transacciones de usuarios entre amigos.
• Cash App: Ofrece una interfaz simple y características adicionales como depósito directo, opciones de inversión y comercio de Bitcoin.
• Zelle: Integrada en muchas aplicaciones bancarias importantes de EE. UU., Zelle facilita transferencias instantáneas sin necesidad de instalación de aplicaciones para los clientes bancarios.

Cada una de estas aplicaciones refleja las preferencias regionales y los marcos legales, que influyen en su funcionalidad y adopción. Comprender estas diferencias es crucial para los usuarios que operan en múltiples países o están considerando transacciones internacionales.

Tu mejor opcion como Latino en USA siempre sera Comun.

Banca diseñada para tu vida en USA

Abre tu cuenta bancaria¹ en 3 minutos con la ID de tu país²

• Sin comisiones por balances mínimos
• Recibe tu sueldo hasta 2 días antes³
• Manda dinero a tu país de manera segura
• ¡y mucho más!‍‍
  

Abre tu cuenta!

Guía para el Uso Seguro de las Aplicaciones de Pago de Persona a Persona

Las aplicaciones de pago de persona a persona (P2P) como PayPal, Venmo y Cash App simplifican las transacciones financieras, permitiendo a los usuarios transferir dinero, gestionar cuentas y proteger sus actividades financieras con facilidad. Ser consciente de las tarifas de tarjetas de crédito al usar estas aplicaciones puede garantizar transacciones rentables. Aquí hay una guía esencial para usar estas aplicaciones de manera efectiva, desde la configuración hasta la ejecución de transacciones, junto con consejos de seguridad.

Configuración y Uso de Aplicaciones de Pago P2P

1. Descargar e Instalar la Aplicación: Comience descargando la aplicación elegida desde la App Store o Google Play. Asegúrese de descargar la aplicación oficial verificando los detalles del desarrollador y leyendo reseñas de usuarios.
2. Creación de Cuenta: Abra la aplicación, elija crear una nueva cuenta y proporcione los detalles necesarios, como nombre, correo electrónico y número de teléfono. Use una contraseña fuerte y considere un gestor de contraseñas para mayor seguridad.
3. Vinculación de Cuentas Bancarias o Tarjetas: En la sección de billetera digital de la aplicación, añada su cuenta bancaria o tarjeta de crédito/débito. Este paso puede incluir un proceso de verificación a través de un enlace seguro a su banca en línea o una transacción de prueba.
4. Implementar Medidas de Seguridad: Active la autenticación de dos factores y características biométricas como el reconocimiento de huellas dactilares o facial para reforzar la seguridad de acceso.

Manejo de Transacciones en Aplicaciones P2P

1. Enviar Dinero: Use la función de pago de la aplicación para enviar dinero directamente a la cuenta de otro usuario dentro del mismo proveedor ingresando los detalles correctos del destinatario (número de teléfono, correo electrónico o nombre de usuario) y la cantidad. Esta función le permite transferir fondos a otros usuarios de manera fácil, asegurando un proceso de transacción sin problemas. Confirme todos los detalles antes de finalizar para evitar transacciones no autorizadas.
2. Recibir Dinero: Comparta los detalles asociados de la aplicación con el remitente. Los tiempos de finalización de las transacciones pueden variar según la política de la aplicación, lo que podría afectar cuándo los fondos están disponibles.
3. Financiación de su Billetera: Añada dinero a su saldo de la aplicación desde una cuenta vinculada, asegurándose de que la transferencia sea segura y desde la fuente correcta.
4. Retiro de Fondos: Transfiera dinero de la aplicación a su cuenta bancaria, comprendiendo que los tiempos de transferencia pueden variar desde instantáneos hasta varios días hábiles.

Garantizando la Seguridad y el Cumplimiento

• Esté atento a solicitudes de pago sospechosas o intentos de phishing. Los estafadores pueden imitar entidades legítimas, solicitando dinero o información. Informe cualquier actividad sospechosa al soporte de la aplicación y a las autoridades relevantes. Siempre verifique la información del destinatario para evitar errores o fraudes. Verifique solicitudes de pago inesperadas a través de comunicación directa para evitar estafas.
• Aspectos Legales y de Privacidad: Comprenda las regulaciones legales que rigen los pagos P2P, incluyendo el cumplimiento de leyes contra el fraude y el lavado de dinero. Esté al tanto de cómo las aplicaciones manejan sus datos, especialmente en lo que respecta a la configuración de privacidad y la compartición de datos con terceros.
• Manejo de Disputas y Pagos Internacionales: Familiarícese con el proceso de resolución de disputas de la aplicación. Las transacciones entre países están sujetas a leyes variadas que podrían afectar los parámetros de la transacción.

Al adherirse a estas pautas, los usuarios pueden gestionar efectivamente sus transacciones financieras a través de aplicaciones P2P, asegurando tanto la seguridad como la conveniencia. Siempre priorice la verificación de los detalles de la transacción y la identidad del destinatario para mantener la seguridad y evitar posibles pérdidas financieras.

Gestión Financiera: Una Guía para el Uso Eficiente

Las aplicaciones de pago de persona a persona han cambiado fundamentalmente el panorama de la gestión financiera personal. Estas aplicaciones de pago móvil se integran perfectamente en las estrategias de presupuesto personal, facilitando la transferencia de fondos mientras ofrecen ventajas significativas para la gestión efectiva de las finanzas. Las instituciones financieras juegan un papel crucial en la facilitación de pagos P2P, asegurando la protección de los fondos a través del seguro FDIC, que es vital para la seguridad y confianza de los usuarios en el ecosistema de tecnología financiera.

Integrando los Pagos P2P en el Presupuesto Personal

Las aplicaciones de pago P2P permiten a los usuarios establecer límites de gasto, lo que ayuda a mantener la disciplina financiera al limitar los gastos diarios o mensuales, una característica clave para aquellos comprometidos con un presupuesto estricto. Estas aplicaciones también proporcionan registros digitales instantáneos de todas las transacciones, permitiendo a los usuarios rastrear sus hábitos de gasto a lo largo del tiempo.

Este seguimiento en tiempo real supera a los métodos bancarios tradicionales, resultando invaluable para ajustes presupuestarios sobre la marcha. Además, muchas aplicaciones P2P vienen equipadas con herramientas de presupuesto integradas que categorizan los gastos, permitiendo a los usuarios ver su gasto en necesidades como comestibles, servicios públicos o salidas a comer.

Ventajas y Limitaciones de las Aplicaciones de Pago P2P

El uso de aplicaciones de pago P2P se caracteriza por la facilidad y rapidez, con transacciones que a menudo se completan en solo unos segundos. Las interfaces fáciles de usar de estas aplicaciones simplifican procesos como transferir dinero, pagar facturas o dividir gastos como cuentas de cena o alquiler de vivienda. Las características de seguridad robustas, como la autenticación de dos factores y multifactor, junto con métodos de autenticación biométrica como bloqueos de huellas dactilares, ayudan a proteger a los usuarios de transacciones no autorizadas y otros riesgos de seguridad. Además, cada transacción se registra y está fácilmente accesible, lo que simplifica la gestión de registros financieros para gastos personales o compartidos.

A pesar de sus numerosos beneficios, las aplicaciones de pago P2P tienen limitaciones. Las tarifas de transacción son una preocupación común, particularmente para transferencias instantáneas a cuentas bancarias o pagos realizados con tarjeta de crédito. Los usuarios también pueden encontrar límites de transferencia, que pueden ser restrictivos para aquellos que manejan sumas más grandes. Los riesgos de seguridad siguen siendo una amenaza persistente, especialmente si la seguridad del dispositivo se ve comprometida o si los usuarios caen en esquemas de phishing de estafadores.

Comprender estas ventajas y limitaciones es crucial para los usuarios que consideran integrar aplicaciones de pago P2P en sus prácticas de gestión financiera. Cuando se usan con conocimiento, estas aplicaciones pueden mejorar significativamente la conveniencia y eficiencia de las finanzas personales, permitiendo a los usuarios gestionar sus transacciones de manera segura y efectiva mientras navegan por las posibles trampas de los pagos digitales.

Adoptando las Aplicaciones de Persona a Persona

Las aplicaciones de pago de persona a persona (P2P) representan un avance significativo en la forma en que gestionamos y realizamos transacciones financieras. Al ofrecer una plataforma conveniente, rápida y fácil de usar, estas aplicaciones no solo han simplificado el proceso de enviar y recibir dinero, sino que también han incorporado mecanismos robustos para asegurar y optimizar la gestión financiera personal.

A medida que adoptamos estas tecnologías, es imperativo que los usuarios se mantengan informados sobre las complejidades operativas, posibles tarifas, medidas de seguridad y configuraciones de privacidad de sus aplicaciones P2P elegidas. Comprender estos aspectos garantiza que los usuarios puedan aprovechar la tecnología de manera responsable y a su máximo potencial, ya sea para transacciones diarias, gestión de presupuestos o manejo de operaciones financieras más grandes a través de fronteras.

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Cuando se trata de utilizar cajeros automáticos (ATMs), tu seguridad y la seguridad de tus transacciones financieras son primordiales. Un ATM es un dispositivo bancario electrónico que permite a los clientes completar transacciones básicas sin la necesidad de un representante de sucursal o cajero. Cualquier persona con una tarjeta bancaria puede usar un ATM para realizar acciones como retiros de efectivo, depósitos, transferencias de fondos entre cuentas o revisar información de la cuenta.
Los ATMs son convenientes, permitiendo el acceso a servicios bancarios 24/7. Están ubicados típicamente en diversos lugares públicos como bancos, centros comerciales, aeropuertos, tiendas de comestibles y otros lugares donde las personas puedan necesitar acceder a sus fondos. La mayoría de los ATMs requieren un número de identificación personal (PIN) para acceder a los servicios, proporcionando un método seguro para manejar las transacciones. La máquina dispensa efectivo y proporciona saldos actualizados de cuentas según se solicite, junto con otros servicios como pagos de facturas, depósitos de cheques o donaciones a caridad, dependiendo de las capacidades del ATM específico.

Comun - Banca diseñada para tu vida en USA

Abre tu cuenta bancaria¹ en 3 minutos con la ID de tu país²

Abre tu cuenta

Tu cuenta bancaria con tarjeta VISA¹ sin cobros absurdos

$0 cargo por apertura

$0 balance mínimo

$0 comisión mensual

Consejos para Usar un ATM de Manera Segura

‍Tomar decisiones informadas sobre dónde y cómo accedes a tu dinero puede disminuir significativamente los riesgos de robo y fraude. Esta lista de verificación está diseñada para ayudarte a navegar por los diversos aspectos del uso de ATM, desde seleccionar las ubicaciones más seguras hasta llevar a cabo transacciones y monitorear tus cuentas después.
Entender estos componentes críticos puede mejorar tu experiencia con el ATM, asegurando no solo la seguridad de tus actividades financieras, sino también tu seguridad personal. Sigue leyendo para aprender cómo elegir el ATM correcto, prepararte para tu visita y manejar tus transacciones con el máximo cuidado.

Elegir el ATM Correcto

La Ubicación Importa

‍Elegir una ubicación segura para acceder a un ATM reduce significativamente el riesgo de robo y fraude. Opta por máquinas ubicadas dentro de bancos o en centros comerciales concurridos donde es más probable que haya cámaras de seguridad. Estos lugares típicamente ofrecen un ambiente más seguro debido al constante tráfico de personas y vigilancia regular.

Visibilidad

‍Usar un ATM situado en un área visible y abierta puede disuadir a posibles ladrones. Los ATMs ocultos detrás de esquinas o estructuras son más propensos al sabotaje y pueden proporcionar a los criminales un lugar oculto para emboscar a los usuarios. La visibilidad actúa como un disuasivo natural contra el robo de identidad y una medida de protección.

Antes de Ir

Planifica Tu Visita

‍Programa tus visitas al ATM sabiamente. Utilizar ATMs durante las horas del día es más seguro, ya que la visibilidad es mejor y es probable que haya más personas alrededor. Planificar tus visitas durante las horas pico puede asegurar aún más tu seguridad.

Qué Llevar

‍Lleva solo los artículos esenciales contigo al ATM, esencialmente tu tarjeta de ATM y quizás un teléfono celular para emergencias. Evita llevar bolsas grandes o usar joyas costosas que podrían convertirte en un objetivo para los ladrones.

En el ATM

Se consiente de la situación

‍Siempre está alerta a tu entorno cuando te acercas y usas un ATM. Observa a personas sospechosas o a cualquiera que merodee cerca sin razón aparente. Si te sientes incómodo, confía en tus instintos y retírate o elige otra máquina.

Comprobación de Manipulación

‍Antes de insertar tu tarjeta, inspecciona el ATM en busca de signos de manipulación. Ten cuidado con ranuras para tarjetas sueltas, cámaras ocultas o cualquier característica inusual en la máquina. Estos podrían indicar dispositivos de copia de tarjetas u otras herramientas utilizadas para robar tu información de tarjeta.

Durante el Uso

Protegiendo Tu PIN

‍Cubre el teclado con tu mano o cuerpo mientras escribes tu número de identificación personal (PIN) para evitar que cámaras ocultas u observadores vean tus dígitos. Esta simple acción puede proteger tu cuenta bancaria de accesos no autorizados.

Manejo Discreto del Efectivo

‍Una vez que tu transacción en el ATM esté completa, recolecta rápidamente tu dinero, tarjeta y cualquier recibo, y asegúralos antes de alejarte de la máquina. Evita contar el efectivo en la máquina; en cambio, hazlo en un lugar seguro.

Después de Usar

Monitorea Tu Cuenta

‍Revisa regularmente tus estados de cuenta bancarios, recibos e historial de transacciones en busca de discrepancias o transacciones no autorizadas. Configura alertas con tu banco para recibir notificaciones de transacciones significativas, lo que puede ayudarte a actuar rápidamente en caso de fraude.

Respondiendo a Problemas

‍Si notas cualquier irregularidad o sospechas que un ATM ha sido manipulado, contacta a tu institución financiera inmediatamente para reportar el problema y proteger tus fondos.

Situaciones Especiales: Trucos que Garantizan tu Seguridad

Usar un ATM o tus tarjetas bancarias en un país extranjero requiere una vigilancia extra debido a entornos desconocidos y posiblemente diferentes tipos de riesgos de fraude. Aquí hay 10 trucos para ayudar a asegurar el uso de tu ATM y las transacciones con tarjeta de débito en el extranjero:

1. Informa a Tu Banco: Antes de viajar, informa a tu banco tu destino y las fechas de viaje. Esto puede prevenir que tus transacciones sean marcadas como sospechosas y que tu tarjeta sea bloqueada por presunta actividad fraudulenta.
2. Usa ATMs Seguros: Preferiblemente usa ATMs ubicados en o dentro de bancos. Estos suelen ser más seguros, están mejor mantenidos y son menos propensos a tener dispositivos de clonación instalados. Evita los ATMs en lugares aislados o áreas que parezcan inseguras. Estas máquinas pueden ser más propensas a manipulaciones.
3. Limita el Uso Durante Horas Seguras: Donde sea posible, usa ATMs durante las horas del día para aumentar la seguridad, especialmente en lugares con alto tráfico de personas.
4. Revisa si Hay Manipulaciones: Antes de usar un ATM, verifica si hay dispositivos inusuales adjuntos a la ranura de la tarjeta, el teclado o las áreas circundantes. Ten cuidado con cualquier signo de manipulación como componentes sueltos o residuos pegajosos.
5. Internet Seguro para Banca: Cuando accedas a tu cuenta bancaria en línea mientras viajas, utiliza una conexión a internet segura y privada. Evita el Wi-Fi público para transacciones financieras sin usar una VPN.
6. Gestiona Tus Límites de Retiro: Considera bajar temporalmente tu límite diario de retiro para minimizar posibles pérdidas en caso de robo o clonación de tarjeta.
7. Usa Tarjetas de Crédito Cuando Sea Posible: Usa tarjetas de crédito en lugar de tarjetas de débito cuando sea posible. Las tarjetas de crédito a menudo ofrecen mejor protección contra fraudes y limitan tu responsabilidad en caso de transacciones no autorizadas.
8. Monitorea Tus Cuentas Regularmente: Mantén un control estricto de tus estados de cuenta y alertas de transacción mientras viajas para detectar rápidamente cualquier actividad no autorizada o sospechosa.
9. Lleva una Tarjeta de Respaldo: Ten una tarjeta adicional almacenada por separado de tu billetera para emergencias, lo que puede ser un salvavidas si tu tarjeta principal se pierde, es robada o está comprometida.
10. Entiende la Moneda Local y las Tarifas: Familiarízate con la moneda local para evitar confusiones al retirar dinero y ten en cuenta las tarifas de transacciones internacionales y cargos por retiro. Optar por menos retiros de mayores cantidades a menudo puede ser más económico que múltiples transacciones pequeñas.

Al usar ATMs o tarjetas bancarias en países extranjeros, la importancia de mantenerse vigilante no puede ser exagerada. Los desafíos únicos que plantean los entornos desconocidos y los diversos riesgos de fraude requieren un enfoque proactivo para salvaguardar tu seguridad financiera. Al informar a tu banco sobre tus planes de viaje, elegir ubicaciones seguras de ATM y ser consciente del momento y la manera en que retiras efectivo o accedes a tus fondos, puedes reducir significativamente las amenazas potenciales. Monitorear regularmente tu cuenta, usar conexiones a internet seguras para la banca en línea y entender la moneda local y las estructuras de tarifas son todas medidas críticas que mejoran tu seguridad financiera en el extranjero. Siempre lleva una tarjeta de respaldo y gestiona tus límites de retiro para mitigar aún más los riesgos. Implementando estas estrategias, puedes asegurarte de que tus transacciones financieras en el extranjero no solo sean convenientes, sino también seguras. Mantente preparado e informado para disfrutar de una experiencia de viaje sin problemas mientras mantienes protegidas tus finanzas.
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ITIN vs SSN: What's the difference and why does it matter?

If you are authorized to work in the United States, you need a Social Security Number (SSN). If you are not eligible for an SSN but still need to file taxes or access certain financial services, you may need an Individual Taxpayer Identification Number (ITIN).

If you recently moved to the United States, you have probably heard the terms 'ITIN' and 'SSN' many times already. They often come up when opening a bank account, filing taxes, applying for work, or trying to build credit.

Understanding the ITIN vs SSN difference matters because each number serves a different purpose in the US financial and tax system.

What is an SSN?

A Social Security Number (SSN) is a nine-digit identification number issued by the Social Security Administration. It is primarily used to track earnings, taxes, and eligibility for certain federal benefits.

SSNs are generally issued to:

• US citizens
• Permanent residents
• Certain noncitizens authorized to work in the US (for example: people with work visas, some asylum applicants or refugees)

An SSN is required for legal employment, payroll reporting, and access to some government programs.

What is an ITIN?

An Individual Taxpayer Identification Number (ITIN) is a tax processing number issued by the Internal Revenue Service, known as the IRS. ITINs are designed for people who are not eligible for an SSN but still have US tax filing obligations or need access to certain financial services.

An ITIN can be used by:

• Immigrants without SSN eligibility
• Dependents or spouses of US residents or visa holders
• International students or temporary visa holders in certain situations
• Individuals required to file US taxes

It is important to note that an ITIN does not authorize someone to work in the United States.

ITIN vs SSN Comparison Table

Which one do I need?

You need an SSN if:

• You are a US citizen
• You are a permanent resident
• You are legally authorized to work in the United States
• Your employer requires it for payroll and tax reporting

You may need an ITIN if:

• You are not eligible for an SSN
• You still need to file taxes in the United States
• You want to access and open financial accounts
• You want to begin building a financial history

Many recent immigrants apply first for an ITIN while they are still navigating the US financial system or while they're waiting for changes in their work authorization status.

Can I have both an ITIN and an SSN?

Yes, in some situations a person may have both at different stages of their life. For example, someone may initially receive an ITIN because they are not eligible for an SSN at the time. Later, if they become eligible for work authorization or permanent residency, they may receive an SSN. When this happens, the SSN becomes the primary identification number used for taxes and financial reporting.

What can I do with each?

An SSN can be used to:

• Work legally in the United States
• Receive wages through payroll systems
• File taxes
• Access certain federal benefits if eligible
• Open debit card and checking accounts
• Apply for loans and credit products
• Build credit history

An ITIN can be used to:

• File taxes with the IRS
• Open debit card and checking accounts at institutions that accept ITINs
• Build credit with lenders that report ITIN activity
• Establish financial history in the US

Can you work with an ITIN?

An ITIN itself does not authorize employment in the United States. It is primarily a tax identification number used for IRS reporting purposes.

Does an ITIN build credit?

An ITIN may help some people begin building credit history in the United States. Certain banks, lenders, and financial platforms report account activity linked to ITINs to credit bureaus. Policies vary by institution.

How can I apply for an ITIN?

Applying for an ITIN generally involves submitting:

• A completed IRS Form W-7
• A valid federal tax return (unless you qualify for an exception)
• Proof of identity and foreign status

The IRS may request original documents or certified copies depending on the situation. Processing times may vary.

How can I apply for my ITIN with Común?

If you need or want help with the application process, Común offers ITIN application support for $199 with a money-back guarantee if the application is not approved. Visit comun.app/itin to learn more.

Requirements to apply for an ITIN with Común:

• You must live in the U.S.
• You must have a valid passport with an expiration date more than 6 months from the date of your application
• You will need to file your taxes to apply for an ITIN

The process:

• We recommend you open a debit account with Común from your mobile phone
• Complete the application form at comun.app/itin and submit your payment
• Upload a scan of your passport
• If you choose to file your taxes along with your ITIN application, upload documentation of your income from the previous tax year
• Común's agents will contact you via email if they have any questions
• Print, sign, and submit your completed official ITIN application (Form W-7)
• Común's agents will submit your application to the IRS

The application process does not consider your immigration status, and your status will not be reported to any government immigration authority.

Open your Común Account

A debit account can be a great first step to building your financial future in the United States. Común allows customers to open a debit account using ITIN, passport, country-of-origin ID, or more than 100 accepted Latin American valid IDs. You can open your Común account from your phone. The app is available in Spanish. Visit comun.app to learn more.

FAQ

What is the difference between ITIN and SSN?

An SSN is issued by the Social Security Administration primarily for employment, taxes, and federal benefits eligibility. An ITIN is issued by the IRS for people who are not eligible for an SSN but still need to file taxes or access certain financial services.

Can I have both ITIN and SSN at the same time?

In some situations, yes. A person may first receive an ITIN and later become eligible for an SSN. Once an SSN is assigned, it generally becomes the primary number used for taxes and financial reporting purposes.

Can I work legally in the US with an ITIN?

An ITIN alone does not authorize employment in the United States. It is primarily used for tax identification and reporting purposes through the IRS.

Do I need an SSN to open an account?

Not always. Some financial institutions, including Común, allow customers to open debit accounts using an ITIN, passport, or other forms of identification.

How do I apply for an ITIN?

Applying for an ITIN generally requires completed IRS Form W-7, identity documentation, and a filed federal tax return. The IRS may also request certified supporting documents.

How long does the ITIN application take?

Processing times can vary depending on the time of year and the completeness of the application. In many cases, ITIN applications may take several weeks to process after submission to the IRS.

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What is a certified check and how does it work?

Certified checks are a common form of payment for thousands of immigrants living in the United States, especially for major purchases such as rent payments, buying a car, and legal settlements.

However, it is not always clear why the certification process matters and how it differs from other types of checks.

A certified check is a physical payment order that has been reviewed in advance by a financial institution to ensure there are sufficient funds in the issuer’s bank account. This is the fundamental reason it’s considered a safer form of payment than a personal check.

Below, we explain in detail what a certified check is, how it works, and why it’s important to understand the differences from other types of checks.

What is a certified check?

A certified check is a type of check with guaranteed funds, since the issuing bank has verified the money exists in the checking or personal account.

This makes it a safer form of payment than personal checks, because the bank sets aside the amount to be paid so it can be collected by the payee.

How is a certified check issued?

Issuing a certified check is a straightforward process you can complete directly at the financial institution of your choice.

• The customer requests the check

The account holder must go to a bank and request a certified check, specifying the payee and the amount.

• Customer identification

You must present an official ID to verify that you are the holder of the savings or checking account from which the funds will be drawn.

• The bank freezes the amount in the account

The bank then certifies there are sufficient funds to cover the check and freezes them to ensure the payee can cash it.

• Signature certification

You must sign the check before finishing the process so the bank can confirm the signature matches the one on file.

Affixing the certification stamp

Finally, once the bank has verified the funds and the signature, it places a certification stamp to document completion of the process.

Differences between a certified check and a cashier’s check

A cashier’s check is another way to make secure payments using a physical instrument. In this case, the bank branch issues the check after receiving the customer’s payment, so the funds come from the bank itself.

Below is a comparison between a cashier’s check and a certified check.

Cashier’s check

Certified check

Security

High; the bank verifies sufficient funds and places a hold for the payee.

Very high; the check is backed by the bank and does not depend on the issuer’s account.

Cost

At some banks they have no cost at others up to approximately $15.

Depends on the bank; typically $10–$20.

Issuance time

At the branch, after funds are verified.

Immediate.

When is a certified check typically required?

A certified check is commonly used for significant transactions or large amounts. This gives the recipient assurance that funds are available.

• Paying an apartment security deposit.

When finalizing a lease or purchasing an apartment, the landlord or agent may request payment via certified check to guarantee funds.

• Buying a used car.

Whether dealing directly with owners or dealerships, a certified check can be a suitable option because of the security it provides.

• Closing an important contract or legal settlement.

For example, to pay fees, settlements, or indemnities, certified checks provide security for both parties.

• For tuition or school fees.

Some educational institutions accept certified checks as a form of payment, especially for international or first-time payments.

Do you know what to do if a check is stolen or lost? We explain it here!

Practical tips for using certified checks safely

While certified checks are among the safest payment methods due to the bank’s verification process, there are still fraud attempts using forged documents.

With this in mind, keep these tips in mind to avoid becoming a victim of check fraud.

How to know if a check has funds and avoid scams

• Verify with the issuing bank. 

Call the bank directly and provide the check number, account holder, and amount; ask them to confirm authenticity and that funds are guaranteed. Make sure you call the bank’s official number, not the one printed on the check.

• Be alert if you receive an overpayment check. 

A common scam is sending a check for more than the amount due and asking for the difference in cash. Confirm the check’s validity with the bank before proceeding.

• Wait for the check to clear before handing over any goods. 

Clearing can take 3–10 days. Make sure the funds have fully settled and are not just on hold.

• Avoid accepting checks from unknown parties. 

Whenever possible, accept checks only from people you trust. If you must take a check, follow the security measures above.

Manage your money securely with Común

In this article we explained what a certified check is, how it’s issued, how it differs from cashier’s checks, and how to use this payment method safely.

While certified checks can be a good payment option, a checking account in the U.S. is a much more secure and practical way to manage money.

Meet Común, your financial ally in the United States!

Send, receive, and cash money within and outside the United States. Our platform lets you move your money easily, quickly, and securely. You need a qualifying official ID from your country of origin to get started.

Open your account with Común today and discover a financial platform tailored to you.

Frequently Asked Questions (FAQ)

Where can I get a certified check in the United States?

You can request certified checks at financial institutions such as banks, credit unions, and some digital banks.

How much does it cost to get a certified check at the bank?

The cost depends on the bank but is typically between $10 and $15.

What other types of checks exist in the U.S. besides certified checks?

Other types of checks in the United States include: Money order; Personal check; Cashier’s check.

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

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

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

What Is Zelle?

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

What are the benefits of Zelle?

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

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

Why does bank support matter?

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

Zelle supported banks list

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

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

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

How to enroll in Zelle with your bank?

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

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

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

Is Zelle Safe? Common scams to avoid

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

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

Common Zelle Scams in 2026:

Fake bank fraud alerts:

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

Impersonation scams:

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

Marketplace scams:

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

Overpayment scams:

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

How to stay safe:

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

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

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

Venmo and Cash App

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

Wise

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

Común

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

FAQ

Does Zelle charge fees?

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

What if my bank doesn't use Zelle?

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

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

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

Can I send money internationally with Zelle?

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

What happens if I send money to the wrong person?

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

Access Matters When Choosing a Bank for Zelle

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

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Unmatched Ease of Opening an Account

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.

Mobile Deposit Options

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.

International Remittances

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.

Advance Salary Access

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.

Robust Security and Customer Support

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.

Commitment to Zero Fees and Upward Mobility

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.

Customized Features and Benefits

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.

Conclusion

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.

Foundational Moment: Did you know?

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.