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Living in the United States
Back to School in the U.S.: A Guide for Immigrant Families
Starting a new school year in the U.S. means enrollment paperwork, supply lists, and new expenses — and it can look very different from school systems in Mexico, Colombia, Guatemala, El Salvador, or Honduras. This guide covers what to expect and how to prepare with confidence.
8 min read
Olivia Rhye
20 Jan 2024
Starting a new school year in the United States can involve several administrative and financial tasks. Enrollment requirements, school supply lists, transportation arrangements, meal programs, and extracurricular activities can vary between districts and schools.
For many immigrant families, the process may also involve adapting to a school system that works differently from those in Mexico, Colombia, Guatemala, El Salvador, Honduras, and other countries. Understanding how schools operate, what documents are typically required, and how to prepare financially can make the transition smoother.
This guide explains what to expect during the back to school season in the U.S., how school enrollment works, what supplies children may need, and how to prepare for the school year with confidence.
When does the school year start in the U.S.?
Unlike some countries that follow a national academic calendar, school start dates in the United States are generally determined by states, school districts, and local education authorities.
Most public schools begin classes between early August and early September.
The table below shows common start periods for several major states during the 2026 school year.
| State | Typical 2026 school start period |
|---|---|
| Alabama | Early August |
| Alaska | Mid-August |
| Arizona | Late July to early August |
| Arkansas | Mid-August |
| California | Early to mid-August |
| Colorado | Mid-August |
| Connecticut | Late August to early September |
| Delaware | Early September |
| Florida | Early to mid-August |
| Georgia | Early August |
| Hawaii | Early August |
| Idaho | Late August |
| Illinois | Late August |
| Indiana | Early to mid-August |
| Iowa | Late August |
| Kansas | Mid-August |
| Kentucky | Early to mid-August |
| Louisiana | Early August |
| Maine | Early September |
| Maryland | Early August |
| Massachusetts | Late August to early September |
| Michigan | Early September |
| Minnesota | Early September |
| Mississippi | Early August |
| Missouri | Late August |
| Montana | Early September |
| Nebraska | Mid-August |
| Nevada | Early August |
| New Hampshire | Early September |
| New Jersey | Early September |
| New Mexico | Early August |
| New York | Early September |
| North Carolina | Late August |
| North Dakota | Late August |
| Ohio | Late August |
| Oklahoma | Mid-August |
| Oregon | Early September |
| Pennsylvania | Late August |
| Rhode Island | Early September |
| South Carolina | Late August |
| South Dakota | Mid-August |
| Tennessee | Early to Mid-August |
| Texas | Early to mid-August |
| Utah | Mid-August |
| Vermont | Early September |
| Virginia | Mid to late August |
| Washington | Early September |
| West Virginia | Late August |
| Wisconsin | Early September |
| Wyoming | Late August |
Source: https://us-school-calendar.com/first-day-of-school-2026
The school year generally runs from August or September through May or June. Winter break, spring break, teacher workdays, and holidays are scheduled throughout the year.
Because school calendars can differ even within the same city, families should always verify dates directly with the local school district.
What differentiates the U.S. school system from those in Latin America?
One of the most noticeable differences is the strong role of local school districts. Curriculum decisions, school calendars, transportation policies, and enrollment procedures can vary from one district to another.
Schools are generally organized into:
- Elementary school
- Middle school or junior high school
- High school
Grade levels may differ slightly depending on the district.
Another difference involves parental communication. Schools frequently use online portals, email notifications, text messages, and mobile applications to share grades, attendance records, schedules, and announcements.
Parents may also encounter:
- Parent-teacher conferences
- School volunteer opportunities
- Individual learning plans
- English language support services
- After-school activities and sports programs
Students who arrive from another country may qualify for English learner services designed to support language development while continuing their academic education.
How to enroll your children: documents and process
Most public schools ask families to provide documents during enrollment that are typically used to confirm a child's age, home address, vaccination history, and prior education.
Commonly requested documents include:
- Birth certificate
- Passport
- Proof of address
- Immunization records
- Previous school records or transcripts when available
- Parent or guardian identification
Enrollment can be completed online, in person, or through a district enrollment center.
One of the most important facts for immigrant families to understand is that children have a constitutional right to attend public elementary and secondary schools regardless of their immigration status. This protection comes from the U.S. Supreme Court decision in Plyler v. Doe
As a result, public schools generally cannot deny enrollment solely because a child or parent lacks immigration documentation.
School districts may still request documents that establish residency within the district and verify a child's age, but immigration status is not a requirement for access to public education.
Families who recently arrived in the United States and do not yet have all prior school records should contact the district directly. Many schools have procedures for assisting students during the enrollment process while records are being obtained.
The U.S. school supply list: what to expect and how to optimize spending
School supply requirements in the United States are often determined by individual schools or teachers rather than a national standard. In addition to notebooks and pencils, families may be asked to provide classroom supplies such as tissues, disinfecting wipes, folders, headphones, calculators, or art materials depending on the grade level. Unlike some countries like Mexico's Becas Benito Juárez, children in the U.S. do not receive cash stipends for school supplies.
Teachers often publish detailed lists before the school year begins. Depending on the grade level, families may be asked to purchase:
- Notebooks
- Folders
- Pencils and pens
- Colored pencils
- Markers
- Glue sticks
- Scissors
- Tissues
- Hand sanitizer
- Backpacks
- Calculators
- Headphones or earbuds
Some classrooms also request community supplies that are shared among students.
When it comes to school supplies, the costs can add up quickly. However there are some strategies that may help reduce expenses:
- Compare prices across multiple retailers
- Purchase supplies gradually during summer sales
- Reuse items that remain in good condition from the previous year
- Check whether local organizations distribute supplies at no cost
- Review teacher lists carefully before making purchases
Some teachers provide additional guidance during the first weeks of school.
How to budget for back to school as an immigrant family
The total cost of a school year is often easier to manage when families plan for it as an ongoing expense rather than isolated expenses. A budget that covers the entire academic year can help reduce unexpected financial pressure.
When preparing a back to school budget, families may also need to consider:
- Transportation
- School meals
- Uniforms when required
- Sports participation fees
- Extracurricular activities
- Technology expenses
- Field trips
- Childcare before or after school
Creating a seasonal budget can make these expenses easier to manage. A useful approach can be to divide costs into three main categories:
Enrollment expenses
These may include uniforms, school supplies, and transportation arrangements before classes begin.
Monthly school expenses
Lunch money, transportation, activity fees, and classroom contributions that continue throughout the year.
Unexpected expenses
Field trips, special projects, replacement supplies, and school events can appear with limited notice.
Considering those three categories can help families avoid relying on emergency funds during the school year. However, it is always important to consider your context and plan according to your own needs.
School support programs for immigrant families
Accessing available school support programs can help reduce some of the challenges families face during the academic year. School districts frequently partner with local organizations to provide services that support student success both inside and outside the classroom. These resources can help families navigate academic, language, and financial barriers that may arise during the school year.
Available resources vary by location but may include:
School meal programs
Eligible students may qualify for breakfast and lunch programs offered through their school district.
English learning services
Students developing English skills may receive language instruction and academic support.
After-school programs
Schools, community centers, and nonprofit organizations often provide academic enrichment and recreational activities.
School supply assistance
Some districts, churches, and community organizations distribute backpacks and school supplies before the academic year begins.
Family resource centers
Certain districts maintain offices that help families access educational resources, translation services, and community support programs.
These programs are designed to help students participate fully in school regardless of their family's circumstances. Checking what is available locally can help families take advantage of resources that support learning, nutrition, and school involvement.
How Común helps you manage school year expenses
Back-to-school season can involve a wide range of financial responsibilities. School supplies, transportation costs, lunch expenses, extracurricular activities, and classroom contributions can create recurring expenses throughout the year.
For families who also support relatives abroad, the back-to-school season may extend beyond the United States. Some immigrants may contribute to support the educational expenses for children back home.
Común offers remittance services that allow eligible customers to send money to Latin America directly through the app, with fees starting at $2.99.
For everyday financial management, eligible customers can open an account using an ITIN, a passport, or more than 100 accepted Latin American IDs. Común also offers features that can help families manage school-year spending, including direct deposit, debit card access, and customer support in Spanish through the app with no mínimum balance requirements or monthly maintenance fees.
For group expenses such as field trips, classroom activities, sports teams, or shared school purchases, ComunPay can help parents collect and send payments directly from the app.
This school year, organizing expenses in one place can make it easier to track spending, support family members, and prepare for school-related costs throughout the year.
FAQ
Do I need immigration documents to enroll my children in school?
Public schools cannot deny enrollment solely because of a child's or parent's immigration status. School districts commonly request proof of age, residency, and immunization records, but immigration documentation is generally not required for enrollment.
When does the school year start in the U.S.?
Most schools begin classes between early August and early September. Exact dates vary by state, district, and school system.
Are school supply lists longer in the U.S. than in Latin America?
It depends. Teachers often provide detailed lists that may include classroom supplies, technology accessories, and shared materials used throughout the school year.
What vaccinations do my children need to enter school in the U.S.?
Vaccination requirements vary by state and school district. Schools typically provide a list of required immunizations during enrollment, and additional guidance may be available through local health departments.
How can I help my children with the language if they don't speak English when they arrive?
Many public schools offer English learning programs that provide language support while students continue learning grade-level subjects. Additional tutoring and community programs may also be available locally.
Are there financial aid programs for school supplies for low-income families?
Some school districts, nonprofit organizations, religious institutions, and community groups distribute school supplies or provide financial assistance before the academic year begins. Availability depends on the location and program requirements.
Living in the United States
5 Apps to Earn Money Fast in the United States
8 min read
April 17, 2023
Are you looking for ways to make extra money from the comfort of your home or during your free time? Thanks to technology, it is now possible with just a mobile phone and an internet connection. In this article, we present five apps that will let you earn money quickly and easily.
You can earn money from your phone in the U.S. with paid surveys (Eureka Surveys, Google Opinion Rewards), freelance work (Fiverr), selling used items (Mercari), or driving for Uber or Lyft. With Común, you can receive all of those payments in an account without SSN, without monthly fees, and in Spanish.
Eureka Surveys or Survey Pop:
1. Eureka Surveys is a platform that lets you earn money by answering surveys in minutes on your own schedule. You will accumulate points that you can redeem for gift cards or cash through PayPal.
Google Opinion Rewards:
2. Google Opinion Rewards is an app created by Google that lets you earn money by answering short surveys. For each completed survey, you will receive a reward redeemable in Google Play.
Fiverr:
3. Fiverr is a freelance services platform where you can offer your skills and knowledge in exchange for money. You can find jobs in design, writing, digital marketing, programming, and more. Remember to connect your Común account to Fiverr.
Mercari:
4. Mercari is a buying and selling app where you can sell new or used items. The app keeps a small commission for each sale made.
Uber or Lyft:
5. If you have a car and free time, you can take advantage of transportation apps like Uber or Lyft to earn extra money as a driver.
Making money quickly is easier than it seems thanks to these apps. Remember that with Común you get a free checking account and a VISA debit card with access to more than 57,000 ATMs.
Living in the United States
How to Save on Groceries: 10 Tips for 2026
8 min read
April 17, 2023
The impact of inflation on our food budget is no joke. Rising food prices make us look for more affordable alternatives. Discover how to save on food with these 10 tips to spend less at supermarkets and restaurants.
Set a supermarket budget:
- Set a limit for your supermarket purchases and look for deals before entering the store. Plan your meals and snacks based on the week's discounts. Try generic brands to save even more.
Be aware of sales tactics:
- Avoid marketing strategies that make you spend more. Do not shop when you are bored, tired, or hungry. Stay focused and stick to your shopping list.
- These are some of the aggressive tactics supermarkets use:
- Minimum purchases to receive a discount. Supermarkets advertise a cheap price when you buy a minimum quantity of a product. Sometimes it is two, three, or five. Many times the store honors the price if you buy individually. This is sorted out at the register.
- Anchoring. This happens when the sale price is strategically placed next to the regular price, making you feel like you are getting a bargain.
- Placing impulse buys at the end of each aisle and at checkout. You may add something to your cart that you do not need.
- Loss leaders. These are items advertised at very low prices. While you may get a deal on the sale item, the intention is for you to enter the store and buy more items at regular prices.
- These are some of the aggressive tactics supermarkets use:
Use coupons:
- Take advantage of apps and browser extensions to find coupons and discounts on your purchases, such as Honey, Dosh, or Ibotta.
Buy only essentials in bulk:
- Buy in large quantities only non-perishable and regularly used products, such as toilet paper or diapers.
Check the discount shelf offers:
- Look for discounted products in the meat and produce sections, as well as on your local supermarket's clearance shelves.
Check your pantry:
- Before going to the supermarket, check what you have at home and create dishes with those ingredients. Use apps like Kiwilimon to find recipes.
Use food-saving apps:
- Apps like Too Good to Go let you buy surplus food at reduced prices. Misfit Markets, Imperfect Foods, and GrubMarket offer food with cosmetic imperfections or surplus at lower prices.
Avoid food delivery apps such as Grubhub, Doordash, and Uber Eats because they charge many fees and inflate dish prices for delivery.
Eat out during lunch hour or happy hour:
- Take advantage of deals and special menus at bars and restaurants during these hours to save money.
Reduce how often you eat out:
- Limit your visits to restaurants and fast food, and focus on preparing meals at home. Meal planning can help you save money and eat healthier.
Space out your supermarket visits and choose just one store:
- Wait until you have used up most of your food before going to the supermarket, and choose a single store to avoid extra transportation expenses.
Remember that with Común, you can take full control of your finances and manage your money from your app. Común offers a checking account with more than 57,000 ATMs around the United States. At no cost. Saving you money is what we do best.
Saving on food is possible by following these 10 practical tips. Setting a budget, taking advantage of deals, and reducing how often you eat out will help you spend less at supermarkets and restaurants without sacrificing the quality of your food. Start saving today!
Community
What You Need to Open an Account at Comun¹ 5
8 min read
Olivia Rhye
June 4, 2025
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.
Community
What You Need to Open an Account at Comun¹ 4
8 min read
Olivia Rhye
June 4, 2025
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.
Community
What You Need to Open an Account at Comun¹ 3
8 min read
Olivia Rhye
June 4, 2025
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.
Community
What You Need to Open an Account at Comun¹ 2
8 min read
Olivia Rhye
June 4, 2025
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.
Community
What You Need to Open an Account at Común¹
8 min read
Olivia Rhye
June 4, 2025
Unmatched Ease of Opening an Account
Opening a checking account with Común 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, Común 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 Común's mission of fostering financial stability and growth.
Mobile Deposit Options
Común: Común 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 Común'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
Común: Común 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. Común's streamlined and cost-effective service effectively meets these modern demands.
Advance Salary Access
Común: Común 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 Común'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, Común'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, Común 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 Común is uniquely positioned to offer.
Robust Security and Customer Support
Security and customer support are paramount at Común. With FDIC-insured accounts and Visa protection on virtual Visa debit card transactions, Común customers can manage their funds with confidence. Innovative security features such as biometric logins and instant transaction notifications keep your money safe. In addition, Común 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
Común 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. Común 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
Común 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
Común 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, Común 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, Común offers a reliable, inclusive and efficient banking solution.
Foundational Moment: Did you know?
Founded by entrepreneurs Mark Selcow and Andres Santos in New York, Común 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.
Financial Education
How To Register Your Business As An Immigrant
8 min read
Olivia Rhye
June 3, 2025
Starting a business as an immigrant in the U.S. is an exciting step toward financial independence and long-term success. Fortunately, you don’t need U.S. citizenship or a Social Security Number (SSN) to register a business. Many immigrants successfully operate businesses using an Individual Taxpayer Identification Number (ITIN) and other available options. This guide walks you through the key steps to officially register your business, get the right tax IDs, and open a business bank account.
If you choose a Sole Proprietorship, you may need to register a Doing Business As (DBA) name, which allows you to operate under a name different from your personal name. For an LLC or Corporation, you’ll need to check your state’s Secretary of State website to confirm that your chosen business name is available. Each state has specific rules about what names can be used, so ensure yours complies with local guidelines.
Thousands of immigrants are already achieving more with their money. You can too.
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.
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.
