Minimum wage in the United States in 2026

The federal minimum wage remains $7.25 per hour, unchanged since 2009 under the Fair Labor Standards Act.

However, that number does not reflect what all workers earn. Many states, some cities and counties have set higher minimum wages, which means that your legal minimum pay depends on where you work.

Understanding the minimum hourly wage in the USA is not just about knowing the federal number. It's about knowing whether you are being paid what you are legally owed.

Why has it stayed the same for so long?

Changes to the federal minimum wage require approval from Congress. While there have been multiple proposals to increase it, none have passed into law. As a result, the federal rate has not kept up with inflation or the rising cost of living.

In practice, this means the federal minimum wage acts as a baseline, not the standard in many parts of the country.

Minimum wage by state in 2026

Workers must be paid the highest applicable minimum wage, whether it comes from federal, state, or local law.

Below is a representative minimum wage by state table for 2026. It is important to always verify your local rate, as some cities have higher minimums.

Source: https://www.dol.gov/agencies/whd/minimum-wage/state

A few things worth noting: The states in the $7.25 group include states that adopted that rate under state law, while Georgia and Wyoming technically maintain a lower state minimum wage of $5.15 per hour. However, for most employees covered by the Fair Labor Standards Act (FLSA), the federal minimum wage of $7.25 per hour generally applies instead.

Three states have mid-year increases scheduled for 2026: Alaska jumps to $14.00 on July 1, Florida rises to $15.00 on September 30, and Oregon adjusts as well.

States with the highest minimum wage

Some states and cities have set wages far above the federal level to match actual local living costs. The highest minimum wages in 2026 are found in:

• Washington, D.C. at $17.95
• Washington State at $17.13
• Connecticut at $16.94
• California at $16.90

If you are working in one of these places, your pay should reflect at least those standards and not the federal minimum.

States with the lowest minimum wage

Several states' laws set their minimum wage below what the federal minimum wage indicates; in this case the federal standard of $7.25 per hour takes precedence. Some of them are:

• Georgia at $5.15
• Wyoming at $5.15
• Alabama and Louisiana — no separate state minimum wage law

If you live and work in these states and work minimum wage, your salary should reflect the federal minimum hourly wage in the USA.

Minimum wage for tipped workers

For tipped workers, it's important to understand that federal law permits a lower base wage. Under the Fair Labor Standards Act, employers can pay as little as $2.13 per hour as long as tips bring total earnings to at least the applicable minimum wage.

If tips do not cover the difference, the employer must make up the gap. However, some states, like California, do not allow this lower rate and require full minimum wage regardless of tips. It is important to check with your official local authorities the specific laws in your state for tipped workers.

Minimum wage for young workers

Workers under 20 years old can be paid a youth minimum wage of $4.25 per hour during their first 90 consecutive calendar days of employment. After that period, or once the worker turns 20, employers must pay the standard minimum wage.

What if your employer pays you less than minimum wage?

If you are being paid less than the legal minimum wage, your employer may be violating federal, state, or local labor laws.

Workers generally have the right to:

• Be paid at least the applicable minimum wage
• Receive overtime pay where required by law
• Keep records of hours worked and wages received

Employees can report potential violations to the U.S. Department of Labor's Wage and Hour Division. In general, labor law protections relating to minimum wage and overtime apply regardless of immigration status.

How much do you earn on minimum wage?

Assuming full-time work at 40 hours per week, your monthly and annual income could look like this (before taxes):

These figures are estimates before taxes and depend on consistent full-time hours.

Is minimum wage enough to live in the U.S.?

In many parts of the country, the minimum wage does not fully cover the cost of living. Expenses such as housing, transportation, food, and healthcare vary widely by location. In states like California or New York, where the cost of living is high, even with better rates for minimum wages it may not be enough to support a family without an additional income.

It is important to consider the minimum wage and costs of living by state when choosing where to live and work.

How you get paid matters

Once you are earning, how you receive and manage your money can make a real difference. Some workers are paid by check or even in cash, which can make it harder to track income, build financial history, or send money to family.

Having a bank account or financial services platform may help:

• Receive direct deposits
• Track your income and expenses
• Send money securely to family members abroad
• Start building a financial roadmap to eventually access credit and build a credit history

For those who may not have access to traditional banking, there are a wide range of financial service providers and platforms including Común, which offer the ability to open a debit account with a passport or Matrícula Consular while you wait for your ITIN. You can manage your money through a mobile app which is also available in Spanish. Visit comun.app to learn more.

FAQ

Does the minimum wage increase in 2026?

The federal minimum wage remains $7.25, but many states continue to raise their rates annually.

What is the minimum wage in my state?

It depends on where you live. Always check your state and city laws, as local rates may be higher.

Can I be paid less if I am an immigrant?

No. Labor laws apply regardless of immigration status. You are still entitled to minimum wage and overtime protections.

Understanding your pay and what comes next

The minimum wage in the United States is not a single nationwide standard for all workers. It is a system shaped by federal law with state adjustments. Knowing the correct rate for your location is the first step. Making sure you are actually being compensated fairly is just as important.

Once you are earning, setting up a secure way to receive and manage your money can help you stay in control. With options like Común's debit account, you can receive direct deposits, track your income, and plan your finances in an app that is also available in Spanish. Visit comun.app to learn more.

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Knowing the cost of living in the United States is essential if you plan to build a life in this country. It includes the amount of money needed to cover basic expenses such as housing, food, health, public transportation, etc.

You’ve surely asked yourself before how much money you need to live well in the U.S. The reality is that this figure is relative, since costs vary considerably from one State to another.

However, in general terms, it is possible to state that the main expense is housing, followed by food and health services.

This time, we will explain how much it costs per month to live in the United States, which is the cheapest State to live in the USA, and the approximate costs you will have to cover so you can consider your monthly budget.

What does the cost of living in the United States mean?

Cost of living refers to the amount of money required to cover the necessary expenses to subsist, which are divided as follows:

• Housing: monthly rent or mortgage.

• Food: purchasing groceries and prepared food.

• Transportation: public transit or your own car.

• Health: health insurance, medical care, medications, treatments, etc.

• Education: tuition, school supplies.

• Basic services: electricity, water, internet.

The average cost of living varies in each State, because each one has a particular lifestyle that may be more or less affluent, depending on the type of services available and the area’s infrastructure.

Knowing which States are the cheapest in the United States is essential to adjust your monthly expenses in a competitive way.

Main expenses in the United States

Starting a new life in the United States entails covering a series of monthly expenses that could affect your finances if they are not planned correctly.

Below, we show you the national average of basic necessities in this country.

Housing: the largest monthly expense

Housing is the largest expense you will have once you arrive in the United States, especially if you plan to live in a city like New York, known for its high costs.

Housing costs also depend on whether it is a mortgage or rent.

In March 2025, the average rent was $1.575 USD for a one-bedroom apartment and $1.835 USD for a two-bedroom apartment.

On the other hand, in the same month, the average mortgage rose to $2.807 USD, which represents an increase of 5.3%.

Food and basic services

According to the Thrifty Food Plan from the United States Department of Agriculture (USDA), an adult between 20 and 50 years old requires approximately $309.20 USD per month, while a child between 9 and 11 years old spends around $234.20 USD.

Health and health insurance

As for health insurance, the cost depends on several factors, such as the beneficiary’s age, place of residence, and level of coverage.

This is the national average cost by level of coverage for people over 40 years old.

• Bronze: $488 USD

• Silver: $621 USD

• Gold: $676 USD

• Platinum: $913 USD

Transportation: public vs. own car

For its part, the national average cost of public transportation in the United States reaches $975 USD annually or $81 USD monthly, while the cost of maintaining a car exceeds a thousand dollars per month.

Cost of living in the United States by State and city

Remember that the previous figures are a nationwide average, so prices may be lower or higher depending on the city and State where you intend to live.

¹ RentCafe, 2025

² ZipRecruiter, 2025

³ Smart Assets, 2024

⁴ Smart Assets, 2025

⁵ Click2Houston, 2025

As you can see, the cities of New York and San Francisco are among the most expensive nationwide, so it is advisable to choose a more accessible place to live, such as Texas.

Remember that these data are an estimate and your salary could be higher or lower, as could your monthly expenses and the money needed to live.

What is the average salary in the United States?

Another important aspect in determining the cost of living in the United States is the average salary and the minimum wage—concepts that could be confused but are actually very different.

On the one hand, the minimum wage is the amount from which an employer must start to set employees’ pay. It is established by law.

This varies in each State. According to the U.S. government, at the federal level this figure reaches $7.25 USD per hour, although several States set a higher minimum. For example, in California and New York it is $16.50 USD.

The average salary is the average income a worker receives per month. This amount is obtained by adding total wages and dividing by the number of workers.

By contrast, the real amount needed to live comfortably is the sum of the average costs of essential services such as housing, utilities, and food, in addition to other types of expenses such as leisure.

It is very important to be clear about the difference between the average salary and the real cost of living, since it is likely that your salary will not match your needs, especially if you are the head of a large family.

For example, while the average salary in San Francisco, California, is $7,938 USD, the amount needed to live is $9,993. In contrast, it is worth highlighting States such as West Virginia, where the average salary is $5,405 per month and the income needed to live is $6,735 USD. As you can see, the gap is much smaller, which places this State as the most accessible to live in the United States.

Manage your money better in the U.S. with Comun

Having a checking account will make financial control easier so you can stay on top of all your monthly expenses, organize income, and send money home.

That’s what Comun is for! A financial platform designed for day-to-day needs in the United States through an easy-to-use mobile app that is available in English and Spanish. Opening an account is very easy and fast; you can do it with qualifying official identification from your country of origin.

In addition, it makes it easier to send remittances to several countries, up to the applicable limits, without complications, so that your family receives more money for less.

Why choose Comun?

• Get a Visa debit card.

• Send money home with accessible, transparent fees.

• Save money and pay your bills easily.

• Anti-fraud security

And much more!

Open your account with Comun today and manage your financial life in the United States with security and confidence.

Frequently Asked Questions (FAQ)

Which city in the United States is the cheapest?

Within West Virginia, cities such as Huntington, Charleston, or Parkersburg are often among the most affordable in the country.

Which state in the USA is more affordable to live in, according to the cost of living?

West Virginia is considered an affordable State in the country.

How can I calculate the monthly cost according to my lifestyle?

Add up your necessary monthly living expenses, for example:

Monthly cost: Housing+Utilities+Food+Transportation+Other

Living in the U.S., without a doubt, represents a major advantage for improving quality of life, due to the job opportunities this country offers both citizens and foreigners. However, adjusting to the pace of life in the United States also means facing various expenses that can affect personal finances, especially for newly arrived immigrants.

Savings strategies are an indispensable ally for reducing financial uncertainty, being prepared for any unforeseen event, and building a full future in a new country.

If you identify with this situation and are navigating difficulties covering monthly expenses, below we show different ways to save money in the USA tailored specifically to the reality of immigrants, as well as alternatives for savings accounts, so you can have full control of your capital.

10 ways to save money in the USA

Saving in the United States means developing a set of habits aimed at optimizing resources and choosing financial services with competitive interest rates.

Setting savings goals is the first step toward starting a healthy, worry-free financial life.

Below, we share some strategies to get the most out of your daily spending.

1. Plan and budget your expenses

Before making any move, it’s essential that you’re clear on the amount of your monthly income and outgoings, so you should start by keeping clear financial records.

To do this, you can use a personal finance and budgeting application or a spreadsheet, in order to record categories such as:

• Fixed expenses: all expenses you repeat every month such as rent, utilities, transportation, remittances, etc. 
• Variable expenses: expenses whose amount varies, such as food, entertainment, loans, etc. Based on your income, assign a budget to each. 
• Savings: it’s very important to make sure you keep a sufficient amount of money after covering your monthly expenses. It will help you build an emergency fund you can use for the unexpected. Set short-term financial goals so you can monitor your progress.

2. Take advantage of deals and coupons

An effective way to take advantage of deals at different department stores is to use an application that helps you compare prices; that way, you can choose an alternative without leaving home.

You can also take advantage of the loyalty programs several stores offer through their mobile applications, such as Safeway and Target.

3. Reduce housing costs

Depending on the city, rent can be one of the highest expenses in your budget. If you find that after covering this item your wallet is too tight, you can consider applying some strategies.

• Consider sharing an apartment with roommates.
• Look for an area with accessible rental prices, such as Texas. 
• By contrast, New York is among the most expensive places to live, so it’s advisable to look for more accessible options.
• Check your eligibility to access the public housing program with the Housing Authority.

4. Cook at home instead of eating out

Eating at restaurants is always tempting, but it can generate up to 5 times more expenses than preparing food at home. Plan weekly menus and avoid wasting food.

5. Use low-fee remittance services to send money to your country of origin

For immigrants in the United States, sending money home is a basic need, since it is one of the main means of support for their loved ones.

Before sending money to Latin America, make sure to compare different services in terms of transfer fees, exchange rate, delivery methods, and time.

Comun lets you send your first remittance at no cost (Promotion subject to change. Check availability in the mobile app) and offers accessible fees for the following ones. It is a popular option among immigrants for its accessibility and bilingual Spanish-language support, because it shares language, interests, and common goals: bringing families closer through safe and accessible financial solutions.

6. Use public transportation or share rides

Public transportation is a great way to get around a city at low cost. You can choose the bus service, ride-sharing applications, or, for short distances, a bicycle.

7. Look for assistance programs or local benefits available to immigrants

Check the availability of assistance programs in your city, such as medical care at community health clinics and food banks.

For example, the Supplemental Nutrition Assistance Program (SNAP) provides financial assistance for the purchase of nutritious food. Eligibility for this benefit depends on immigration status, as it requires citizenship or legal residency in the country.

8. Learn about credit and finances as an immigrant

Understanding the U.S. financial system is key to accessing basic services such as a bank account, debit card, credit card, etc. For this, you generally must have an SNN or ITIN. Therefore, it’s advisable to look for accessible options so you can integrate as soon as possible.

In addition, the U.S. government offers a retirement savings plan through the Individual Retirement Account (IRA), which allows you to accumulate money tax-free until it is withdrawn.

9. Buy second-hand to save from the start

Another way to save money is to buy household items at second-hand stores such as Craigslist, OfferUp, and Goodwill. In this way, you can save up to 50% of the budget allocated to these purchases.

10. Take advantage of government benefits

Another support program is Housing Vouchers, which help low-income families with rent payments. On the other hand, the Earned Income Tax Credit (EITC) is available to workers with low to moderate incomes.

What earns the most money in the United States?

If you’re wondering how to make more money in the USA, you should consider working in some of the country’s sectors if your profile fits any of them.

These are some of the highest-paying jobs in the United States, which will not only allow you to meet your savings goals but also significantly improve your quality of life.

Medicine

Professions related to the health sector in the United States are among the highest salary. Average earnings can reach up to $450,000 USD per year, depending on the specialty.

Public Services

This sector also reaches very good earnings, which average can reach up to $133,800 USD per year. This sector includes jobs related to electricity and the generation of renewable energy.

Information Technology (IT)

This is one of the highest-paying industries worldwide. In the United States, average annual salaries reach approximately $99,500 USD. It encompasses skills related to software development, artificial intelligence, and cybersecurity.

Finance

The average earnings of jobs related to the financial sector exceed $90,000 USD. In this case, you can specialize in professions such as portfolio management and investment banking or financial advisor.

Law

Finally, the legal sector is also very well paid, with average earnings of approximately $176,000 USD per year.

Open your account at Comun easily, quickly, and safely

Saving in the United States doesn’t mean giving up your quality of life, but rather adopting smarter money-management habits and developing a solid financial education.

You can start with simple savings strategies, such as taking advantage of digital discounts, reducing housing expenses, avoiding impulse purchases, and choosing more economical remittance platforms.

The key to strengthening your finances lies in organizing resources with a long-term vision and applying these strategies consistently to move toward your goals.

Meet Comun! The financial platform that addresses day-to-day needs in the United States, through an easy-to-use mobile app, where you can open an account in a matter of minutes with a qualified official ID from your country of origin. Send money to your loved ones without complications, so your family gets more for less. See terms and conditions. Exchange rates and fees may vary by country, amount, and delivery method.

Comun is a digital platform designed to help the immigrant community in the U.S., available in Spanish and English.

Frequently Asked Questions

If you still have questions, check our Frequently Asked Questions section.

Which account fits your needs in the United States?

Comun is a popular alternative among immigrants who seek accessible, quality services. Open your account today and discover all the benefits.

What is the 50-30-20 rule?

It’s a savings method that helps you divide your income to reach your financial goals: 50% for necessities, 30% for discretionary expenses, and 20% for your savings fund.

How can you make money quickly in the United States?

Look for flexible jobs on applications or sell things you no longer use on second-hand sites.

Websites for finding jobs in the USA (2026 guide for immigrant workers)

An essential guide for finding a job in the USA. The search for a job in a new country can be a challenge, many processes may feel new or unfamiliar. However, in 2026 there are plenty of online resources to help with the process, one of the most commonly used resources is online job platforms. For many Spanish-speaking employment seekers in the USA whether recently arrived or supporting a family, there are employment opportunities available, the key is to know where to find them.

To help with the search, we have created a guide designed as a practical, curated overview of the most relevant websites for finding jobs in the United States. We hope to provide useful context on which platform works best depending on your situation.

The 10 best websites for finding jobs in the USA

1. Indeed

A practical starting point

Among all job platforms in the United States, Indeed continues to be the most widely used, especially for people looking for entry level or widely available opportunities. Its main advantage is volume. It gathers thousands of listings across industries from restaurants, warehouses, cleaning services, retail, to customer service. The platform allows users to apply for many positions directly through the app or website.

However, this same ease of use means competition is high. Users of the platform have reported that, for better chances of success, it is important to apply early and consistently.

Available in Spanish?

Indeed is fully available in Spanish, it is one of the most complete Spanish experiences among all websites for finding jobs in the USA.

2. LinkedIn

For professional and office roles

LinkedIn is more about building a professional presence. Therefore it is very important to have a well structured profile with recommendations and references to all previous experiences to attract potential opportunities.

This platform is commonly used for roles in administration, marketing, finance, and technology. The platform is generally more focused on professional and corporate roles than hourly positions. It is also important to consider that finding a job through it tends to take some time.

Available in Spanish?

LinkedIn is partially available in Spanish. It allows you to change the interface to Spanish, including menus and profile sections. However, most job postings in the USA and recruiter interactions are still primarily in English.

3. Glassdoor

For researching companies

Glassdoor is not just a job board; it is a decision-making tool. While it does include job listings, its real value lies in the information it provides about companies. Users can see salary ranges, employee reviews, and even details about the interview process.

For someone unfamiliar with the U.S. labor market, this can be helpful when evaluating workplace conditions and company culture and help identify companies with better working conditions. Many job seekers use Glassdoor alongside other job search websites in English and Spanish to confirm whether a job is worth pursuing before applying.

Available in Spanish?

Glassdoor is partially available in Spanish. It offers some Spanish interface options and content, but the experience is mixed. The reviews and salary data are often in English, depending on the company. It is still useful, but not fully localized.

4. ZipRecruiter

Faster matching with less effort

ZipRecruiter focuses on simplifying the job search by using technology to match candidates with relevant opportunities. Instead of spending hours browsing, users receive recommendations based on their profile, and in some cases, some employers may contact candidates directly.

This approach is particularly helpful for candidates with some work experience who want to save time and avoid repetitive applications. It reflects how job platforms in the United States are evolving toward more automated and personalized systems.

Available in Spanish?

ZipRecruiter is mostly in English. It is primarily an English-language platform.

5. SimplyHired

Useful for understanding salaries

SimplyHired plays a valuable supporting role. It aggregates listings from multiple sources and provides salary estimates that help job seekers understand what a position typically pays.

For newcomers trying to navigate where to find work in the USA, this information is especially useful. It helps with comparing offers and may help job seekers better understand local ranges.

Available in Spanish?

SimplyHired is partially available in Spanish. It has some Spanish interface support and localized search options. However, like other platforms, many listings remain in English.

6. USAJobs

The official path to government work

USAJobs is the official federal employment portal. It offers access to government positions, which are known for stability, structured hiring processes, and strong benefits.

However, it is important to be realistic about accessibility. Most roles require legal residency or U.S. citizenship, which may limit eligibility for some applicants.

Available in Spanish?

USAJobs offers limited Spanish support. It is mainly in English, as it is the official government portal.

7. FlexJobs

A path to find remote work

As remote work continues to grow, FlexJobs has become one of the most reliable platforms in this space. Unlike larger job boards, it focuses on curated listings, which may help reduce exposure to fraudulent or low-quality listings.

This makes it particularly useful for people looking for flexibility, whether they are freelancers, parents, or simply prefer not to work in a traditional office setting. In the context of websites for finding jobs in the USA, it stands out for prioritizing quality over quantity.

Available in Spanish?

FlexJobs operates almost entirely in English.

8. Upwork

A practical option for remote income

Upwork allows users to work as independent contractors, offering services in areas such as writing, programming, design, and digital marketing. It has become one of the most relevant platforms for remote work, especially as companies increasingly hire global talent.

While it requires time to build a profile and reputation, some users use it to generate freelance or supplemental income and open doors to long-term clients. It is particularly useful for people with digital skills who are looking for flexibility.

Available in Spanish?

Upwork offers a Spanish interface, which makes it more accessible than many remote platforms. However, most clients post jobs in English.

9. Fiverr

For turning skills into income

Fiverr offers a slightly different model from Upwork. Instead of applying to jobs, users create service listings and set their own prices, allowing clients to find them directly.

It is commonly used for creative work and as a source of side income, but it can also grow into a full-time opportunity. Within the broader landscape of job search websites in English and Spanish, Fiverr stands out for its flexibility and accessibility.

Available in Spanish?

Fiverr also supports Spanish in its interface. Since you create your own service listings, you can write them in Spanish, English, or both, which gives you flexibility depending on your target clients.

10. The Muse

A more curated, culture-focused option

The Muse is smaller than other platforms but offers a more curated experience. It focuses on companies that prioritize workplace culture and transparency, giving candidates a clearer idea of what to expect.

This makes it particularly appealing for younger professionals or those looking for a better long-term fit rather than just immediate employment. While it may not be the first stop for most job seekers, it can be a valuable complement to larger platforms.

Available in Spanish?

The Muse is primarily an English-language platform with no full Spanish interface.

Choosing the right platform for your situation

These platforms are useful within their unique context, the key to making the most out of them is understanding what they offer and how they fit in your situation. Someone looking for quick, entry-level work will likely benefit most from Indeed, while a candidate pursuing a long-term professional career should prioritize LinkedIn. Those interested in flexibility or remote income may find better results through FlexJobs, Upwork, or Fiverr, while individuals seeking long-term stability may consider USAJobs if they meet the requirements.

In practice, the most effective strategy is not to rely on a single platform. Combining two or three of these tools creates a more balanced approach and may improve job search efficiency.

How to apply without an SSN or with an ITIN

When exploring websites for finding jobs in the USA, one practical question often comes up early in the process: what happens if you don't yet have a Social Security Number (SSN)? In most formal employment situations, an SSN is required because employers use it for payroll and tax reporting. However, during the application stage, many platforms still allow you to apply without entering one.

If you already have legal work authorization but are waiting for your SSN, you can:

• Typically move forward in the hiring process, if the employer allows, and provide the number later
• In some cases, employers may accept an Individual Taxpayer Identification Number (ITIN) for tax purposes (although it does not replace work authorization)

The key distinction is that an ITIN allows you to comply with tax obligations, but it does not grant permission to work.

Requirements can vary depending on the employer and the type of role, therefore it is important to confirm what documentation will be needed once you move forward in the hiring process.

Tips for preparing your application

Using the right job platforms in the United States is the first part of the process. How you present yourself still plays a major role in whether you get a response.

• A strong resume should be clear, concise, and tailored to the type of job you are applying for
• In the U.S., resumes are typically one page and focus on skills and results rather than long descriptions
• Adjusting your resume to include keywords from the job description may help resumes align with automated application systems used by some employers

When it comes to interviews, preparation is just as important:

• Employers often expect candidates to explain their experience clearly and give examples of past work
• If you are not fluent in English, practicing common questions in advance can help you feel more confident

Applying regularly, following up when appropriate, and staying organized throughout the process may help improve consistency throughout the job search.

After you get the job: getting paid

Once you are successful and you find work in the United States, it is important to know how and where you are getting paid. Most employers rely on direct deposits, which requires access to a U.S. bank account. For many immigrants, this can be a challenge. Some financial institutions and fintech platforms offer products designed for individuals who may have limited access to traditional banking services. From traditional banks to digital platforms it's important to learn about their requirements and their offers. For example, with Común you can open a debit account using a passport or more than 100 valid Latin American IDs and Común's app is available in Spanish.

Frequently Asked Questions

Do I need a work permit to work in the United States?

Yes. To work legally in the U.S., you must have valid work authorization. This typically comes in the form of a work permit (Employment Authorization Document, or EAD) or a visa that allows employment.

What types of work permits are available for immigrants?

There are several common pathways depending on your situation. Temporary work visas like the H-2A (agricultural work) and H-2B (seasonal non-agricultural work) are frequently used. Professional visas such as the H-1B apply to specialized roles, while other options like TPS (Temporary Protected Status) or asylum-based work permits may apply depending on your country of origin and circumstances.

Each option has specific requirements, so it is important to verify eligibility with the official authorities.

Can I work in the United States if I don't speak English?

Yes, it is possible. Many jobs, especially in construction, cleaning, manufacturing, agriculture, and restaurants do not require advanced English. In cities with large Latino populations, it is common to find Spanish-speaking work environments.

However, improving your English can significantly expand your opportunities and increase your earning potential over time.

What are employment agencies?

Employment agencies, also known as staffing agencies, act as intermediaries between companies and job seekers. They help match candidates with available positions, often for temporary, seasonal, or entry-level roles.

For many newly arrived immigrants, these agencies may help some job seekers connect with available opportunities, especially if someone does not yet have a strong professional network in the United States.

Final thoughts

The key to navigating the U.S. job market in 2026 is not just knowing the websites for finding jobs in the USA, but understanding how to use them strategically. Each platform serves a different purpose, and choosing the right one may help better organize search and identify opportunities aligned with goals and experience. We wish you the best of luck in your job seeking process!

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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.

Every day, millions of people in the United States rely on different methods to send money safely and quickly, whether within the country or, in the case of immigrants, to their countries of origin.

The wire transfer is one of the most popular methods for sending money through financial institutions that provide backing and traceability to ensure the recipient receives the funds.

According to Federal Reserve (Fedwire) data, in 2024 there were 209.9 million wire transfers, representing 8.6% growth compared to the prior year.

Today, the dynamism of the financial system has led to different solutions for making domestic and international money transfers. That is why it is important to understand what a wire transfer is, how it works, and its advantages and disadvantages.

How does a bank transfer or wire transfer work?

A bank transfer or wire transfer is an electronic method of sending money from one bank account to another in real time and without the need for cash. It is especially advisable for transmitting large amounts when extra security is required.

The mechanism for using this transfer service is as follows.

Initiation by the sender

To make an electronic transfer, the sender must initiate the process, either in person (at a bank) or digitally (through a mobile application).

At the beginning of the process, it is necessary to provide the recipient’s information in order to complete the transaction.

Sending of instructions

The bank or financial institution verifies and validates the funds, as well as their sufficiency or insufficiency in the sender’s bank account.

Receipt and crediting

Once the information has been validated, the funds are sent to the indicated account through secure networks according to the type of money transfer.

• Fedwire: a system operated by the National Reserve, for transfers of large amounts of money within the United States

• CHIPS: a system operated by The Clearing House, for international transfers

Advantages and disadvantages of bank transfers (Wire Transfers)

Making a wire transfer has several pros and cons, such as the following.

Advantages

Speed

In the case of domestic wire transfers, the money is deposited within minutes or in less than one business day, making it advisable for urgent payments.

For international bank transfers, the time can range from 1 to 3 business days, so you should consider this limitation if you need to send money outside the United States.

Security

Money moves through official U.S. networks, which provides certainty and facilitates tracking. It also reduces the risk of fraud and scams by dispensing with traditional payment methods such as cash or checks.

Ideal for large amounts

Compared with other transfer platforms (such as Zelle, Western Union, and ACH transfers), wire transfers do not have send limits that are as low, making them ideal for moving large amounts of funds safely and quickly.

Traceability

When a wire transfer is made, each movement is recorded through the networks used, making it easy to trace the money if any issue arises during the process.

Disadvantages

Cost

Banks charge transfer fees that are considerably higher compared with other alternatives.

The cost of domestic transfers ranges from $15 to $30 USD, while international transfers can exceed $50 USD if intermediary institutions must participate in the process.

Irreversibility

If an error is made or you are the victim of fraud, a transfer cannot be reversed. In addition, the bank is not responsible for erroneous electronic payments that were duly authorized.

Detailed information required

To complete the transfer, precise information is required, such as the SWIFT code and the recipient’s name. If a figure is incorrect, the operation will still be carried out.

There are more accessible alternatives for making electronic transfers, such as Común, which provides access to a mobile application and a debit card, with simple procedures. In addition, Común account funds are FDIC insured up to the applicable limits through an FDIC-insured bank.

Required information and how to make a Wire Transfer effectively

Before making an electronic transfer, it is crucial to gather the necessary information so that your money reaches its destination without issues.

Essential data to send a wire transfer

Recipient’s full name 

Make sure to write it exactly as it appears on their account.

Name of the receiving bank 

Write the bank’s full name, without acronyms or abbreviations.

Routing number (ABA) for domestic transfers in the U.S. 

It is a 9-digit code that identifies each bank in the United States.

SWIFT/BIC code for international transfers 

It is an international identifier for each bank.

Bank account number or IBAN for international transfers 

The IBAN is an international code that includes the country identifier, the bank identifier, and the bank account number.

Exact amount to send

It is very important to verify the amount to be sent, because an erroneous operation cannot be canceled.

Tips for a successful and secure transfer

Before making this type of transfer, it is essential to keep some recommendations in mind to avoid issues or errors that could affect your finances.

Double-check all information

Take the time to ensure you have entered exact and correct information, since once a transfer is authorized, it cannot be reversed.

Understand all associated fees before sending

Transfer fees depend on various factors, such as the issuing bank, amount, and—if international transfers are involved—the participation of intermediaries and the exchange rate used.

It is very important to understand all costs involved in a wire transfer, as in some cases the figure can be quite high and not very competitive.

Use reliable and transparent platforms

Ensure that your bank is a reliable institution and has appropriate security measures to handle large amounts of money. Identify whether it has FDIC backing to insure bank deposits in the United States.

Stay alert to possible fraud

Avoid sharing personal information with strangers, as well as passwords or verification codes. If you have any doubts or receive a suspicious call, contact the financial institution directly.

Común: The solution for your transfers in the U.S.

Now that you know what a wire transfer is, you will see that it is very useful for moving money, especially when large amounts are involved and a secure, fast method is sought. However, there are modern alternatives that make sending money easier.

Común offers a more accessible alternative that simplifies money management, especially for immigrants in the United States.

In addition, it offers a simple platform for making domestic and international transfers for a fee starting at $2.99 USD, up to the applicable limits.

Discover an easier way to manage your finances from the palm of your hand. Download the Común mobile app and transfer money without complications.

Frequently Asked Questions

What is the difference between a bank transfer and a wire transfer?

A bank transfer is the general way to refer to any type of digital movement of money. A wire transfer refers to the network used to carry it out. There are also ACH (Automated Clearing House) transfers and mobile payments.

How long does it take to process a wire transfer?

For domestic transfers, they are usually completed the same day if initiated before the cut-off time. After that time, they take about one business day.

International transfers usually take 1 to 3 business days.

Can I cancel a wire transfer once it has been sent?

No, it is not possible to cancel a wire transfer once it has been fully processed. 

Are there amount limits for wire transfers?

There is no set limit; it depends on each bank. However, the permitted amounts are higher than with other alternatives.

The Social Security Number is one of the most important identifiers in the U.S.  It is required for seeking to access benefits such as access to employment, tax filing, and financial services, among others.

If you have newly arrived in the U.S., you likely have questions about how to handle certain procedures. Therefore, we will explain what the SSN is, what it is for, how to apply for it, how much it costs, and what the benefits are of having this identifier.

What is the Social Security Number (SSN)?

The Social Security Number (SSN) is a series of 9 digits issued by the Social Security Administration (SSA, or Administración del Seguro Social in Spanish). It is issued to citizens, permanent residents, and eligible temporary residents, in accordance with their immigration status.

Its main function is to serve as a unique identification number that allows the government to track specific data for each person, such as their income, financial information, and employment history. This makes it possible to determine, in each particular case, eligibility to access Social Security benefits such as retirement, disability, among others.

In addition to facilitating access to these benefits, the Social Security card serves as official identification for employment onboarding, driver’s licenses (in some states), and opening bank accounts.

How to obtain the Social Security Number in the United States?

An important point about the Social Security Number in the U.S. is that there are three different types:

• For citizens born in the United States 
• For citizens born abroad
• For non-citizens with lawful resident status

In the case of lawful permanent residents, it is necessary to obtain a Green Card or a visa with valid work authorization issued by the Department of Homeland Security (DHS), such as H-1B or L-1.

The process of obtaining the SSN varies depending on immigration characteristics. If you requested the SSN during your visa processing—through the “Application for Immigrant Visa and Alien Registration” form or the DS-260 electronic format, “Immigrant Visa Electronic Application”—DHS will contact the Social Security Administration directly to carry out the process.

Get your SSN in just 4 steps

If you did not request the SSN during your visa process, the first thing you should do is gather the following documentation:

• A valid passport with the Machine Readable Immigrant Visa (MRIV) or a Permanent Resident Card (Form I-551)
• Birth certificate

Once you have gathered the documentation, follow these steps:

1. Download and complete the SS-5 application
2. Go to an SSA office
3. Present the original documents
4. Wait 7 to 14 days to receive the Social Security card by mail

What to do if your SSN card is lost?

If your Social Security card is lost, it is important to take security measures immediately to avoid identity theft, fraud, or misuse of your personal data.

Report the theft or loss of this document to the police and then file a complaint with the Federal Trade Commission (FTC).

Afterwards, go to the Social Security Administration, complete the SS-5 form again, and bring the corresponding documents for replacement of the card.

Avoid carrying the card with you unless necessary and keep it in a safe place. Generally, you do not need to present your physical card but rather the number, which does not change even if you replace the card.

5 benefits of having an SSN

If you are still wondering what the SSN is for, you should know that this document provides multiple benefits of different kinds, such as the following:

1. Employment

For permanent residents, the greatest benefit of the SSN is that it grants work authorization, enables income tracking, as well as the payment of taxes and legal obligations. Presenting this document is an indispensable requirement during formal hiring processes in the United States.

2. Credit

The SSN is also typically required to apply for loans and credit from banks and financial institutions in the United States; in this way you can access assets such as real estate, a car, or other types of services.

3. Banking services

Accessing financial services is essential for immigrant workers in the United States, whether to receive wages or send money to their countries of origin. Generally, the SSN is a requirement to access a bank account and credit and debit cards, among other services.

4. Government benefits

There are other benefits available, such as unemployment insurance in the event of dismissal, and access to retirement and Medicare starting at age 65, for eligible permanent residents.

5. Taxes

The SSN functions as the taxpayer’s personal identification number, which makes it easier to file tax returns and report income and expenses. Another alternative for residents who do not have an SSN is the ITIN, issued by the Internal Revenue Service (IRS), which serves to fulfill tax obligations and grants other benefits.

In short, the Social Security Number—beyond being an administrative procedure—facilitates economic and social integration in the United States because it serves to track income and expenses and facilitates access to basic rights such as work, health, and banking, which are essential for integrating into society.

How much does it cost to get an SSN?

It is important to clarify that the Social Security card process does not involve any cost, whether you do it for the first time or as a replacement due to theft or loss.

Stay alert to potential fraud and avoid making payments to unauthorized third parties. If you have any doubts, go directly to your local Social Security office and report any suspicious activity.

Read more: Don’t miss our guide to investment basics for immigrants

Simplify your financial life upon arriving in the United States with Comun

As you can see, the SSN is highly relevant to establishing a stable life in the United States because it facilitates access to work, health services, and financial products that are essential for carrying out daily tasks such as payments and money transfers.

Comun is a financial platform designed to make life easier for immigrants in the United States by facilitating their integration into the financial system from day one.

• Open your account with an official ID from your country of origin
• Receive a Visa debit card and make purchases easily in physical stores and online
• Access a mobile application and manage your finances from the palm of your hand
• Send remittances to your home country for a fee starting at $2.99 USD, up to the applicable limits
• Forget about hidden fees and complicated processes
• Access support available in Spanish and English

With Comun, discover the most accessible way to manage your finances for everyday life in the United States.

Frequently Asked Questions

If you still have questions, consult our Frequently Asked Questions section.

What should I do if someone uses my SSN without permission?

Report immediately at IdentityTheft.gov and place a fraud alert.

How many times can I replace my SSN card?

Up to 3 times per year and a maximum of 10 times in your lifetime.

Is it mandatory to have an SSN to open an account with Comun?

Comun allows you to open an account with official ID from your country. 

Today, sending money to other countries has become a basic need for millions of immigrants living in the United States.

According to the IDFR ( International Day of Family Remittances) campaign in 2025, over the last decade, immigrants sent around 5 trillion dollars in remittances to their countries of origin, which are essential for food, housing, health, and other basic expenses.

To meet this need, there are applications such as Xoom, a PayPal service for transferring money using various payment methods and in a secure manner.

In this guide, we will review how to send money with Xoom step by step, its main features, and some alternatives to connect with your family outside the U.S.

What is Xoom, and is it safe to send money with this service?

Xoom is a digital transfer network owned by PayPal that operates entirely online and offers different sending options to facilitate transactions.

It has become one of the most popular options for making international digital money transfers, due to the backing provided by PayPal, which gives users a sense of security.

In addition to PayPal’s backing, Xoom has high security standards for transferring money, such as SSL encryption and the VeriSign seal.

Additionally, its services are available to send money from the United States to more than 70 countries, including Mexico, Guatemala, Honduras, Peru, among others.

7 detailed steps to send money with Xoom

To send money through Xoom, just follow the steps below.

Access Xoom (web or mobile application) and sign in or register

You can choose to log in via the website www.xoom.com or the mobile application. Once there, sign in or open an account with your email address. You can also use your PayPal account to access.

Select the destination country and the amount to send

Choose the country to which you want to send the transfer. Then you will see the sending options available for the selected destination.

Choose the sending method

Xoom offers the following payment methods:

• Bank deposit
• Cash pickup at physical locations, such as Oxxo or Elektra
• Mobile top-up
• Bill payment
• Cash delivery

Provide the recipient’s details

The information you must enter is:

• Full name, as it appears on their official ID
• Address
• Phone number
• Bank account (if applicable, depending on the sending method)

Select your payment method

Next, enter the amount you want to send and select the payment method, among which are:

• Linked bank account
• Debit card or credit card
• Available balance in your PayPal account

Review and confirm the transaction

Before confirming the transfer, Xoom will display the details so you can verify they are correct, along with the amount corresponding to fees, as well as the exchange rate used for the currency conversion.

Track your transfer with the tracking number

Obtain a tracking number and check the status of your transfer directly in Xoom’s application or website.

Key aspects to consider when using Xoom

Although Xoom is a popular alternative for making fast and secure transfers, it is important to consider several aspects before choosing this option.

Sending fees

Xoom’s sending fees are not fixed; they depend on the destination country, the amount to send, and the payment method.

Generally, the most expensive method is with a credit card and the least expensive is through an  account.

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Exchange rate

The exchange rate can be another drawback because, in addition to being calculated directly on Xoom’s platform, it varies depending on the selected transfer method.

Sending limits

Xoom imposes sending limits that depend on each account’s verification level. For unverified users residing in the U.S., the daily limit is $2,999 USD. By contrast, verified users can send up to $10,000 or $50,000 USD per day, depending on their verification level.

Receiving options

Xoom has different receiving options, but they may vary depending on the destination country.

In general, it is possible to send money for cash pickup at different payout locations, by bank deposit, top-up, or bill payment.

Security and reliability

Xoom is backed by PayPal, in addition to SSL/TLS encryption to protect your financial information and anti-fraud monitoring to ensure your money reaches its destination.

Delivery times

Generally, money transfers via debit card and cash are reflected within minutes. However, other sending methods, such as bank deposit, can take from 1 business day.

The total time will appear before you confirm your transaction in Xoom’s application or on its website.

Accessibility

Xoom is also available in Spanish and, overall, is easy for migrants in the United States to use.

Modern alternatives to sending money with Xoom: Why is Común a smart choice?

Sending money outside the U.S. is essential, as is having efficient international transfer services such as Xoom. However, there are also more innovative options that offer you greater advantages and lower costs so that your family and friends receive much more.

Común is an innovative and comprehensive financial service that meets the financial needs of users living in the United States, especially immigrants. Unlike Xoom, Común has a specialized focus and transparent fees.

With Común:

• Open your account with an official ID from your country; more than 100 identifications are accepted.
• After your first free transfer, pay a fee starting at $2.99 USD per transfer, up to the applicable limits.
• Access customer service in Spanish and English, available 24/7.
• Get a Visa debit card to make purchases at physical merchants.
• Manage your finances from Común’s mobile platform, where you can sync your external bank account and manage your finances from the Común platform.

Still unsure which option is most convenient for sending money? Discover Común and get to know the easy and safe side of finance.

Frequently asked questions

If you want to learn more, see our FAQ section

How do I send money from Mexico to the United States using Xoom?

It is not possible to send money from Mexico through Xoom, since it only allows transfers from the United States, Canada, and other European countries.

How long does it take for money to arrive via Xoom?

Depending on the sending method, it ranges from minutes to up to 3 business days.

Is it safe to use Común to send money to Latin America?

Yes, Común has the necessary security measures in place to keep your money and personal data safe.

Can I use Común even if I don’t have a PayPal account?

Yes, Común is an independent platform from PayPal, and you can open an account with official ID from your country.

Can I make cash deposits if I don’t have a bank account in the U.S.?

Yes, Común allows you to deposit cash at numerous locations near you.