Complete Guide to Emigrating to the United States

Have you thought about alternatives to build a better future? You probably share the dream of thousands who long to emigrate to the U.S. in search of job and financial stability. Although the idea is tempting, it’s important to do it in an orderly and legal way to avoid issues with the U.S. government.

Beyond better job opportunities, people emigrate seeking education, family reunification, and safety.

The process to live legally in the U.S. can be overwhelming and confusing. This guide explains, step by step, how to emigrate to the United States to work, study, and reside.

Main Options to Emigrate to the United States

First, understand the different visa categories you can apply for to legally enter the U.S.—whether for work, family ties, or other categories.

These are the visa categories:

Employment

If your goal is to find job opportunities in the United States, you need to understand the work visa options.

• H-1B visa: for specialized professionals with a university degree or equivalent experience.

• H-2B visa: temporary non-agricultural workers.

• H-2A visa: temporary agricultural workers.

• TN visa: (NAFTA/USMCA) for Mexican and Canadian citizens in specific professions.

• EB-5 visa: for investors able to create at least 10 U.S. jobs. Also a pathway to permanent residence.

Family

Another path is the family-sponsored Green Card, which lets U.S. citizens and permanent residents help certain relatives obtain legal status.

U.S. citizens may petition for a spouse, unmarried or married children, parents, and siblings; permanent residents may petition for a spouse and unmarried children under 21.

Processing times vary but can be around 18 months. In general, the card is issued with a 10-year validity.

Visa Lottery

If you don’t fit employment or family categories, you can consider the Diversity Visa (DV Lottery), which grants 55,000 lawful permanent resident visas to nationals from countries with low U.S. immigration rates.

These are the requirements to apply:

• Be from an eligible country.

• Have a high school education and at least two years of experience in an occupation.

• Complete the online form during October–November.

Other options

Lastly, there are other alternatives for foreign nationals who don’t fit the categories above.

• Student visa (F-1 or M-1).

• Exchange visitor visa.

• Asylum or refugee status.

• Humanitarian parole or special programs.

Step-by-Step to Start Your Immigration Process

Below is the visa application process step by step.

Step 1. Research the most viable path for your profile.

First, analyze your goals in the U.S. and which visa category best fits your profile.

Step 2. Estimate process costs and initial cost of living in the U.S.

Immigrant visa costs vary by category. For example, in family sponsorship, Form I-130 or I-140 ranges from $535 to $700.

Check exact fees on the official U.S. Citizenship and Immigration Services website.

Step 3. Gather required documents (certificates, passports, diplomas, records, proof of income, etc.).

Each visa type requires specific documents; below is a general list of the most important items.

Valid passport.

• DS-160 (temporary visas) or DS-260 (immigrant visas).

• Proof of consular fee payment.

• Recent visa-style photo (2x2 inches).

• Job offer letter.

• USCIS employment authorization document.

• Academic certificates, diplomas, professional degrees.

• Proof of work experience.

• Proof of financial solvency or bank statements.

Step 4. If needed, improve your English before emigrating.

While the immigrant community is large, you’ll still need at least basic English to communicate.

Step 5. Check USCIS official sources to confirm current forms and fees.

Forms and fees vary by visa type. Always consult USCIS official information.

Also keep these practical tips in mind to avoid common mistakes.

• Avoid unlicensed consultants.

• Don’t make payments on unofficial sites. Make sure URLs end in .gov.

• Keep digital copies of all official documents for easy backup.

State Options for Emigrating to the U.S. and Costs to Consider

The next key step is choosing the state where you’ll arrive once you get your visa. This choice can directly impact your success due to the cost of living, job opportunities, and minimum wage.

Several states are attractive due to job variety, access to services, and support networks.

Here is a comparative table of some of the U.S. states for immigrants.

State

Average cost to rent a room

Average cost to rent a family home

State or federal minimum wage

Texas

$1,130

$1,400

Federal minimum wage $7.25 per hour

California

$2,600

$3,500

$14.00 per hour

Florida

$1,290

$2,000

$11.00 per hour

New York

$2,125

$2,300

$15.50 per hour

Illinois

$1,140

$1,300

$15.00 per hour

Arizona

$1,171

$1,400

Federal minimum wage $7.25 per hour

Helpful Tips for a Successful Transition

Emigrating requires financial, legal, and emotional preparation. These tips help you transition more smoothly.

• Once in the U.S., open a checking account to facilitate payments and salary deposits.

• Create an initial budget for the first 3–6 months.

• Line up temporary housing before traveling—family or friends if possible.

• Learn how the healthcare system and insurance work.

• Learn how credit history works and how to start building it.

Build Your New Financial Life in the U.S. with Común

You’re one step closer to starting a new life in the U.S. Once there, you’ll need a reliable service to manage your money.

Meet Común, the financial platform in the U.S.!

Open a checking account with qualifying ID from your home country and send money to Latin America with clear, competitive fees.

Open your Común checking account and take the first step toward financial stability in the U.S.

Frequently Asked Questions (FAQ)

If you still have questions, see the section below.

How much money do I need to emigrate to the United States?

Costs depend on the visa type—check USCIS’s official site. Also include travel, housing, and basic living expenses.

Which visas are faster to emigrate with?

The TN visa takes about 2–8 weeks; temporary work visas take around 3 months.

What happens if my application is denied?

You can request a review or appeal and make the necessary corrections. If not accepted, you may submit a new application.

‍

Creating a strict household budget starts with tracking all income and fixed expenses, then setting limits on variable spending. An account with no monthly fee or minimum balance, like Común's, makes it easier to track your money without losing part of your budget to fees.

How do I start creating a budget for my household?

Track all your income and fixed expenses (rent, utilities, debt), then set realistic limits on variable spending (food, entertainment) based on what's left.

How do I keep bank fees from eating into my budget?

Choose an account with no monthly fee or minimum balance — every avoidable fee is money that stays in your budget instead of going to the bank.

What tools help maintain a strict budget?

Real-time activity notifications, reviewing your transactions often, and separating money by spending category are practices that make it easier to stay in control.

Frequently asked questions

Where do I start making a budget?

Track all your income and fixed expenses first, then set limits on variable spending with what's left.

What percentage of my income should I save?

It varies by situation; many people start with the 50/30/20 rule (needs/wants/savings) as a baseline.

How do I avoid overspending each month?

Review your activity often and use notifications to catch unnecessary spending early.

Do bank fees really affect my budget?

Yes — a $12-25 monthly fee plus occasional overdraft charges can add up to hundreds of dollars a year.

Does Común help me stick to a budget?

It doesn't charge a monthly fee or require a minimum balance, and real-time activity notifications help you track your spending.

Should I have a savings account separate from my checking account?

It can help separate money meant for savings from day-to-day spending money, reducing the temptation to use it.

Sending money to Mexico with Común costs as little as $2.99 per transfer, and your first transfer is at no cost. The exchange rate is shown in full before you confirm, with no hidden charges, and most transfers arrive within minutes.

How much does it cost to send money to Mexico from the United States? A 2026 guide

In most cases, the total cost depends on three factors: the transfer fee, the exchange rate, and any charges applied to the recipient of the money. The truth is that the final cost can range from a few dollars to something more significant as it is impacted by the service fee, delivery method, and speed.

Remittances have become so important to the Mexican economy that Mexico remains the world's second-largest recipient of remittances, behind only India. According to BBVA Research, Mexico received $61.8 billion USD in remittances in 2025, representing 3.4% of the country's GDP. Today, there are dozens of apps and money transfer services available for sending money from the United States to Mexico. Some focus on speed, others on cash pickup access, and some prioritize lower overall costs.

In this guide, we'll break down what actually affects the cost of a transfer, compare popular services, and explain how to find the option that works best for you and your family.

How much money can I send to Mexico?

One very important aspect to consider is the amount allowed by money transfer apps, as well as any restrictions included in their terms and conditions.

In general, there is no legal limit imposed by the United States government, but each platform has its own standards and regulations that determine transfer limits and guidelines for international money transfers.

For example, these are some of well known providers that offer money transfers to Mexico and their respective limits:

• Western Union: up to 5,000 USD per transaction.
• MoneyGram: up to 10,000 USD per transaction.
• Xoom: Level 1 is limited to $2,999 per day while the third level allows up to $50,000 per day.

If you are looking for a straightforward way to send money to Mexico, Común can be an excellent alternative. New users can enjoy the first money transfer free and then pay a fee starting at 2.99 USD per transfer, up to applicable limits.

What is the best way to send money from the United States to Mexico?

There are several ways to send money from the United States to Mexico, whether through traditional banks or specialized international money transfer services. These are the main options to do it:

Bank-to-Bank transfers

One of the most common ways to send money is through wire transfers from one traditional bank to another. The advantage of this method is that it can be secure because it is backed by official financial institutions. However, transfers can take longer and involve higher fees.

To send funds this way, you must have a U.S. bank account and use the recipient's SWIFT code.

The transfer cost depends on the receiving bank in Mexico. For example:

• BBVA charges approximately $30 USD + VAT to receive an incoming international transfer.
• Citibanamex estimates suggest around $15–20 USD + VAT for incoming transfers, but confirming directly with the bank is recommended.

These fees apply regardless of the amount sent, therefore it is important to confirm the fees with each bank.

Cash transfers

Another option, which may be more accessible for people without a bank account, is sending cash that can be picked up at different locations across Mexico.

To send cash, it is common to visit a physical location of the provider that offers this service, such as a Western Union office. Once there, you pay the amount you want to send plus the assigned fee. To collect the funds, your family members must present a valid government ID at one of the participating locations, such as Oxxo, Banco Azteca, Walmart, or others. However, many service providers such as Western Union also have digital offers.

Although this can be a convenient alternative for people who mainly manage cash, it may also come with potential drawbacks, such as fees that vary depending on the amount sent and exchange rates that might be less competitive compared to some digital transfer services.

Apps and digital platforms

Another option for sending money to Mexico is through apps and digital platforms that specialize in international money transfers, such as Wise, Félix Pago, Ria Money Transfer, and Común. Many of these services are available on both iOS and Android and may offer lower costs compared to some cash transfers or traditional bank wires, depending on the provider and delivery method. Some platforms focus mainly on money transfers, while others may also include additional financial features, such as a debit card or access to a U.S. bank account.

To access these services, you must create an account on the provider's website or app. In addition, some apps require identity verification using personal information such as your SSN (Social Security Number) or ITIN.

You can send money directly through the provider's app or, in some cases, even through WhatsApp, and choose the preferred delivery method. Some services also offer cash pickup options for recipients. For example, Común accepts more than 100 Latin American IDs for account verification, it allows you to send money through the app or via WhatsApp, and offers cash pickup options across Mexico.

Before choosing an app to send money to Mexico, we recommend comparing the most popular options and evaluating which one best fits your needs and those of your family.

Five popular mobile apps for sending money to Mexico from the United States

There are many apps available for sending money from the United States to Mexico, but costs, delivery speeds, and exchange rates can vary depending on the provider and transfer method. Comparing multiple options can help you find the service that best fits your needs.

The amount received in MXN for every 1,000 USD can change throughout the day due to fluctuations in exchange rates, provider fees, and delivery methods. The rates shown here are for illustrative purposes only and may not reflect the exact amount available at the time of your transfer. Before sending money, it may be helpful to compare the current exchange rate and total transfer cost across providers. Común's comparison tool can help you check and compare available rates in real time.

‍

What determines the real cost of sending money to Mexico?

When comparing money transfer services, many people focus only on the advertised transfer fee. But the real cost of sending money to Mexico usually depends on three different factors:

• The transfer fee.
• The exchange rate spread.
• Charges applied to the recipient.

Understanding these costs can help you compare services more accurately and avoid situations where your family receives less money than expected.

Transfer Fee

The transfer fee is the most visible cost. This is the amount the provider charges to process the transaction.

Some services charge a flat fee per transfer, while others adjust the fee depending on the amount sent, the payment method, or how quickly you want the money delivered. In some cases, companies may offer promotional pricing or even a free first transfer for eligible users.

Although low fees can help reduce costs, they may not always result in the lowest overall transfer cost once exchange rates and other charges are taken into account.

Exchange rate spread

The exchange rate spread is one of the most important and often least visible parts of the total cost.

Some service providers do not use the exact market exchange rate you find on Google or financial websites. Instead, they add a margin, also known as a "spread," when converting USD to MXN.

This means that even a small difference in the exchange rate can significantly reduce the amount your recipient receives in pesos, especially on larger transfers.

A service with a slightly higher transfer fee but a more competitive exchange rate may actually deliver more money to your family in Mexico.

Recipient charges or withdrawal costs

In some cases, additional costs may appear after the transfer is sent. Depending on the provider and delivery method, the recipient could face charges for cash pickup, ATM withdrawals, bank processing, or currency conversion. Some banks and pickup locations may also apply their own service fees.

These extra costs are important because they directly affect the final amount your recipient can actually use.

Compare the full cost

The best way to compare money transfer services is to look at the total outcome: how much you pay, how much your recipient receives, and how long the transfer takes.

If possible, it is recommended that before sending money, you review the transfer fee, compare the exchange rate, and check whether there are any recipient-side charges. Small differences across these three factors can add up quickly over time.

To compare real-time transfer costs, exchange rates, and delivery options, you can use tools like Común's compara before making your transfer.

How can I send money to Mexico with Común?

With Común you can send money to your family and friends in Mexico directly from Común's mobile app without leaving your home.

You can follow these steps:

• Open your Común mobile app.
• On the main page, select "Send a Remittance."
• Select the recipient you want to send the international transfer to.
• You can register a recipient using their banking details, including full name, bank name, and phone number.
• After registering the recipient, enter the amount you want to send and review the transaction costs.
• Confirm the details and select "Confirm International Transfer."
• The recipient should receive the money within minutes. If you select a store pickup, the person can collect the money about 30 minutes after confirming the transaction.
• You can check the transfer status in your Común mobile app by clicking on the transaction.

Transfer fees start at 2.99 USD per transaction, up to applicable limits.

Send money to Mexico easily and securely

Today, there are more options than ever for sending money from the United States to Mexico. Whether you prefer the familiarity of a traditional bank, the convenience of cash pickup, or the flexibility of a digital platform, the right choice will depend on your own situation.

Comparing fees, exchange rates, delivery methods, and transfer times may help you find an option that better fits your needs and the way your family prefers to receive money.

With Común you can open an account using more than 100 Latin American IDs, send money from the comfort of your phone and access multiple delivery methods across Mexico.

‍

How much does it cost to send money to Mexico with Común?

Fees start at $2.99 per transfer. Your first transfer is at no cost. Común shows the exchange rate and the exact amount your family will receive before you confirm — nothing changes afterward.

How long does it take for the money to arrive?

Most transfers arrive within minutes. The exact time depends on the delivery method your family chooses (bank deposit or cash pickup).

Where can my family pick up the money in Mexico?

Común offers cash pickup at locations like Elektra and Oxxo, plus direct deposit to a Mexican bank account.

Frequently asked questions

What's the minimum fee to send money to Mexico with Común?

Starting at $2.99 per transfer. Your first transfer is at no cost. The final amount your family receives is shown in full before you confirm, with no hidden charges.

Is Común's exchange rate competitive?

Yes, Común offers a competitive exchange rate and shows you the exact amount in pesos before sending, so you know exactly how much your family will receive.

Can I send money to Mexico even if my family doesn't have a bank account?

Yes, your family can pick up the cash at locations like Elektra or Oxxo without needing a bank account.

How long does a transfer to Mexico take?

Most transfers arrive within minutes, depending on the delivery method chosen.

Do I need a Común account to send money to Mexico?

Yes, remittances are sent from your Común account inside the app by selecting "Send a remittance."

Is there a limit on how much I can send to Mexico?

Transfer limits vary by account; you can check them directly in the app before confirming your transfer.

Cashing a Check at Your Own Bank

When it comes to cashing a check, one of the simplest options is visiting your own bank or financial institution. Here's a step-by-step process for depositing or cashing a check:

1. Endorse the Check: Flip the check over and sign your name on the back in the area designated for endorsement. Make sure your signature matches what's on file with the bank.
2. Visit Your Bank: Head to the local branch of the bank where you have an account. Bring a valid form of ID, like a driver's license or passport.
3. Approach a Teller: Depending on your preference and the bank's options, you can present the check to a teller for processing or use an ATM equipped with check deposit functionality to get your money.
4. Provide Necessary Information: If you're dealing with a teller, you may need to provide additional account information, like your account number, the issuing bank, and the check amount. For ATM deposits, follow the on-screen prompts to enter the relevant details.
5. Confirm Deposit or Receive Cash: After processing, you'll receive confirmation of the deposit into your account or the cash in hand if you chose to cash the check.

'Cashing' a Check Electronically

Beyond traditional in-person methods, many banks offer electronic options for depositing checks. This convenient approach lets you deposit checks without visiting physical locations or even cash checks without ID. Here's how it works:

• Mobile Deposit: Most banks provide a mobile app that lets you deposit checks using your smartphone or tablet. Simply endorse the check, take photos of the front and back, and submit them through the app.
• Online Banking: Some banks offer online banking portals where you can scan and upload images of checks for deposit. This method generally follows steps similar to mobile deposit and is accessible through a web browser.
• Electronic Funds Transfer: In some cases, you may have the option to electronically transfer a check's funds directly to your account without needing physical processing.

Pros and Cons of Checking Accounts

Checking accounts serve as the hub for many financial transactions, offering both benefits and drawbacks. Understanding these pros and cons is crucial to effectively managing your resources.

Advantages of Having a Checking Account

• Convenience: Checking accounts provide a convenient way to access and manage your funds for everyday expenses, like paying bills and making purchases with a debit card.
• Writing Checks: With a checking account, you can issue checks to people or businesses, offering a secure, traceable payment method.
• Direct Deposit: Many employers offer direct deposit, letting your paychecks be automatically deposited into your checking account, providing quick access to money.
• Online Banking: Most banks offer online banking services for checking accounts, letting you monitor account activity, transfer money, and pay bills from the comfort of home or on the go.
• Overdraft Protection: Some checking accounts come with overdraft protection options, which can help prevent declined transactions and fees in the event of insufficient funds.

Disadvantages or Limitations of Checking Accounts

• Fees: Some checking and money market accounts may have monthly maintenance fees, overdraft fees, limited withdrawals, or ATM fees, which can reduce your balance if not carefully managed.
• Minimum Balance Requirements: Certain checking accounts require you to maintain a minimum balance to avoid fees, which can be a challenge for those living paycheck to paycheck.
• Limited Interest: While some checking accounts offer interest on balances, rates are typically lower compared to savings accounts, resulting in minimal earnings on your deposits.
• Fraud Risk: Issuing checks or using a debit card linked to your checking account exposes you to the risk of fraud or unauthorized transactions, requiring vigilance and prompt reporting of any suspicious activity.

By carefully weighing the advantages and disadvantages of checking accounts and considering key factors when selecting the right account, you can effectively manage your finances and get the most out of your banking experience.

‍

Where to Cash a Check

When it comes to cashing a check, you have several options available, ranging from a traditional bank to a retail store. However, not all locations are equal, and it's essential to weigh the pros and cons of each option before making a decision.

‍

• Banks: Your bank is often the simplest option for cashing a check. You can visit a branch or use an ATM equipped with check deposit functionality. Many banks and credit unions also offer mobile deposit options, letting you deposit checks using your smartphone.
• Retail Stores: Some retail stores, like supermarkets, convenience stores, and big-box retailers, offer check-cashing services for a fee. This can be a convenient option if you don't have a bank account or need access to cash outside of banking hours.
• Check-Cashing Stores: Dedicated check-cashing stores specialize in cashing checks for a fee. While these establishments provide quick access to cash, their fees can be higher compared to other options, reducing the amount you receive.
• Prepaid Debit Card: Certain prepaid debit cards let you load checks onto the card electronically, providing instant access to funds. This can be a convenient option if you regularly use prepaid cards for financial transactions.

Where to Avoid Cashing a Check Due to Potential Fees or Limitations

• Payday Lenders: Avoid cashing checks at payday loan establishments, since they often charge exorbitant fees and may engage in predatory lending practices.
• Pawn Shops: While some pawn shops offer check-cashing services, their fees can be high, and they may require collateral or impose additional charges and higher costs to cover transactions.
• High-Fee Retailers: Be careful when cashing checks at retailers that charge high fees for the service, since these fees can significantly reduce the amount of cash you receive.

When deciding where to cash a check, consider factors like convenience, fees, and access to money. Choose a reputable establishment and service with transparent fee structures to make sure you get the most value from your check-cashing experience.

Comparing Checking and Savings Accounts

Understanding the differences between checking and savings accounts is crucial for effective financial management. Here's a concise comparison:

Interest Rates and Benefits of Savings Accounts

• Interest Rates: A savings account generally offers higher interest rates compared to a checking account, making it ideal for growing your money over time.
• Benefits:
• Goal-Oriented Saving: Savings accounts are great for setting aside funds for specific goals.
• Safety Net: They provide a financial cushion for unexpected expenses.
• Access to Funds: While there may be a limit on withdrawals, savings accounts offer relatively easy access to your money.

Considerations for Having Both Accounts at the Same Bank

• Convenience: Managing both a savings and checking account at the same bank offers ease in transferring money, viewing balances, and accessing statement cycles and bundled services.
• Relationship Benefits: Some banks or credit unions offer perks for customers with multiple accounts, like higher interest rates or waived fees.
• Simplified Experience: Consolidating a savings and checking account simplifies banking tasks like bill payments and money transfers.
• Diversification: However, having accounts at different banks provides diversification and can mitigate risks associated with a single financial institution.

Ultimately, the decision to have a savings and checking account at the same bank or spread across multiple financial institutions depends on your preferences, financial goals, and banking needs.

Loading a Check Onto a Prepaid Card

Loading a check onto a prepaid card is a convenient alternative to traditional banking methods, offering flexibility and accessibility for people who may not have or prefer not to use traditional accounts. Let's briefly break down the process and considerations associated with this method.

Prepaid Cards and Their Suitability

• Prepaid Cards: Reloadable payment cards not linked to traditional bank accounts.
• Loading Checks: Prepaid card providers offer options to load checks electronically through mobile apps or online portals.
• Suitability: Ideal for those without a bank account or who prefer alternative financial services.

Pros and Cons of Using Prepaid Cards

Pros:

• Accessibility and convenience for loading checks.
• Control over spending and security features.

Cons:

• Monthly fees for various transactions.
• Limited features compared to traditional bank accounts.
• Reload limits and lack of FDIC insurance.

Consider the convenience and accessibility of prepaid cards for check transactions, keeping in mind the associated fees and limitations.

You Can Open a Checking Account With Común Right Now!

Open your checking account¹ in 3 minutes with your country's ID²

Open your account

Conclusion

Navigating the check banking landscape today requires a balanced understanding of the advantages and disadvantages inherent to this payment method. While checks offer flexibility and accessibility, they also come with potential fees and security risks. By weighing the pros and cons outlined in this article and exploring alternative banking options, people can make informed decisions to optimize their financial and cash management strategies.

‍

‍

Building a solid financial foundation in the U.S. starts with three pillars: a realistic budget, responsible debt management, and consistent savings for emergencies and long-term goals. An account with no monthly fee, like Común's, makes it easier to stay in control without losing money to fees.

What are the pillars of a solid financial foundation?

A budget that prioritizes essential expenses, debt management that avoids unnecessary interest, and a savings fund for emergencies and long-term investment.

How much should I have saved for emergencies?

It's generally recommended to have 3 to 9 months of basic expenses covered, though the exact amount depends on your personal situation.

How do I choose a bank account that supports my financial goals?

Look for an account with no monthly fee, no minimum balance, and tools that make it easy to track your spending — every avoidable fee is money that stays in your budget.

Frequently asked questions

What are the basic pillars of financial stability?

A realistic budget, responsible debt management, and a savings fund for emergencies and long-term investment.

How much should I save for an emergency fund?

Generally 3 to 9 months of basic expenses, depending on your personal situation.

Why is it important to avoid unnecessary bank fees?

Every fee you pay is money you can't put toward your financial goals — over time, these fees add up to hundreds of dollars a year.

Does Común help me build a solid financial foundation?

Yes — it doesn't charge a monthly fee or require a minimum balance, and offers tools like real-time notifications to track your spending.

Do I need good credit history in the U.S.?

It helps you access better rates on loans and cards, but it's not a requirement to open a basic bank account.

Where do I start if I don't have any savings yet?

Start with small, consistent amounts — even $20-30 a week adds up significantly over time.

If you lost a check or it was stolen, contact your financial institution right away to request a stop payment. With Común you can lock your card instantly from the app and reach support 24/7 by chat, email, phone, or WhatsApp.

What do I do if I lost a check or it was stolen?

Contact your financial institution right away to report the loss and request a stop payment. Also let the person who issued the check know, since they may need to issue a new one.

How do I lock my card if I suspect fraud?

You can lock your card instantly from the Común app, no phone call needed. Review your recent activity and report any transaction you don't recognize.

How do I contact Común support for an urgent issue?

Común offers 24/7 support through in-app chat, email, phone, and WhatsApp.

Frequently asked questions

What should I do first if I lost a check?

Contact your financial institution right away to request a stop payment, and let the person who issued it know.

Can I lock my Común card myself?

Yes, you can lock it instantly from the app without needing to speak with support first.

How do I report a transaction I don't recognize?

Contact Común support through chat, email, phone, or WhatsApp, available 24/7.

Am I liable if someone cashes a stolen check with a forged signature?

Generally not, if you report it right away to your financial institution; exact protections vary by case.

What do I do if my lost check was already cashed by someone else?

Contact your financial institution and the check issuer right away to start a claim.

How do I prevent losing checks in the future?

Consider receiving payments via direct deposit or electronic transfer instead of paper checks, and store any checks you do receive somewhere secure.

Halloween and Día de Muertos fall on consecutive dates, October 31 through November 2, but they come from completely different traditions. Halloween has Celtic origins and is widely celebrated in the United States with costumes, trick-or-treating, candy, and spooky decorations. Día de Muertos is a celebration in Mexico that honors relatives who have passed, centered on ofrendas, favorite foods, and marigold flowers.

Because the two celebrations happen at nearly the same time, it's easy to wonder how they relate to each other. One focuses on costumes and neighborhood traditions, while the other is a time to remember loved ones who have passed. Many Latino families in the United States celebrate both, each with its own meaning. Understanding what makes each tradition unique can help preserve their significance while enjoying both.

What is Día de Muertos and where does it come from?

Día de Muertos is a Mexican tradition that honors the memory of relatives and loved ones who have died, observed on November 1 and 2. Its roots go back to pre-Hispanic cultures in Mesoamerica, including the Mexica, Maya, and Purépecha peoples, who saw death as a continuation of life rather than an ending. Over centuries, these Indigenous practices blended with Catholic traditions brought by Spanish colonizers, creating the celebration recognized today.

Families build ofrendas at home or at gravesites, placing photos, favorite dishes, candles, and marigolds to welcome the spirits back for a visit. UNESCO inscribed the celebration on its Representative List of the Intangible Cultural Heritage of Humanity in 2008, after originally proclaiming it in 2003. The holiday is about celebrating the lives of the people who have passed. Families gather, tell stories, prepare their favorite dishes, play their favorite music, and build ofrendas.

Some regions in Mexico celebrate slightly differently. In Michoacán, families spend the night at the cemetery with candles and food. In Oaxaca, comparsas (costumed parades) fill the streets. However, the heart of the celebration is honoring those who have passed by celebrating their lives.

What is Halloween and how is it celebrated in the U.S.?

Halloween is a tradition celebrated widely in the United States on October 31, a day when people wear costumes, children go trick-or-treating, families and friends carve pumpkins, and decorate their homes with haunted house decorations. It has roots in ancient Celtic festivals and later Christian observances, but in its modern form it is mostly a secular, community-based holiday for children and neighborhoods.

Halloween is widely celebrated across the United States, but it is not a federal public holiday, so schools and most workplaces stay open. Kids often dress up for school during the day and go trick-or-treating door to door in the evening. Neighborhoods decorate their yards with pumpkins, cobwebs, and lights weeks in advance.

For many Latino families in the United States, Halloween is one of the first traditions children experience at school and in their neighborhoods. Costume parades, classroom activities, and trick-or-treating are common parts of the celebration.

Halloween vs. Día de Muertos: key differences

Halloween and Día de Muertos take place within days of each other, which can make them easy to confuse. While both are widely celebrated during fall, they have different histories, traditions, and meanings. Being familiar with those differences can help you understand each better and celebrate accordingly.

• Purpose:
  Halloween is playful and focuses on costumes and candy. Día de Muertos is a remembrance of loved ones who have passed.
• Origin:
  Halloween developed from Celtic and Christian traditions in Europe and later took its modern form in the U.S. On the other hand, Día de Muertos comes from Indigenous Mesoamerican beliefs blended with Catholic practice.
• Symbols:
  Halloween decorations include pumpkins, ghosts, and skeletons as spooky themes. Día de Muertos centers on marigolds, candles, pan de muerto and offerings with specific meanings.
• Mood:
  Halloween aims to scare or entertain. Día de Muertos aims to honor and reconnect, often with warmth rather than fear.
• Status in the U.S.:
  Halloween is a widely observed cultural tradition, not an official public holiday. Día de Muertos is increasingly recognized in U.S. cities with large Latino populations, through parades, museum exhibits, and school programs, though it is not a national holiday either.

Although the celebrations take place during the same time of year, each has its own history and purpose. Many families choose to celebrate both while preserving and embracing the traditions and cultural meaning of each one.

How to celebrate Día de Muertos in the United States

Día de Muertos is celebrated in many parts of the United States, especially in communities with a strong Mexican and Latino presence. Cultural centers, museums, schools, and community organizations often host public altars, festivals, parades, and educational events during the days leading up to November 1 and 2. These events offer an opportunity to learn about the tradition and take part in local celebrations.

Many families also observe Día de Muertos at home. The way it is celebrated varies from one household to another, but common traditions include:

• Setting up an ofrenda with photos and personal items of relatives who have passed.
• Preparing a favorite meal or drink of the person being remembered.
• Sharing stories and family memories with children and other relatives.
• Visiting a local Día de Muertos festival, museum exhibit, or community altar.
• Buying traditional foods such as pan de muerto from a nearby Mexican bakery or grocery store during the season.

Because Halloween and Día de Muertos take place within the same week, many families participate in both. Children may go trick-or-treating on October 31 while the family gathers on November 1 or 2 to remember loved ones and continue Día de Muertos traditions.

How to set up a traditional ofrenda

The ofrenda is built to welcome the spirits of deceased loved ones back for a visit. While designs vary by region and family, most ofrendas include the same elements that follow the tradition:

• Photos:
  Pictures of the relatives being honored, placed at the center or top level.
• Cempasúchil (marigold) flowers:
  Their scent and bright color are believed to guide spirits back home. They're the most traditional flower for the occasion.
• Pan de muerto:
  A sweet bread shaped like bones, representing an offering shared with the departed.
• Favorite foods and drinks:
  Whatever the honored person enjoyed most in life, from mole to coffee to a favorite tequila.
• Candles:
  To light the path back for the spirit and represent hope.
• Papel picado:
  Cut tissue paper banners representing the wind and the connection between life and death.
• Sugar skulls (calaveras):
  Decorative and symbolic, representing the deceased with color rather than fear.
• Salt and water:
  Salt to purify the soul on its journey, water to quench its thirst after traveling.

Ofrendas are often arranged on two or three levels, symbolizing heaven, purgatory, and earth. But there is no single correct way to build one. Some families also include religious images, incense or seasonal fruit. However, it is very important to add something that had a special meaning for the person being remembered. That could be personal belongings, clothes, perfumes, but when you don’t have the items accessible, they can still be represented through colors, music or symbolic gestures. What matters is creating a space that reflects the memory of the loved ones being honored.

How to send money home so your family can celebrate Día de Muertos

Preparing for Día de Muertos often means buying flowers, candles, pan de muerto, ingredients for family recipes, and other items used to build an ofrenda. For families celebrating in Mexico or other parts of Latin America, money sent from relatives in the United States can help cover those seasonal expenses and support the holiday preparations.

If you plan to send money for the celebration, it's a good idea to do it before the end of October so your family has enough time to shop before November 1. Común Remittances allows eligible customers to send money from the United States to Mexico and other Latin American countries, with transfer fees starting at $2.99. Transfers typically arrive in less than 10 minutes, and money can be sent through the app without visiting a physical location. Eligible customers may be able to apply for a Común account with a valid passport, matrícula consular card, or more than 100 valid Latin American IDs.

Even from thousands of miles away, you can celebrate Día de Muertos whether it's in the US or by supporting your loved ones back home. Marigolds and pan de muerto make the celebration special but what matters most is honoring those who have passed by celebrating their lives in any way that you might find meaningful.

FAQ

What is the difference between Halloween and Día de Muertos?
Halloween is a tradition widely celebrated in the United States, focused on costumes, candy, and spooky fun, celebrated October 31. Día de Muertos is a Mexican tradition that honors deceased loved ones through ofrendas, food, and flowers, celebrated on November 1 and 2.

Is Día de Muertos celebrated in the United States?
Yes. Cities with large Latino populations hold public festivals, parades, and museum exhibits for Día de Muertos. Many families also celebrate at home with a private ofrenda.

What goes on a Día de Muertos ofrenda?
An ofrenda can include photos of the deceased, marigold flowers, pan de muerto, favorite foods and drinks, candles, papel picado, and sugar skulls. Salt and water are often included to represent purification and rest after the spirit's journey.

What do families in Mexico typically buy to prepare for Día de Muertos?
Marigolds, candles, pan de muerto, ingredients for the meal being offered, and materials for the ofrenda. Many families in the U.S. send money home to help with these costs.

How do I explain Día de Muertos to my U.S.-born children?
Focus on remembrance rather than fear. Share photos and stories about relatives who have passed, and let kids help build the ofrenda so they understand it as a way of keeping memory alive, not something scary.

What flowers are traditional for Día de Muertos?
Cempasúchil, also known as marigold, is the most traditional flower. Its bright color and strong scent are believed to guide spirits to the ofrenda so they can enjoy their favorite meal or drink.

Común is a financial technology company and not a bank. Banking services are provided by Community Federal Savings Bank, Member FDIC. The Común 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 debit cards are accepted.

Remittance 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.

Común Inc. may earn revenue from the conversion of foreign currencies.

Have you heard of Zelle? It is a highly popular digital payments platform in the United States. It allows users with accounts at affiliated banks—whether traditional banks, digital banks, or credit unions to easily send and receive money.

In 2024 alone, Zelle reported 151 million enrolled accounts, including individuals and small businesses, reflecting its widespread adoption among U.S. users.

If you need to send money outside the United States easily, for example Mexico, you may be wondering which banks in Mexico support Zelle.

However, this platform does not have agreements with any banks in Mexico, and it is mandatory to have a U.S. banking account to access its services.

Nevertheless, there are other options as efficient as Zelle for sending money to Mexico, such as banking accounts with integrated remittance services and international money transfer applications.

Below, we explain how to receive money through Zelle, the benefits it offers for users in the United States, and the alternatives available for sending money to other countries.

What is Zelle and Is It Possible to Use It in Mexico?

Zelle is a digital payments service that facilitates P2P (peer-to-peer) transfers at certain partner banks within the United States.

It is known for being a fast service, with money transfers reflected within minutes, in addition to being free and having broad coverage throughout the U.S.

It operates through the mobile apps of participating banks, as it is directly integrated with them and only allows money transfers to other Zelle users.

But which bank in Mexico is compatible with Zelle? Unfortunately, it is not possible to send or receive money through this platform in Mexico, as it is not designed for international money transfers and only complies with the technological and regulatory standards of the U.S. financial system.

Which Banks in Mexico Use Zelle? Everything You Need to Know

No bank in Mexico is compatible with Zelle services, meaning that international money transfers cannot be made through this platform.

To use Zelle, you must have a U.S. banking account at one of the affiliated banks.

Here is a list of some of the major banks that support Zelle in the United States:

1. Ally Bank
2. Bank of America
3. BMO Harris Bank
4. Capital One
5. Chase (JPMorgan Chase)
6. Citibank
7. Citizens Bank
8. Discover Bank
9. Fifth Third Bank
10. FirstBank
11. Frost Bank
12. Huntington Bank
13. PNC Bank
14. Regions Bank
15. TD Bank
16. Truist Bank
17. US Bank
18. Wells Fargo

Although Comun is not integrated with Zelle, this does not limit its functionality, as it is a comprehensive personal finance solution that goes beyond just money transfers.

How to Send Money to Mexico with Zelle? Answers and Efficient Alternatives

If you need to send money to Mexico quickly, you will have to choose a different service than Zelle, as it only allows bank transfers between U.S. accounts.

The main reasons Zelle is not available in Mexico are:

• To register with Zelle, you must access the online banking platform of one of the affiliated U.S. banks.
• You also need a U.S. phone number or email address.
• Zelle is not a remittance or international payment platform, so it does not have the capacity to convert currencies or deposit funds in international banks.
• Zelle does not comply with the regulations of financial institutions in Mexico, such as Banxico and the CNBV.

If you have used Zelle to send money within the United States, you are likely looking for a similarly reliable system to make international money transfers.

U.S. Banking Accounts with Integrated Remittance Services

In addition to traditional banks, there are alternatives that offer integrated remittance services to facilitate money transfers to Mexico.

Comun is a platform that meets the needs of many people in the United States, especially the immigrant community, by allowing remittances to be sent to loved ones easily, at very low cost, and through a single mobile application.

International Money Transfer Platforms

Another alternative for making international money transfers is to use platforms specialized in this type of transaction.

Examples include:

• Wise: sends money between accounts using the real time exchange rate.
• Remitly: offers international money transfers with standard or instant delivery.

The advantage of these platforms is that a bank account is not required, and their operation is accessible. However, the money transfer fees vary depending on factors such as the amount to be sent and the exchange rate.

Traditional International Bank Transfers to Mexico

You can also opt to make money transfers through traditional banks, for which you will need the SWIFT code of the receiving institution in Mexico and the recipient’s banking details.

Although it is a secure option, it is also one of the most expensive, due to high fees and intermediaries that increase the cost.

For example, a U.S. bank like Bank of America charges a $45 USD fee plus an average of 1% to 3% exchange rate margin. Therefore, in a money transfer of $1000 USD, the recipient receives approximately 900 pesos MXN less than with specialized international money transfer platforms.

Cash Deposit/Withdrawal Services at Retail Networks

If the recipient does not have access to a banking account, you can choose a service for cash deposit and withdrawal at physical locations.

Some examples include:

• Western Union: global network for bank transfers and cash delivery
• MoneyGram: allows money transfers to banking accounts and in cash
• Comun: also allows quick cash transfers

Beyond Zelle: Comun Simplifies Your Financial Life in the U.S. and Your Money Transfers to Mexico

Although Zelle is a very effective service for sending and receiving money within the United States, it has limitations that prevent international money transfers, making it more suitable for citizens who need to make frequent payments within U.S. territory.

For the immigrant community in the United States, it is important to choose a solution that not only facilitates money transfers but also offers a complete, accessible, and easy-to-use finance platform.

Comun is the platform that will simplify your financial life in the United States, offering the following benefits:

• Open an account easily using your official ID from your country.
• Forget about traditional fees: no opening fee, no monthly maintenance fee, and no minimum balance required.
• No hidden charges for remittances: your first international money transfer is free, and afterward you pay a fee starting at $2.99 USD per transfer, up to the applicable limits.
• Customer support also available in Spanish.
• Integrate your finances and remittance service in a single mobile application, making Comun the most suitable option.
• Obtain a Visa debit card to make purchases in physical stores.
• Access an extensive cash management network and make deposits at thousands of locations near you.

Open your Comun account and access a financial service without complications.

Frequently Asked Questions

Do I need a U.S. account to use Zelle?

Yes, Zelle is only available through the online banking platforms of affiliated U.S. banks.

Can I send money to Mexico via Zelle if I have a U.S. account?

No, no bank in Mexico is compatible with Zelle.

What are the best alternatives to Zelle for sending money to Mexico?

Comun: a fintech platform that provides access to an account and remittance capabilities.

Does Comun offer Zelle for sending money to Mexico?

Comun is not connected to Zelle, but you can send money to Mexico for a fee starting at $2.99 USD per transfer up to the applicable limits.

How do I set Zelle to Spanish?

Since it is a service available through the affiliated bank apps, you must access their settings and select Spanish as the preferred language.

How do I download Zelle?

Go to the Play Store or App Store and search for Zelle. Remember, it is only available in the United States.

‍

A joint bank account is an account shared by two or more people, commonly used by couples, families, or business partners to manage shared expenses. Before opening one, it's important to understand both its benefits and its risks.

What Is a Joint Bank Account?

A joint bank account is a single account shared by two or more people, letting all account holders deposit, withdraw, and manage money from the same account. It's perfect for people who need to manage finances together, like spouses, parents and children, or business partners. Joint accounts can be set up as joint checking or joint savings accounts, depending on the co-owners' financial needs.

Click here to learn more about personal bank accounts in the U.S.

Benefits of Joint Bank Accounts

Managing shared expenses becomes much simpler with a joint account. Instead of juggling multiple accounts for different payments, you can handle household bills, car payments, mortgage payments, and other shared expenses from one place. This simplifies tracking and organizing your finances and reduces the need to transfer funds between separate accounts.

With a joint bank account, both account holders have access to the funds. This can be incredibly convenient in emergencies or when one partner is unavailable. For example, if a spouse is traveling or incapacitated, the other can still pay bills and manage shared expenses without delay. This equal access ensures financial management continues smoothly no matter the circumstances.

Open your account with Común now. Banking designed specifically for you.

Shared Financial Goals

Joint accounts are fantastic for working toward shared financial goals. Whether you're saving for a house, a vacation, or your child's education, having a joint account ensures both partners are on the same page and contributing toward these goals together. This shared approach can foster stronger financial planning and more cohesive spending and saving habits.

A joint bank account improves transparency and trust in relationships. It encourages open communication about finances and helps ensure both parties are aware of and agree on how money is being spent and saved. This can lead to better financial decisions and reduce the potential for misunderstandings or conflicts over money management.

In emergencies, a joint account ensures one partner can access funds if the other is incapacitated. This is especially important for older couples or those with health concerns, providing peace of mind that finances can be managed even in difficult times. Older parents and adult children can also benefit from this setup, ensuring necessary expenses are covered smoothly.

Considerations for Shared Accounts

Sharing an account means sharing individual control over your finances. It's important to have mutual agreements about spending and to trust your partner's financial decisions. This could be a drawback for those who prefer full autonomy over their money. Having both joint and separate accounts can balance shared financial management with personal spending autonomy.

Managing money together can sometimes lead to disagreements. To avoid conflict, set spending limits and have regular financial discussions to make sure both parties are on the same page. Clear communication is key to reducing potential disputes, and consulting a financial planner or wealth advisor can also help manage joint accounts effectively. Setting clear guidelines for deposits, withdrawals, and spending means deciding together how much each person will contribute to the joint account, whether a fixed amount or a percentage of income.

Rules for Spending and Saving

This can include setting rules for large withdrawals or purchases, requiring both partners' agreement to avoid disputes. Having a mutual understanding of how the account will be managed can prevent misunderstandings and foster a cooperative approach to money management.

Aligning Long-Term Financial Goals

Align your long-term financial goals, like saving for a house, retirement, or a child's education. Setting and working toward shared goals strengthens your financial partnership and provides clear direction for your joint account. Regularly review and adjust your goals as needed to stay on track and adapt to any changes in your financial situation.

Legal Aspects

Joint accounts come with legal responsibilities, like liability for overdrafts and debts. It's essential to have clear agreements, especially in business partnerships, to avoid legal complications. Understand the legal aspects and make sure both parties are aware of their responsibilities. The Federal Deposit Insurance Corporation (FDIC) insures joint accounts, but it's important to understand the coverage limits and implications.

Joint accounts can affect both account holders' credit scores. Responsible management and regular account monitoring are crucial to avoiding negative impacts on your credit. Make sure both partners are committed to maintaining good financial habits. Any debt incurred on the joint account will show up on both account holders' credit reports, so it's important to manage the account carefully.

Understanding the Legal and Tax Implications

Be aware of the legal and tax implications of having a joint bank account. In some cases, joint accounts can affect your individual credit standing and tax liabilities. Consult a financial planner or banking advisor to understand the impact on your personal finances, and make sure you comply with any legal requirements. This understanding helps you make informed decisions and avoid potential legal or financial issues.

Tips for Successfully Managing a Joint Bank Account

Communication is key, and regular financial discussions are essential. Talk openly about your financial goals, spending habits, and any concerns you may have. Schedule regular check-ins to review your joint account and discuss any changes in income, expenses, or savings goals. Open communication ensures both partners stay on top of the account's status and can address any issues promptly. Managing a joint bank account takes teamwork, communication, and clear guidelines. Here are some tips to help you navigate this financial arrangement smoothly:

• Keep Individual Accounts for Personal Spending. Keeping individual accounts for personal spending can help avoid conflict and ensure both partners have some financial independence. Separate checking and savings accounts can complement a joint account by providing a space for individual spending and saving. This setup lets each person manage their own money separately while still contributing to shared expenses through the joint account. It also reduces potential conflicts over personal purchases and spending habits. Introducing Común.app: for those looking to keep individual accounts alongside a joint account, Común.app offers a perfect solution. With Común.app, you can easily manage your personal finances while tracking your shared expenses. The app provides a user-friendly platform for budgeting, saving, and making payments, ensuring you have full control over your individual spending. This can be especially helpful for couples who want to balance shared financial goals with personal financial autonomy.
• Use Financial Tools and Resources. Make the most of the financial tools and resources available at your bank or financial institution. Many banks offer budgeting tools, financial planning services, and wealth advisors who can provide guidance on managing joint and separate accounts. These resources can help you and your partner stay on track with your financial goals and make informed decisions.
• Set Up a Contingency Plan. Have a contingency plan in case of emergencies or major life changes. Discuss what would happen if one partner becomes incapacitated, loses their job, or if the relationship changes. Having a clear plan ensures both partners are prepared for unforeseen circumstances and can keep managing the joint account effectively.

By following these tips, you can successfully manage your joint bank account, fostering a collaborative and transparent financial partnership. Remember, the key to a successful joint account is open communication, clear guidelines, and mutual respect.

We'll show you how to manage your personal accounts in the U.S. here

Conclusion

Joint bank accounts offer numerous benefits, from simplifying finances to fostering transparency and trust. However, they also require careful consideration and clear communication to avoid potential pitfalls. Weigh the pros and cons carefully and make sure both partners are on the same page before opening a joint account. Financial situations can change, so it's essential to stay flexible and adaptable. Regularly reassess your joint account setup and make adjustments as needed. Whether it's changing your contribution amounts, adjusting spending limits, or reevaluating your financial goals, staying adaptable ensures your joint account continues to meet both partners' needs.

‍

What is a joint bank account?

It's a single account where two or more people can deposit, withdraw, and manage money, typically used by couples, families, or business partners.

What are the benefits of a joint account?

It makes paying shared expenses (rent, utilities) easier without constant transfers between individual accounts, and lets another holder access funds in an emergency.

What should I consider before opening a joint account?

All holders have equal access to the money, which requires trust and clear agreements about how funds are used. It's also important to agree on how to split expenses and review activity regularly.

Frequently asked questions

Who can open a joint bank account?

Generally two or more people who share expenses, such as couples, family members, or business partners.

Do all holders have equal access to the money?

Yes, in a standard joint account, all holders can deposit, withdraw, and manage the money equally.

What happens if one holder has a legal or credit issue?

It can affect the whole account; it's important to consider this risk before opening a joint account.

Is it easy to close or unlink from a joint account?

The process varies by institution; it generally requires agreement or signatures from all holders.

How do I avoid conflicts in a joint account?

By agreeing upfront on how expenses are split, reviewing activity often, and keeping open communication between holders.

Is a joint account better than keeping separate accounts?

It depends on each person's situation; many couples and families combine both: a joint account for shared expenses and individual accounts for personal spending.

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

Are you looking for an option to send and receive money within the United States? In the digital era, it is essential to have access to an immediate, secure, and free transfer service.

Sometimes sending and receiving money can be challenging due to high fees or limited access to the banking system. For this reason, knowing how to register for Zelle and learning about alternative solutions such as Comun will be extremely useful for sending money without complications through the most efficient services.

In this guide, we will explain what Zelle is, how to register, what requirements are necessary to send and receive money, and why Comun works as a complementary solution to expand your options when facing restrictions that could hinder your access to mobile payment services.

What Is Zelle and How Does It Work for Your Daily Payments?

Zelle is a digital P2P (peer-to-peer) payment service available in the United States. It is associated with more than 20,200 traditional and digital banks and credit unions, such as Bank of America, Wells Fargo, Ally Bank, Capital One, and Navy Federal Credit Union. Zelle is well known for its wide coverage and ease of transferring funds between users of this system.

Other advantages of Zelle include:

• Near-Instant Transfers
  Users can receive their money within minutes.
  
  
• Ease of Use
  It is directly linked to bank applications, eliminating the need for an external app.
  
  
• Security
  It is backed directly by banking institutions, so you can be confident that your money will reach its destination.
  
  
• Usage Fees
  You can send and receive money without paying commissions to other Zelle users.
  
  

Please note that Zelle is only available within the United States. If you need to make international transfers, find the best options here.

How Does Zelle Work?‍

Zelle operates through its connection with their affiliated banks’ applications. To send and receive money, you must first verify that your bank is part of this service’s network.

If so, complete your registration directly through your bank’s online platform and begin sending and receiving money to your account using a phone number or email address.

Using Zelle is very practical for daily transactions such as paying rent or purchasing goods and services. It is also a secure way to send money to family and friends.

In addition to Zelle, there are other alternatives for sending and receiving money within the United States. Discover the 6 best mobile apps of 2025.

What Changed in Zelle in January 2025?

‍
Zelle announced an important change in its application that took effect in April 2025. The change consists of eliminating transfers through its standalone app, as the service can now only be accessed through the online banking platforms of U.S. financial institutions integrated into its network.

If you wish to download the Zelle app, you may still use it to review your payment history.

How to Download Zelle to My Phone: Key Requirements to Register and Use It Without Complications
To have a Zelle account, you only need to meet the following requirements:

• U.S. Mobile Phone Number or Email Address
  To use Zelle, you only need to register a phone number and an email address. Your contacts can use either of these to send you money easily.
• U.S. Bank Account
  Since Zelle operates directly through bank connections, having an account with one of the institutions integrated into its network is mandatory.
  Check the list of banks that offer Zelle on their website and ensure you will be able to use the service in 2025.
  
  
• Banking Application
  Finally, you must download your financial institution’s mobile banking app, as you will access Zelle through it.
  
  

What Can I Do If I Cannot Open an Account in the United States ?

Sometimes, opening an account is not accessible for many individuals, whether due to lack of required documentation or insufficient credit history.

If this is your situation, Comun is a great alternative for sending money to your loved ones safely, quickly, and at low cost.

Comun is a platform that understands the needs of immigrant communities in the United States. Open your account today and experience an accessible alternative for your finances.

4 Simple Steps to Register for Zelle‍

If you are wondering how to open a Zelle account, simply follow these steps:

1. Open Your Bank’s Mobile Application (If It Is a Zelle Partner)
Once you verify that your bank works with Zelle, open the mobile application and register if you have not done so yet.

2. Locate the Transfers and Payments Section
In the main menu, click on the transfers and payments section, then select “Send Money with Zelle.”

3. Register Your U.S. Phone Number or Email Address
To send and receive money with Zelle, it is necessary to register a U.S. phone number and an email address.

4. Link Your Bank Account
Confirm your information and start sending and receiving money with Zelle quickly after completing a test transaction.

With Your Comun Account, Make and Receive Payments Easily and Quickly

Undoubtedly, Zelle is an excellent tool for bank transfers, offering a fast and very simple service to use. Although it is only available to users of participating banks, it has broad coverage.

While Zelle represents a practical solution for many users, it has limitations such as requiring an eligible U.S. bank account.

Comun, on the other hand, is an alternative solution that goes beyond traditional limitations, as it allows you to send international transfers using your official national identification. It is designed for immigrants in the United States and offers simplified financial management. This service provides you with:

• A debit card to make purchases at physical establishments
  
• Access to a mobile app for better financial control
  
• The ability to send remittances to your loved ones for a fee starting at $2.99 per transaction up to the applicable limits
  
• The opportunity to join our community that understands your needs
  

Download the Comun app and enjoy transparent, easy, and personalized finance designed for you.

‍

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.