Processing times can vary depending on the type of transaction. Here’s a simple guide to help you know what to expect.
💵 Cash Deposits
🏧 Allpoint+ ATM deposits
Cash deposits made at Allpoint+ ATMs are usually available immediately.
Good to know
No fee for ATM cash deposits
You can find nearby Allpoint+ ATMs in the Move Money section of the Común app
🧾 Barcode cash deposits (in-store)
Cash deposits made at partner stores using a barcode are usually available within 10 minutes.
At first, the deposit may appear as pending before updating to available.
Fees & limits
$3.50 fee per deposit
Minimum deposit: $5
Maximum deposit: usually $500 per transaction
(some stores allow up to $1,000)
Important
The barcode is valid for 15 minutes
Generate it only once you are already at the store
🔁 Bank Transfers (ACH)
ACH transfers between U.S. bank accounts typically take 3–5 business days.
Incoming transfers (external bank → Común)
Usually available within up to 5 business days
Outgoing transfers (Común → external bank)
Usually take 3–5 business days
Important
ACH transfers are only available within the United States
International wire transfers and SWIFT transfers are not supported
👉 If your transfer has not arrived after 5 business days, contact Común support and provide proof of the transfer (receipt or bank confirmation).
🏦 Plaid Transfers (linked external bank account)
Plaid allows you to connect your personal external U.S. bank account to move money between accounts.
Processing times
Deposit to Común: up to 3 business days
Withdrawal to external bank: 3–6 business days
Important
Transfers may take slightly longer for accounts opened within the last 30 days.
💼 Direct Deposit & Payroll
Direct deposits such as payroll, government payments, or tax refunds usually take up to 5 business days after the sender initiates the transfer.
First direct deposit
Your very first direct deposit into Común may take longer than normal and could arrive during your employer’s next pay cycle.
👉 This only happens the first time. Future deposits should follow the regular timeline.
How to set up direct deposit
Open the Común app
Go to Move Money
Select Automatically deposit income
🌎 International Remittances
🏦 Bank transfer remittances
Remittances sent to bank accounts in Latin America usually arrive within 30 minutes after the transfer is confirmed.
Timing may vary depending on the receiving bank.
💵 Cash pickup remittances
Cash pickup times vary by country and pickup location.
Typical timing
Usually available within a few hours
In some cases, it may take up to 1 business day
Important
The recipient must present a valid government-issued ID
If the cash is not picked up within 7 days, the remittance will be canceled and refunded to your Común balance
⏳ If a remittance is delayed
Sometimes a remittance may be placed under review for security reasons.
If this happens, Común may email the sender requesting additional information.
👉 Responding quickly helps avoid further delays.
📄 Mobile Check Deposits
Mobile check deposits usually take 3–6 business days to process after submission.
During this time, the deposit will appear as pending.
Common reasons a check may be rejected
Missing or incorrect endorsement
Name mismatch
Duplicate deposit
Expired check
If your check is rejected, you’ll receive an email explaining the reason.
💳 Merchant Refunds
Refunds issued by merchants can take up to 7 business days to appear in your Común account.
This timing depends on the merchant and card network and cannot be expedited by Común.
Important
If the refund has not arrived after 7 business days, you may file a dispute
If the merchant gave a longer timeline (for example 10–14 days), it’s best to wait until that timeframe passes first
📅 What counts as a business day?
A business day is any Monday through Friday that is not a U.S. federal holiday.
Transfers started on weekends or holidays will begin processing on the next business day.
👉 For example: a transfer sent on Friday night may not begin processing until Monday.
U.S. federal holidays include:
New Year’s Day
Martin Luther King Jr. Day
Presidents’ Day
Memorial Day
Juneteenth
Independence Day
Labor Day
Columbus Day
Veterans Day
Thanksgiving
Christmas Day