It depends on how you plan to use your account and which features you need.
Choose the Payments-Only Account if...
You only need to send and receive money quickly using debit cards from U.S. 🇺🇸 banks that you already have.
You prefer a simpler and faster sign-up process.
You don't need direct deposits, mobile check deposits, or ACH transfers.
Choose the Full Debit Account if...
You want to receive your paycheck or direct deposits into your Común account.
You need to deposit checks or make ACH transfers.
You want your own physical Común debit card.
You'd like higher transaction limits and lower fees.
You want access to all of Común's banking features.
Not sure?
You can start with a Payments-Only Account and upgrade to a Full Debit Account at any time from the app—without losing your account history or your linked cards. 💸