Cuentas y servicios bancarios | Oficina para la Protección Financiera del Consumidor

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que conozca cuáles opciones tiene.</p> </div> </div> <div class="m-hero__image-wrapper"> <div class="m-hero__image"></div> </div> </div> <style> .m-hero { --m-hero-background-color: #C8E3BC; background-color: #C8E3BC; } .m-hero__image { background-image: url('https://files.consumerfinance.gov/f/images/SMALL_bank_hero.original.png'); filter: progid:DXImageTransform.Microsoft.AlphaImageLoader( src='https://files.consumerfinance.gov/f/images/SMALL_bank_hero.original.png', sizingMethod='scale'); padding-bottom: 55.833333333333336%; } @media screen and (min-width: 37.5625em) { .m-hero__image { background-image: url('https://files.consumerfinance.gov/f/images/large_screen_bank_accounts_big.original.png'); filter: progid:DXImageTransform.Microsoft.AlphaImageLoader( src='https://files.consumerfinance.gov/f/images/large_screen_bank_accounts_big.original.png', sizingMethod='scale'); padding-bottom: 23.2520325203252%; } .m-hero--jumbo .m-hero__wrapper, .m-hero--50-50 .m-hero__wrapper, .m-hero--overlay .m-hero__wrapper { background-image: url('https://files.consumerfinance.gov/f/images/large_screen_bank_accounts_big.original.png'); filter: progid:DXImageTransform.Microsoft.AlphaImageLoader( src='https://files.consumerfinance.gov/f/images/large_screen_bank_accounts_big.original.png', sizingMethod='scale'); } } </style> </section> </div> </div> <div class="u-layout-grid__wrapper"> <div class="u-layout-grid__main"> <div class="block block--sub block--flush-top"> <ul dir="ltr" class="m-translation-links"> <li> <a href="/consumer-tools/bank-accounts/" lang="en" hreflang="en" translate="no">English </a> </li> <li>Español</li> </ul> </div> <div class="block block--flush-top"> <div class="o-info-unit-group" id="comience-aqui" > <h2 id="comience-aqui">Comience aquí</h2> <div class="content-l"> <div class="content-l__col content-l__col-1-2"> <div class="m-info-unit"> <div class="m-info-unit__heading-text"> <h3 id="lo-basico">Lo básico</h3> </div><div class="m-info-unit__content"> <h4 data-block-key="a2uni" id=""><a class="a-link" href="https://files.consumerfinance.gov/f/documents/cfpb_adult-fin-ed_checklist-for-opening-an-account_es.pdf"><span class="a-link__text">Lista de pasos para abrir una nueva cuenta en un banco o cooperativa de crédito</span> <svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--download" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a></h4><p data-block-key="zeocf">Usted podría pensar que una cuenta corriente o de ahorros es lo que necesita. Esta lista le ayudará a reunir la información que va a necesitar para abrir una cuenta y para entender mejor cuáles opciones tiene. <a class="a-link" href="https://files.consumerfinance.gov/f/documents/cfpb_adult-fin-ed_checklist-for-opening-an-account_es.pdf"><span class="a-link__text">Lea más</span> <svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--download" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a></p><h4 data-block-key="zuctf" id=""><a href="/es/obtener-respuestas/como-puedo-conseguir-dinero-rapidamente-despues-de-depositar-un-cheque-en-mi-cuenta-de-cheques-que-es-un-deposito-en-retencion-es-1023/">Sepa cuándo estarán disponibles los fondos de un cheque que haya depositado</a></h4><p data-block-key="0gxh2">Cada banco o cooperativa de crédito tiene sus propias reglas, acerca de cuándo podrá usted acceder al dinero después de depositar un cheque, sin embargo, las leyes federales establecen un tiempo máximo que el banco o cooperativa de crédito puede hacerle esperar. <a href="https://www.consumerfinance.gov/es/obtener-respuestas/como-puedo-conseguir-dinero-rapidamente-despues-de-depositar-un-cheque-en-mi-cuenta-de-cheques-que-es-un-deposito-en-retencion-es-1023/">Lea más</a><br/></p><p data-block-key="0aevq"></p><p data-block-key="kp3ra"></p><h4 data-block-key="9m7j0" id=""><a href="/about-us/blog/understanding-overdraft-opt-choice/">Entienda lo que significa tomar la opción “opt-in“ para cobertura de sobregiros (en inglés)</a></h4><p data-block-key="6qyho"></p><p data-block-key="yl2nk">Podrían cobrarle tarifas por sobregiros bancarios causados por cheques, pagos electrónicos, o transacciones con tarjetas de débito. Hay ciertos pasos que usted puede seguir para reducir o eliminar las tarifas por sobregiros asociadas a su cuenta. <a href="/about-us/blog/understanding-overdraft-opt-choice/">Lea más (en inglés)</a> </p> <ul class="m-list m-list--links u-mt15"> <li class="m-list__item"><a class="a-link a-link--jump" href="./respuestas/lo-basico/"> <strong> <span class="a-link__text">Explorar lo básico</span> </strong> </a> </li> </ul> </div> </div> </div> <div class="content-l__col content-l__col-1-2"> <div class="m-info-unit"> <div class="m-info-unit__heading-text"> <h3 id="palabras-claves">Palabras claves</h3> </div><div class="m-info-unit__content"> <ul class="m-list m-list--links u-mt15"> <li class="m-list__item"><a class="a-link a-link--jump" href="./respuestas/palabras-claves/#camara-de-compensacion-automatica"> <span class="a-link__text">Cámara de compensación automática</span> </a> </li> <li class="m-list__item"><a class="a-link a-link--jump" href="./respuestas/palabras-claves/#cuenta-conjunta"> <span class="a-link__text">Cuenta conjunta</span> </a> </li> <li class="m-list__item"><a class="a-link a-link--jump" href="./respuestas/palabras-claves/#fiduciario"> <span class="a-link__text">Fiduciario</span> </a> </li> <li class="m-list__item"><a class="a-link a-link--jump" href="./respuestas/palabras-claves/#linea-de-credito-personal"> <span class="a-link__text">Línea de crédito personal</span> </a> </li> <li class="m-list__item"><a class="a-link a-link--jump" href="./respuestas/palabras-claves/#numero-individual-de-identificacion-del-contribuyente"> <span class="a-link__text">Número individual de identificación del contribuyente</span> </a> </li> <li class="m-list__item"><a class="a-link a-link--jump" href="./respuestas/palabras-claves/#pago-con-debito-automatico"> <span class="a-link__text">Pago con débito automático</span> </a> </li> <li class="m-list__item"><a class="a-link a-link--jump" href="./respuestas/palabras-claves/#penalidad-por-fondos-insuficientes"> <span class="a-link__text">Penalidad por fondos insuficientes</span> </a> </li> <li class="m-list__item"><a class="a-link a-link--jump" href="./respuestas/palabras-claves/#poder-legal"> <span class="a-link__text">Poder legal</span> </a> </li> <li class="m-list__item"><a class="a-link a-link--jump" href="./respuestas/palabras-claves/#representante-del-beneficiario"> <span class="a-link__text">Representante del beneficiario</span> </a> </li> <li class="m-list__item"><a class="a-link a-link--jump" href="./respuestas/palabras-claves/#retencion-de-deposito"> <span class="a-link__text">Retención de depósito</span> </a> </li> <li class="m-list__item"><a class="a-link a-link--jump" href="./respuestas/palabras-claves/#sobregiro"> <span class="a-link__text">Sobregiro</span> </a> </li> <li class="m-list__item"><a class="a-link a-link--jump" href="./respuestas/palabras-claves/"> <strong> <span class="a-link__text">Explorar palabras claves</span> </strong> </a> </li> </ul> </div> </div> </div> </div> </div> </div> <div class="block"> <div class="o-info-unit-group" id="entienda-su-situacion" > <h2 id="entienda-su-situacion">Entienda su situación</h2> <div class="content-l"> <div class="content-l__col content-l__col-1-2"> <div class="m-info-unit"> <div class="m-info-unit__heading-text"> <h3 id="problemas-comunes">Problemas comunes</h3> </div><div class="m-info-unit__content"> <ul class="m-list m-list--links u-mt15"> <li class="m-list__item"><a class="a-link a-link--jump" href="/es/obtener-respuestas/como-puedo-recuperar-mi-dinero-despues-de-descubrir-una-transaccion-no-autorizada-o-la-falta-de-dinero-de-mi-cuenta-bancaria-es-1017/"> <span class="a-link__text">Usted ha encontrado una transacción no autorizada en su cuenta de banco o cooperativa de crédito</span> </a> </li> <li class="m-list__item"><a class="a-link a-link--jump" href="/es/obtener-respuestas/me-gustaria-poder-tener-la-ayuda-de-mis-amigos-o-familiares-con-el-pago-de-mis-facturas-y-actividades-bancarias-cuales-son-mis-opciones-es-1145/"> <span class="a-link__text">Le gustaría recibir ayuda de familiares o amigos con el manejo de su cuenta de banco o cooperativa de crédito</span> </a> </li> <li class="m-list__item"><a class="a-link a-link--jump" href="/es/obtener-respuestas/puedo-cobrar-un-cheque-en-cualquier-banco-o-cooperativa-de-credito-es-931/"> <span class="a-link__text">Quiere saber si puede cobrar un cheque en cualquier banco o cooperativa de crédito</span> </a> </li> <li class="m-list__item"><a class="a-link a-link--jump" href="./respuestas/problemas-comunes/"> <strong> <span class="a-link__text">Explorar problemas comunes</span> </strong> </a> </li> </ul> </div> </div> </div> <div class="content-l__col content-l__col-1-2"> <div class="m-info-unit"> <div class="m-info-unit__heading-text"> <h3 id="conozca-sus-derechos">Conozca sus derechos</h3> </div><div class="m-info-unit__content"> <ul class="m-list m-list--links u-mt15"> <li class="m-list__item"><a class="a-link a-link--jump" href="/es/obtener-respuestas/puedo-obtener-una-cuenta-corriente-sin-un-numero-de-seguro-social-es-929/"> <span class="a-link__text">Usted no necesita un número de Seguro Social para tener una cuenta en un banco o cooperativa de crédito</span> </a> </li> <li class="m-list__item"><a class="a-link a-link--jump" href="/es/obtener-respuestas/puede-un-cobrador-de-deudas-quitarme-los-beneficios-de-seguro-social-o-de-va-es-1157/"> <span class="a-link__text">Sus beneficios federales podrían estar protegidos de ser tomados o “garnished” (embargados) por cobradores de deudas</span> </a> </li> <li class="m-list__item"><a class="a-link a-link--jump" href="/es/obtener-respuestas/cuando-me-pueden-negar-una-cuenta-de-cheques-en-base-a-mi-historial-bancario-es-1113/"> <span class="a-link__text">Usted todavía tiene opciones aunque le hayan negado abrir una cuenta corriente a causa de su historial bancario</span> </a> </li> <li class="m-list__item"><a class="a-link a-link--jump" href="./respuestas/conozca-sus-derechos/"> <strong> <span class="a-link__text">Explorar sus derechos</span> </strong> </a> </li> </ul> </div> </div> </div> </div> </div> </div> <div class="block"> <div class="o-info-unit-group" id="tome-acciones" > <h2 id="tome-acciones">Tome acciones</h2> <div class="content-l"> <div class="content-l__col content-l__col-1-2"> <div class="m-info-unit"> <div class="m-info-unit__heading-text"> <h3 id="paso-a-paso">Paso a paso</h3> </div><div class="m-info-unit__content"> <ul class="m-list m-list--links u-mt15"> <li class="m-list__item"><a class="a-link a-link--jump" href="/es/obtener-respuestas/como-puedo-detener-pagos-automaticos-desde-mi-cuenta-bancaria-es-2023/"> <span class="a-link__text">Cómo detener pagos automáticos de su cuenta de banco o cooperativa de crédito</span> </a> </li> <li class="m-list__item"><a class="a-link a-link--jump" href="/documents/5420/cfpb_adult-fin-ed_ways-to-pay-your-bills_es.pdf"> <span class="a-link__text">Cómo usar el pago de facturas en línea y las otras funciones de su cuenta</span> <svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--download" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a> </li> <li class="m-list__item"><a class="a-link a-link--jump" href="/es/obtener-respuestas/cual-es-la-mejor-manera-de-transferir-mi-cuenta-corriente-a-un-banco-o-a-una-cooperativa-de-credito-distinta-es-985/"> <span class="a-link__text">Cómo llevar su cuenta corriente a otro banco o cooperativa de crédito</span> </a> </li> <li class="m-list__item"><a class="a-link a-link--jump" href="./respuestas/paso-a-paso/"> <strong> <span class="a-link__text">Explorar paso a paso</span> </strong> </a> </li> </ul> </div> </div> </div> <div class="content-l__col content-l__col-1-2"> <div class="m-info-unit"> <div class="m-info-unit__heading-text"> <h3 id="enviar-una-queja">Enviar una queja</h3> </div><div class="m-info-unit__content"> <p data-block-key="wfy5y">¿Tiene problemas con algún producto o servicio financiero? Si no ha podido resolverlos con la compañía, usted puede enviarnos una queja. Díganos cuál es su problema, nosotros se lo haremos llegar a la compañía y trabajaremos con ella para obtener una respuesta para usted, generalmente, en 15 días.<br/></p> <ul class="m-list m-list--links u-mt15"> <li class="m-list__item"><a class="a-link a-link--jump" href="/es/enviar-una-queja/"> <span class="a-link__text">Enviar una queja</span> </a> </li> </ul> </div> </div> </div> </div> </div> </div> </div> <aside class="u-layout-grid__sidebar"> <div class="block block--flush-top"> <div class="m-reusable-text-snippet"> <h3 data-block-key="k7xau" id="quienes-somos">Quiénes somos</h3><p data-block-key="dzrkq">Somos la Oficina para la Protección Financiera del Consumidor (CFPB, por sus siglas en inglés), una agencia del gobierno de los Estados Unidos que se asegura de que bancos, prestamistas y otras compañías financieras le traten de forma justa.</p><p data-block-key="529ug"><a href="https://www.consumerfinance.gov/es/quienes-somos/">Descubra cómo el CFPB puede ayudarle</a><br/></p> </div> </div> <div class="block"> <div class="m-related-links"> <header class="m-slug-header"> <h2 class="m-slug-header__heading" id="aun-tiene-preguntas"> ¿Aún tiene preguntas? </h2> </header> <p data-block-key="t5eua">Llámenos si no ha podido encontrar lo que está buscando.<br/></p><p data-block-key="aynez"><b>(855) 411-2372</b></p><p data-block-key="yghbd"><b>Teléfono TTY/TDD: (855) 729-2372</b></p> </div> </div> <div class="block"> <div class="m-related-links"> <header class="m-slug-header"> <h2 class="m-slug-header__heading" id="como-le-protege-el-cfpb"> Cómo le protege el CFPB </h2> </header> <ul class="m-list m-list--links"> <li class="m-list__item"> <a href="/about-us/newsroom/cfpb-takes-steps-to-improve-checking-account-access/" class="a-link a-link--jump"> <span class="a-link__text">El CFPB ha tomado medidas para mejorar el acceso de los consumidores a cuentas corrientes (en inglés)</span> </a> </li> <li class="m-list__item"> <a href="/about-us/blog/what-you-need-know-if-you-were-harmed-wells-fargo/" class="a-link a-link--jump"> <span class="a-link__text">Lo que necesita saber si resultó perjudicado por Wells Fargo (en inglés)</span> </a> </li> <li class="m-list__item"> <a href="/about-us/newsroom/cfpb-and-financial-regulators-issue-guidance-how-banks-handle-consumer-deposit-account-discrepancies/" class="a-link a-link--jump"> <span class="a-link__text">El CFPB y demás reguladores financieros explican cómo deben los bancos manejar las discrepancias en los depósitos hechos en cuentas de consumidores (en inglés)</span> </a> </li> </ul> </div> </div> <div class="block"> <div class="m-related-links"> <header class="m-slug-header"> <h2 class="m-slug-header__heading" id="recursos-para-imprimir"> Recursos para imprimir </h2> </header> <ul class="m-list m-list--links"> <li class="m-list__item"> <a class="a-link a-link--jump" href="https://files.consumerfinance.gov/f/201406_cfpb_consumer-tips_mobile-rfi.pdf"> <span class="a-link__text">Consejos sobre cómo usar sus dispositivos móviles para acceder a servicios financieros (en inglés)</span> <svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--download" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a> </li> <li class="m-list__item"> <a class="a-link a-link--jump" href="https://pueblo.gpo.gov/CFPBPubs/CFPBPubs.php?PubID=13141"> <span class="a-link__text">Cómo seleccionar productos y servicios financieros</span> <svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.7 1.7 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.65 1.65 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a> </li> </ul> </div> </div> <div class="block"> <div class="m-reusable-text-snippet"> <header class="m-slug-header"> <h2 class="m-slug-header__heading"> Declaración legal </h2> </header> <p>El contenido de esta página ofrece información general para los consumidores. 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