Four modules. Each built around what community leaders in Veracruz actually need to know about the formal financial system.
A basic savings account is the entry point into the formal financial system for many people. This module explains what it is, how it differs from other account types, and what protections come with it under Mexican law.
Participants learn the four account levels established by CNBV regulations, what each level allows, and what documentation is required to open each type. The concept of simplified accounts, which require minimal documentation and are designed specifically for financial inclusion, receives particular attention.
Definition, purpose, and how it differs from a checking account or a prepaid card.
The four CNBV account levels, their transaction limits, and the documents needed to open each one.
How to interpret a basic account statement: balance, movements, commissions, and cut-off dates.
IPAB deposit insurance coverage and what it means for account holders in practice.
SPEI (Sistema de Pagos Electrónicos Interbancarios) is Mexico's interbank payment infrastructure, operated by Banco de México. It enables near-instant transfers between accounts at different financial institutions.
This module demystifies the process. Participants learn what information is needed to send a transfer, what CLABE is and how to find it, why transfer times vary, and what to do if a transfer doesn't arrive.
The 18-digit interbank account number required for all SPEI transfers. How to find it and verify it's correct.
Daily and per-transaction limits that vary by account level and institution. How to check your own limits.
Why some transfers arrive immediately and others take longer. The role of business hours and cut-off times.
Steps to take if money leaves your account but doesn't arrive at its destination. Who to contact and what documentation to gather.
CONDUSEF (Comisión Nacional para la Protección y Defensa de los Usuarios de Servicios Financieros) is the government body that protects financial service users in Mexico. Many people don't know it exists, or don't know how to use its services.
This module explains what CONDUSEF can and cannot do, how to file a complaint (PRES), and what the resolution process looks like. Participants also learn about the Registro de Prestadores de Servicios Financieros (SIPRES), which allows anyone to verify whether a financial entity is officially registered.
Its mandate, how it's funded, and the types of cases it handles.
In person, online, and by phone. What information to bring and what to expect from the process.
CONDUSEF offers free advice on financial contracts, commissions, and disputes. How to access this service.
Understanding how fraud works is the first step in not falling for it. This module covers the most common digital fraud schemes targeting bank account holders in Mexico.
Fraudulent emails that impersonate banks or government agencies. How to identify them by checking sender addresses, spotting urgency language, and verifying links before clicking.
Fraudulent SMS messages that prompt recipients to call a number or click a link. Common scripts used by fraudsters and how to recognize them.
Phone calls from people claiming to be bank representatives. What information a real bank will never ask for over the phone, and what to do when you receive a suspicious call.
How fraudsters gain access to accounts through stolen credentials, SIM swapping, or social engineering. Steps to protect account access and what to do if an account is compromised.
Contact us to find out how sessions are organized in your area or how to bring the program to your community.
Educational program. Free of charge. No products sold.