Immigrant workers helped by Financial Institutions:

Workers give cash to a clerk, who records the transaction and assigns a confirmation number. Using that number, family members can pick up the cash at one of the stores affiliated with the transfer company in their country.

In recent years, leaders of the major industrialized democracies including the United States have called for transfer costs to be reduced. Fees have dropped from 15 percent to 6 percent for an average transaction, according to recent studies.

"Sending money is something migrants have done forever, but it's easier and cheaper than it ever was," said Roberto Suro, director of the Pew Hispanic Center. In the last five years, dozens of banks and credit unions have launched programs to lure immigrants to transfer money with them. ... he_m.shtml