I brought up the idea of having someone take out and redeposit money in a US bank account only for three months prior to applying for an FM3 and as a last resort if monthly income is an immigration issue. A close friend or relative is a pretty safe way to do this, certainly a lot safer than putting your money in the hands of financial "professionals" based on recent history. Three people (actually two couples and a single person) have followed this advice without incident, and it allows them to obtain and renew their Visas without actually having enough income to do so otherwise. For all else, we use and recommend on-line banking plus a Mexican account that automatically pays Telmex and CFE every month/two months. I know that Banorte and Banamex do this for free. I imagine that they all do. !Que le vaya bien!