It’s ok. I Do get my social security payments early, which I really like. But their “Fraud Shield” alerts are really irritating. It seems EVERY transaction gets flagged. Frustrating. Anyway.
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Review summary
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
I highly recommend Charlie to anyone in need of a secured, efficient, customer friendly debit card. Honestly, I was hesitant at first. So many scams are out there. After doing a bit of research regar... See more
Great customer service and fraud protection. I receive a text with each and every transaction. When there was one I didn’t recognize, my card was locked immediately. Also the early social security... See more
Company replied
I have been enrolled with Charlie for over a year, and can say without any hesitation that this program is safe, secure and sound. Customer service is top notch with knowledgeable, patient, and... See more
Company replied
Company details
Written by the company
Charlie is a banking solution designed for people 62 and older and receiving Social Security benefits. Charlie gives you more for your money, fraud protection to keep it safe, and delivers it with an experience that’s relatable and respectful.
Contact info
United States
- charlie.com
4.4
Excellent
587 reviews
Replied to 93% of negative reviews
Typically replies within 1 week
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Good security
9 October 2025
Charlie provides me with a great sense…
Charlie provides me with a great sense of security. The only thing keeping me from giving Charlie a five is I don’t like people setting limits on how much money I can have of my own money.
9 October 2025
Reply from Charlie
Hi Eugene, thank you for your great review! We’re pleased to hear that you feel secure with our fraud protection measures. Protecting our customers' financial information is a top priority for us, and it’s encouraging to know that our efforts are making a difference. If you ever have any concerns or need assistance, please don’t hesitate to reach out.
Charlie is great everytime u call they…
Charlie is great everytime u call they take care of u with all they got !! would referr them everyday of the wk , thank you charlie !!
9 October 2025
I am well please HAPPY GIRL
I am well please, but I cannot connect accounts with PLAID. Will that be possible in the near future?
9 October 2025
anytime i have called for help i…
anytime i have called for help i received immediate response. very satisfied
9 October 2025
I have not encountered any real issues…
I have not encountered any real issues with the account. My only complaint is I emailed support two times with a question and never received a response. Poor customer service.
9 October 2025
Reply from Charlie
Hi Andres,
Thank you for your positive feedback! It’s great to know that our efforts to provide excellent service are appreciated. We’re committed to continually improving and providing you with the best banking experience possible. If you’d like to provide more feedback, please don’t hesitate to reach out.
I I’ve how I can freeze it and have to…
I I’ve how I can freeze it and have to put in a code that is sent to me to unfreeze it. It makes me feel safe
9 October 2025
They always have my money on time and I…
They always have my money on time and I always get paid way before my due date , greatly appreciated
9 October 2025
Always very nice
9 October 2025
My standard Social Security amount is $1607.00
My standard Social Security amount is
$1607. This month’s deposit was only
$1365.95. I have a document provided
by Supervisor Gary Corkin showing that this was the amount I was paid on October 3, 2025.
Additionally, I have a document from the
Social Security Administration verifying
that $1607 was paid to me on the following Wednesday, October 8, 2025.
You have owed me an additional $241.05
since October 3, 2025.
Anyone with an ounce of sense would realize that SSI checks never have an amount of 0.95 cents included.
What you have done is committed a
Federal Felony with Federal Funds, and
Charlie Financial and Sutton Bank are about to be fined by the US government
for an amount far greater than $241.05.
What do you propose to do about this
unacceptable BANKING ERROR?
Dr. Steven Solomon
A customer for nearly 2 years with
Charlie Financial.
SS-#228-64-0665
9 October 2025
Reply from Charlie
Hi Dr. Solomon, thank you for taking the time to share your experience and I’m very sorry for the worry and frustration this has caused.
I understand you received $1,365.95 on October 3 from Charlie while the Social Security Administration’s record shows $1,607 was paid to you on October 8, and that you’re owed $241.05. That kind of discrepancy involving federal benefit payments is taken extremely seriously.
For your protection we can’t discuss account-level details in a public review (and we strongly recommend removing or redacting your Social Security number from public posts). Please contact us through the secure support channel support@charlie.com.
When you do, please include:
• Your full name and the email address or phone number associated with your Charlie account
• The SSA verification (uploaded securely)
• Any case/reference numbers you were given
Once we receive those documents through a secure channel, our operations team will review your deposit history and the transaction in question and prioritize a full review. We appreciate your patience in sharing the materials securely so we can investigate and help resolve this.
I’m very sorry this has caused you distress, and thank you for being a Charlie customer.
Very good bank to use they got some…
Very good bank to use they got some money back for me phone never use them they got the money back thank you Charlie for part of my life
9 October 2025
This company spelled out their mission…
This company spelled out their mission and used integrity. I have faith in the effort of the financial institution.
9 October 2025
Reply from Charlie
Hi Marva, thank you for your positive feedback! We’re glad to hear that our fraud protection services have provided you with peace of mind. Our team is dedicated to ensuring your financial security, and we’re constantly working to enhance our protective measures. If you have any questions or need support, we’re here for you.
I think there customer service…
I think there customer service department go out of there way to help any matters at hand..They are alway kind, appointed, and helpful..
9 October 2025
Check out Charlie Financial
I’ve had to reach out to Charlie for help in the past on various topics! The helpdesk people were always courteous and helpful with their expediting process of fixing issues I’ve had.
I’ve switched from my original banking to Charlie because I’m on SSI and it helps me tremendously that I receive my SSI check days earlier then I had with other banks!
So yes I highly recommend Charlie Financial!
22 October 2025
People over 62
It’s good app but I can’t seem to find a place who will allow me to put cash in so it makes it a little inconvenient for me. ATM’s aren’t too bad
When I was emailed some places they couldn’t take the card too reload but all in all good app
22 October 2025
Reply from Charlie
Hi Susan,
Thank you so much for your kind words! We're thrilled to hear that you're happy with our services. Providing excellent service is our top priority, and it’s great to know we’re meeting your expectations. If you ever need any assistance, please don’t hesitate to reach out.
Every time I go to get my money out at…
Every time I go to get my money out at the beginning of the month I have to call in and they have to do something to help me to get the money out of the machine I am going to cancel you guys if it happens in November I will be done with your card
9 October 2025
Reply from Charlie
Hi Shirley,
I’m really sorry you’ve had to call in every month just to get cash. That’s frustrating and not the experience we want for our customers.
Thank you for letting us know and we’d like to get this fixed so you don’t have to keep calling. For your privacy and security, please contact us through the secure support at channel support@charlie.com.
When you do, please include your full name and the email or phone number on the account. I’m sorry for the repeated inconvenience. We value your business and will do everything we can to fix this.
I've tried other cards but I find…
I've tried other cards but I find charlie is the best card for me the o ly issue I have is need more security there's apps that I dont even know and the taking money with out my permission if you can fix that problem that would make the app a lot safer for customers thank you
9 October 2025
i couldn’t of made a better choice of…
i couldn’t of made a better choice of where to put my SS I feel good knowing they are on top of the class with customer service you really should give them a try as you won’t regret it
9 October 2025
They didn’t get my $237 that was taken…
They didn’t get my $237 that was taken from my account
9 October 2025
Reply from Charlie
Hi Jose, I’m really sorry to hear $237 was taken from your account. That’s frustrating and stressful, and we take suspected unauthorized withdrawals very seriously.
For your protection, please don’t post account details publicly. Contact us right away through the secure support channel at support@charlie.com.
If you believe the charge is still occurring or your card/account has been compromised, freeze or replace your card in the app (or tell the agent right away) so no further unauthorized charges can occur.
Again, I’m very sorry this happened we want to get this resolved for you as quickly as possible. We look forward to helping you!
Whenever I have an issue I get in touch…
Whenever I have an issue I get in touch w customer service an they resolve it
9 October 2025
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