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
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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 92% of negative reviews
Typically replies within 1 week
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CHARLIE OWES ME MONEY
CHARLIE OWES ME MONEY! DOORDASH SENT ME A REFUND, I NEVER GOT IT!
WHERE IS MY.MONEYY??
10 February 2025
Reply from Charlie
Dear Beth, we apologize for any security concerns you’ve experienced.
Your safety is of utmost importance to us, and we regret any distress this has caused. Those funds have been recuperated. We've sent you an email to address your concerns and take appropriate action.
Thank you for your feedback, and we look forward to hearing from you.
I would recommend Charlie to anyone
I would recommend Charlie to anyone
23 February 2025
Unprompted review
Reply from Charlie
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.
Thank you for choosing Charlie!
They answer the phone quickly, they are very knowledgeable, friendly, & helpful. I LOVE that ur NOT speaking or taking care of ur business thru an impersonal automated machine/robot!!!!!!!!
They answer the phone quickly, they are very friendly and helpful
10 February 2025
Reply from Charlie
Thank you for taking the time to leave such a wonderful review! We’re glad to hear that our customer service team was knowledgeable, friendly, helpful and personable. We strive to provide the best possible service, and it’s always encouraging to receive such positive feedback.
Thank you for choosing Charlie!
Want to transfer money from Charlie…
Want to transfer money from Charlie Financial to chime no matter what I did it wouldn’t go through! Frustrating
It would be nice to be able to move money easier
10 February 2025
Reply from Charlie
Hi Edith, we apologize for any technical difficulties you’ve encountered.
We’re committed to providing a seamless online banking experience, and we’re sorry that we fell short. Please give us a call back to help resolve the issue and ensure you have a better experience moving forward.
We would be happy to walk you through it!
Thank you for your feedback, and we look forward to hearing from you.
My Account was Deactivated While I was Traveling in Africa
I spoke to Charlie account representatives at least 3 times before leaving for the African Continent, telling them of my travel plans to Nigeria and a few other countries. Not once did those female account representatives mention that they would deactivate my account while I was in Nigeria. I arrive in Nigeria and I try accessing my funds and I’m told my account has suspicious behavior and has been suspended and I’m blocked from my account for 4 months and after lackadaisical treatment after calling Charlie at least 5 times at a cost of $20+ each call, a MALE customer service representative told me that Charlie does not support transactions on accounts while a person is in NIGERIA. HE apologized for the previous reps I spoke to who never mentioned this “policy”. He was the only representative that tried to help me and found this ridiculous “policy” that I never saw or read when I moved my SS check to Charlie. As long as I have control of my card and account info, where I am physically located in the world should not matter, especially if I notify Charlie that I am traveling prior to leaving the USA, which I did. I am closing my account after my March SS deposit is paid. Charlie can’t have ANY SAY on where I travel and when Charlie can deactivate my account on suspicious transactions when it was the account holder trying to access my account. This seems like racist banking behavior on Charlie’s part controlling where and when I can be in the world and access my funds. I wonder what other unheard of banking policies Charlie has adopted and obviously their account representatives aren’t aware of that negatively affect traveling seniors, but it seems it’s only one country that Charlie does this to its members who travel, and that’s Nigeria.
10 February 2025
Reply from Charlie
Dear Gloria, we apologize for any frustration caused by our customer service.
We understand how important prompt and effective support is. For the financial security of our customers, we currently do not support international transactions in certain countries including Nigeria.
We've tried reaching out to better understand the situation.
Thank you for your feedback, and we look forward to hearing from you.
The policy and procedures for…
The policy and procedures for protecting my account and my money is very important and I am a very satisfied customer with the company in reference to the security and safety I am very impressed also with the customer service specifically the manager by the name of John amazing customer service experience he really deserves the position to be a manager it’s because of his ability to provide amazing customer service experience to me I will continue to do business with the company and have my monthly income payment deposited into my account. Thank you for having an employee like Mr. John the manager for customer service he is most definitely an asset to the company.
10 February 2025
Reply from Charlie
Hi Ann Marie, 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.
Thank you for choosing Charlie!
I was getting hacked and money was…
I was getting hacked and money was coming from my account at other banks. I changed banks three times. I came across Charlie and haven't had any money problems since!!! Thank you Charlie 😘
10 February 2025
Reply from Charlie
Hi Rodney, 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.
Thank you for choosing Charlie!
I should be able to transfer money to…
I should be able to transfer money to another bank account. Also, I've tried to send money to others..... Neither of these features never work.
10 February 2025
Reply from Charlie
Hi Charlotte, we apologize for any technical difficulties you’ve encountered.
We’re committed to providing a seamless online banking experience, and we’re sorry that we fell short. We’ve called and sent an email to help resolve the issue and ensure you have a better experience moving forward.
Thank you for your feedback, and we look forward to hearing from you.
Reply from Charlie
Hi Donald,
Thank you for taking the time to leave such a wonderful review! We’re glad to hear that our customer service team was fast and courteous. We strive to provide the best possible service, and it’s always encouraging to receive such positive feedback.
Thank you for choosing Charlie!
I'd give it a ZERO if it were allowed
I'd give it a ZERO if it were allowed. Social Security tried to set up a direct deposit and it got rejected, in November 2024. In January 2025 I attempted to set up my payroll direct deposit, It appeared to being ok, infact it was supposed to go in on Feb 12, 2025, They told me because it would be on the actual pay day of 2/14/2025. The deposit did not go in, even after being reassured that it would be dosited on the 14thwhen I called them on the 12th. I called my employer and was told that it was stopped by Charlie and tha a physicat check has been issued. the lack of customer service at Charlie is a disgrace. The system at Charlie is from the 1800's. DO NOT risk your money here, it's a SCAM!!!
14 February 2025
Unprompted review
Reply from Charlie
Hi Tom,
We’re sorry to hear about your experience and understand your concerns. We strive to provide a service that meets the needs of our valued customers, especially within the retirement community. We’ve sent you an email and left a voicemail to better understand the situation and work towards a resolution. Thank you for your feedback, and we look forward to hearing from you.
I like that Charlie sends a notice when…
I like that Charlie sends a notice when a purchase is made. Receiving my SS check early.
Fast replys to all questions.
10 February 2025
Reply from Charlie
Thank you for your positive review, Susan! We’re delighted to hear that you’re enjoying our Early Direct Deposit and Text Me All Transactions features. Our team works hard to offer the best solutions to our customers, and it’s great to know we’re hitting the mark. If you have any further feedback or questions, please feel free to contact us.
Thank you for choosing Charlie!
They care about the customers..
They care about the customers... They are helpful In every way you can imagine... Great job..
10 February 2025
Reply from Charlie
Dear Robert, your wonderful review made our day!
We’re thrilled to hear that our customer service team was able to meet your needs. Your satisfaction is our priority, and we’re pleased to know that we’re doing a good job. If you ever need further assistance, please don’t hesitate to reach out.
Thank you for choosing Charlie!
Reply from Charlie
Thank you so much for your positive review! We’re delighted to know that you’re satisfied with our services. Your feedback is invaluable to us as we continue to strive for excellence.
Thank you for choosing Charlie!
I have been a customer since early on
I have been a customer since early on. I have not reason to complain about anything. Every time I have needed service you have been there for me.y
10 February 2025
Reply from Charlie
Dear Richard, your wonderful review made our day!
We’re thrilled to hear that our customer service team was able to meet your needs. Your satisfaction is our priority, and we’re pleased to know that we’re doing a good job. If you ever need further assistance, please don’t hesitate to reach out.
Thank you for choosing Charlie!
What Charlie is doing is a good job…
What Charlie is doing is a good job with customer service, and their really professional how they handle complaints like my having a problem with my name not matching with the other bank, so Charlie made a few suggestions and it took me about three attempts, but they kept helping and that third time my transfer cleared and they were able to teach me by having the patience and understanding me and my needs.
10 February 2025
Reply from Charlie
Hi David,
Thank you for taking the time to leave such a wonderful review! We’re glad to hear that our customer service team was patient and understanding. We strive to provide the best possible service, and it’s always encouraging to receive such positive feedback.
Thank you for choosing Charlie!
I love the way you can use all the…
I love the way you can use all the different ways you can use the account. The only bad thing is how to put money into the account. Having to take money out of another account to have to go into a store to pay to put money into my Charlie account. But I really like my Charlie account.
10 February 2025
Reply from Charlie
Thank you for your positive review, Regina! We’re delighted to hear that you’re enjoying our Move Money features. Our team works hard to offer the best solutions to our customers, and it’s great to know we’re hitting the mark. If you have any further feedback or questions, please feel free to contact us.
Thank you for choosing Charlie!
The help i receive when I'm not sure of…
The help i receive when I'm not sure of how to navigate through a problem they patiently gets me to solving the situation thank you for your help
10 February 2025
Reply from Charlie
Dear Harold, your wonderful review made our day!
We’re thrilled to hear that our customer service team was able to meet your needs. Your satisfaction is our priority, and we’re pleased to know that we’re doing a good job. If you ever need further assistance, please don’t hesitate to reach out.
Thank you for choosing Charlie!
So much trouble was taken by your rep…
So much trouble was taken by your rep to ensure social secruity was deposited for me to my account
10 February 2025
Reply from Charlie
Dear William, your wonderful review made our day!
We’re thrilled to hear that our customer service team was able to meet your needs. Your satisfaction is our priority, and we’re pleased to know that we’re doing a good job. If you ever need further assistance, please don’t hesitate to reach out.
Thank you for choosing Charlie!
Charlie is very efficient at posting…
Charlie is very efficient at posting direct deposits and also their customer service support line is very friendly and very helpful each time I phone them. My debit card works wonderfully wherever I go.
However one thing that I found was discouraging to me was that I went in to a Walgreens to put money on my card I needed to do a transaction and I didn't have enough funds but I just needed to put a very small amount of money in and it was like $10. Then when I put my debit card in to add the money to it they charged me like 7 or $8 more and luckily I had the cash on me because I had to pay that to load money on my card and I did not appreciate that at all because that means if I just want to add a little bit it's going to cost me more than the deposit so I'm I need to confirm with the Charlie people how that works. Also to get money out of an ATM you are charged as well and they're pretty healthy charges so I'm a bit discouraged about that
10 February 2025
Reply from Charlie
Hi Beverly,
We’re sorry to hear about your experience and understand your concerns. We strive to provide a service that meets the needs of our valued customers, especially within the retirement community. We’ve sent you an email to better understand the situation and work towards a resolution. Thank you for your feedback, and we look forward to hearing from you.
Charlie Financial takes excellent care…
Charlie Financial takes excellent care of its customers with professional friendly knowledgeable staff. My experience has been Excellent with Charlie Financial, they have genuine concern for their customers and constantly share fraud evasive tips to protect its customers. I have only great things about Charlie Financial. Thanks Charlie for allowing me to be one of your customers!
10 February 2025
Reply from Charlie
Thank you for your positive review, James! We’re delighted to hear that you’re enjoying our Fraud Shield features. Our team works hard to offer the best solutions to our customers, and it’s great to know we’re hitting the mark. If you have any further feedback or questions, please feel free to contact us.
Thank you for choosing Charlie!
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