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.
While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more
To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more
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 92% of negative reviews
Typically replies within 1 week
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
LOVE ❤️ IT!
LOVE ❤️ IT!! This little jewel I recently discovered is designed to make your life easier and better!!
October 9, 2025
It’s ok
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.
October 9, 2025
I’m very happy with the Help Charlie…
I’m very happy with the Help Charlie does for me. Its nice to know they care about their customers ❤️
October 9, 2025
Always make things right and its a…
Always make things right and its a great card friendly people and staff
October 9, 2025
It’s alert me when charges are made in…
It’s alert me when charges are made in error that I didn’t make
October 9, 2025
Reply from Charlie
Hi Sharon, 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.
Know someone who needs Charlie? Refer them and you both will receive $50 after their first successful deposit. Just log in, tap “Invite a Friend to Charlie" to send the link. Refer as many eligible members as you like!
Thank you for choosing Charlie!
Reply from Charlie
Hi Cindy,
Thank you for taking the time to leave such a wonderful review! We’re glad to hear that our customer service team was very friendly and knowledgeable. We strive to provide the best possible service, and it’s always encouraging to receive such positive feedback.
Know someone who needs Charlie? Refer them and you both will receive $50 after their first successful deposit. Just log in, tap “Invite a Friend to Charlie" to send the link. Refer as many eligible members as you like!
Thank you for choosing Charlie!
It’s just been good experience there…
It’s just been good experience there the best!!!!!
October 9, 2025
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.
Know someone who needs Charlie? Refer them and you both will receive $50 after their first successful deposit. Just log in, tap “Invite a Friend to Charlie" to send the link. Refer as many eligible members as you like!
Thank you for choosing Charlie!
Got hung up on and customer service was…
Got hung up on and customer service was terrible
October 9, 2025
Reply from Charlie
Dear Wanda,
We regret that your experience with our service was less than satisfactory. We value the trust our retirement community places in us, and we want to ensure that trust is maintained. We’ve left you a message to address your concerns and work on a resolution. Thank you for your feedback, and we look forward to hearing from you.
They inform you of anything they seem…
They inform you of anything they seem to warrant suspicious. The customer service is very good. They informed you of your date your get your next deposit is posted and the time that it will post they are very, very good
October 9, 2025
Reply from Charlie
Hi Annie, 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.
Be sure to take advantage of our $50 referral credit. Just log in, tap “Invite a Friend to Charlie" to send the link. Refer as many eligible members as you like you both will receive $50 after their first deposit.
Thank you for choosing Charlie!
You gotta try Charlie. Best thing there is
Charlie tells you when to expect your direct deposit. It’s always there when they say it will be. I use my debit card and there are never any issues. It’s so much less stressful to use Charlie.
October 9, 2025
Reply from Charlie
Hi Marion, we’re so glad you’re enjoying our early direct deposit! Your positive feedback motivates us to keep innovating and providing top-notch solutions for our customers. If there’s anything more we can do for you, please let us know.
Refer a friend to Charlie and you both get $50 after their first deposit. Log in, tap “More,” then “Invite a Friend to Charlie". Refer unlimited eligible members!
Thank you for choosing Charlie!
Charlie has been giving great service…
Charlie has been giving great service in receiving deposits and making the available in timely manner…when you call in to speak with customer service often times you have to be on hold before getting to speak a real person, I have been assured that they are working on expanding to shorten the wait time… when you do get to an agent you get great service!
October 9, 2025
Reply from Charlie
Dear Barbara, 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.
Be sure to take advantage of our $50 referral credit. Just log in, tap “Invite a Friend to Charlie" to send the link. Refer as many eligible members as you like you both will receive $50 after their first deposit.
Thank you for choosing Charlie!
Great company they set up my whole…
Great company they set up my whole account fir with SS and they always keep in touch email letting me know when my next deposit will be available awesome highly recommend Charlie 👍👍
October 9, 2025
Reply from Charlie
Dear Clifford, 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.
Be sure to take advantage of our $50 referral credit. Just log in, tap “Invite a Friend to Charlie" to send the link. Refer as many eligible members as you like you both will receive $50 after their first deposit.
Thank you for choosing Charlie!
Charlie is great
Charlie is great! Any direct deposit is in there 3-5 days before it’s due. Wonderful customer service. Always able to answer any questions if you cant find it on the Charlie App. I highly recommend Charlie to any retirees. Every transaction made comes through as a text so you always always know when and where your money is going! Try it, I bet you will like it 😍
October 9, 2025
Reply from Charlie
Hi Shelly,
Thank you for taking the time to leave such a wonderful review! We’re glad to hear that our customer service team was wonderful and reliable. We strive to provide the best possible service, and it’s always encouraging to receive such positive feedback.
Know someone who needs Charlie? Refer them and you both will receive $50 after their first successful deposit. Just log in, tap “Invite a Friend to Charlie" to send the link. Refer as many eligible members as you like!
Thank you for choosing Charlie!
Having the monies loaded onto the card…
Having the monies loaded onto the card by or before the first of the month is Wonderful…I can finally get my rent in on time ! Also you guys were Great 👍🏽 looking out when you noticed strange activity on my card and alerted me before putting through… Thanks
October 9, 2025
Reply from Charlie
Hi Michele, 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.
Be sure to take advantage of our $50 referral credit. Just log in, tap “Invite a Friend to Charlie" to send the link. Refer as many eligible members as you like you both will receive $50 after their first deposit.
Thank you for choosing Charlie!
Only $200 out of the ATM machine
Only $200 out of the ATM machine, when is was $500. It’s stupid!!!
October 9, 2025
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.
Know someone who needs Charlie? Refer them and you both will receive $50 after their first successful deposit. Just log in, tap “Invite a Friend to Charlie" to send the link. Refer as many eligible members as you like!
Thank you for choosing Charlie!
Charlie Bank is great for getting your Social Security direct deposits.
Charlie Bank is great for getting your Social Security direct deposited to you earlier. It helps me with our monthly budget. Customer service is quick with researching your concerns.
October 9, 2025
Reply from Charlie
Hi Robert,
Thank you for taking the time to leave such a wonderful review! We’re glad to hear that our customer service team was quick and knowledgeable. We strive to provide the best possible service, and it’s always encouraging to receive such positive feedback.
Know someone who needs Charlie? Refer them and you both will receive $50 after their first successful deposit. Just log in, tap “Invite a Friend to Charlie" to send the link. Refer as many eligible members as you like!
Thank you for choosing Charlie!
I called and the representative helped…
I called and the representative helped me set up payments to my checking account. A very pleasant experience.
October 9, 2025
Reply from Charlie
Dear Barbara, 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.
Be sure to take advantage of our $50 referral credit. Just log in, tap “Invite a Friend to Charlie" to send the link. Refer as many eligible members as you like you both will receive $50 after their first deposit.
Thank you for choosing Charlie!
Safe period!
Customer service is awesome and the fraud alert system is absolutely incredible your funds are 1000% safe with Charlie.
October 9, 2025
Reply from Charlie
Hi Douglas, 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.
Know someone who needs Charlie? Refer them and you both will receive $50 after their first successful deposit. Just log in, tap “Invite a Friend to Charlie" to send the link. Refer as many eligible members as you like!
Thank you for choosing Charlie!
I love the easy access to my account y account…
I love the easy access to my account the balance the transactions are great
October 9, 2025
Reply from Charlie
Hi David, we’re so glad to hear that you’re enjoying our services! Your satisfaction is our top priority, and it’s wonderful to know that we’ve been able to meet your expectations.
Be sure to take advantage of our $50 referral credit. Just log in, tap “Invite a Friend to Charlie" to send the link. Refer as many eligible members as you like you both will receive $50 after their first deposit.
Thank you for choosing Charlie!
The Trustpilot Experience
Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.
Companies can ask for reviews via automatic invitations. Labeled Verified, they’re about genuine experiences.
Learn more about other kinds of reviews.
We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.
Learn about Trustpilot’s review process.
Here are 8 tips for writing great reviews.
Verification can help ensure real people are writing the reviews you read on Trustpilot.
Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.