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 92% of negative reviews
Typically replies within 1 week
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It gets better with a little experience!
October 9, 2025
Reply from Charlie
Hi Sandra, 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!
I like having Charlie getting my check…
I like having Charlie getting my check sooner but only thing having wait another week to use it
October 9, 2025
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.
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!
Reply from Charlie
Hi Penny,
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.
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!
They are very helpful with any issues
They are very helpful with any issues, are if someone has gotten a hold of your information.
October 9, 2025
Reply from Charlie
Hi Richard,
Thank you for taking the time to leave such a wonderful review! We’re glad to hear that our customer service team was helpful. 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!
Charlie is great
October 9, 2025
Reply from Charlie
Hi Bettie,
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.
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 is by far the best banking…
Charlie is by far the best banking service I have ever experienced. My card had been compromised twice and they're Customer got on the problem ASAP. Best customer service with Charlie
October 9, 2025
Reply from Charlie
Hi Pamela, 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 have had good experience with Charlie…
I have had good experience with Charlie up until recently. I can’t do online shopping and I can’t do cash app so would it be better if I order a new card or will it continue to go on with a new card
October 9, 2025
Am glad I found you guys are so amazing…
Am glad I found you guys are so amazing and sweet over the phone hope you stay around for along time thanks again for everything
October 9, 2025
Reply from Charlie
Hi Viktoria,
Thank you for taking the time to leave such a wonderful review! We’re glad to hear that our customer service team was amazing and so sweet on the phone. 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!
If you’re not using Charlie for your Social Security, you’re making a mistake
These people care about us and they’ll do anything that they can to help us if they can. Women are running the company and they better leave it the way it is because I wouldn’t change a thing.
I tell anybody and everybody About Charlie getting my Social Security payment 7 to 10 days early….
October 9, 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.
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!
I like the fact
I like the fact, I’ll get my check 3 to 4 days early and it’s always on time every time i’ve never had any problem with my account
October 9, 2025
Reply from Charlie
Hi Gregory, 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!
Good service
Prompt deposits only thing I've had a bit of a issue with is Apple purchases
October 9, 2025
Reply from Charlie
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 customer Service!
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 deposit has been great! They tell me when my deposit will arrive and it’s always spot on accurate. Couldn’t be happier with Charlie!
October 9, 2025
Reply from Charlie
Hi Alexander, we’re so glad you’re enjoying our early direct deposit, customer support team and fraud protection! 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!
Well…I’ve been w/Charlie goin on 3…
Well…I’ve been w/Charlie goin on 3 years and have not had any problems as of yet! I woukd recommend it…I hope this is good for you! Thank you! 😊
October 9, 2025
Reply from Charlie
Dear Maria, 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 has been there when I need…
Charlie has been there when I need answers about my account or where is my SSA is going to be,there other problems with payment we’re made by me
October 9, 2025
Reply from Charlie
Dear Eva, 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!
Always answer any questions I have…
Always answer any questions I have precisely!
Great services..
October 9, 2025
Reply from Charlie
Hi Roxmarie,
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.
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!
Faster direct deposit
October 9, 2025
Reply from Charlie
Hi Linda, 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!
Always helpful when asking questions
November 7, 2024
Reply from Charlie
Hi Fred, 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!
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!
You have been very owesome good
November 7, 2024
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!
I have been trying to contact them for…
I have been trying to contact them for five days I have been lied to repeatedly
Trying to get tracking info for my replacement debit card
Have been told it was shipped on the 1st
Then told shipped on the 2nd
Have emails,left voicemails and tried texting repeatedly and still no
Satisfactory responses or
October 2, 2025
Unprompted review
Reply from Charlie
Hi Dorothy,
Thank you for taking the time to share your experience. We’re truly sorry for the frustration and confusion you’ve encountered while trying to get an update on your replacement card. That’s not the experience we want for our customers.
We’ve tried to reach out to gather your details so we can look into this and make things right, but haven’t yet received your contact information. When you can, please give us a call at (866) 674-9629 or email support@charlie.com so our team can personally review your case and provide an update.
We appreciate your patience and the opportunity to make this right.
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