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.
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Review summary
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Company details
- #17 of 29 best companies in Bank
- #69 of 105 best companies in Financial Institution
- #194 of 251 best companies in Non-Bank Financial Service
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
Replied to 90% of negative reviews
Typically replies within 2 weeks
Really Is What It Says It Is!
The ONLY downside I feel with Charlie is the wait time for customer service. I have begun to keep my place in line and have them call me back and that is working better. Frankly, I don't think there are many operations like Charlie that run any faster. I do think that they need more phones or people or both...something... so that they are not losing customers due to that problem.
The good news is that the charges are minimal. I came to Charlie through Social Security because I have my retirement funds direct-deposited into Charlie. This is how they began and I came from a credit union that was taking hundreds of dollars because my funds would hit on different days.
Very pleasant Lady that I talked …
Very pleasant Lady that I talked with. She was so polite and knowledgeable.
The person I spoke to had such a heavy…
The person I spoke to had such a heavy accent that I had to ask her to repeat herself several times. She also continuously disregarded what I said and suggested something else that couldn't have been the answer. As a result of this I'm going to assume you now outsource your jobs, which is really, really, really disappointing.
HOWEVER, this is ONLY regarding this recent phone call. In general I love Charlie and they get beyond 5 stars. 
Good security
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.
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 !!
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?
anytime i have called for help i…
anytime i have called for help i received immediate response. very satisfied
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.
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
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
Always very nice
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
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
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.
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..
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!
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 
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
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