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Charlie Reviews 570

TrustScore 4.5 out of 5

4.4

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Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. Customers appreciate the prompt and professional customer service, highlighting the politeness, knowledge, and efficiency of the staff in resolving issues. People feel secure using this service, particularly praising the fraud protection measures, such as immediate notifications for every transaction and proactive alerts for suspicious activity. Consumers also value receiving their Social Security payments early, which helps them manage their monthly budgets effectively. The service is considered safe, secure, and reliable, with users expressing confidence in the company's integrity. However, some reviewers have reported negative experiences with contacting the business and ambiguous opinions about payments.

Based on these reviews

Rated 4 out of 5 stars
Invited

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.

Rated 4 out of 5 stars
Invited

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.

Rated 4 out of 5 stars
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I was disappointed that I could not add my husband to my account. We both wanted be on the same account and close our old bank account. Now we have 2 bank accounts and it makes it difficult to switch... See more

Rated 4 out of 5 stars
Invited

This company spelled out their mission and used integrity. I have faith in the effort of the financial institution.

Rated 5 out of 5 stars
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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... See more

Rated 5 out of 5 stars
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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

Rated 5 out of 5 stars
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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

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Rated 5 out of 5 stars
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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

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Rated 3 out of 5 stars
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I really like this financial institution, but to limit the withdrawal limit daily, im not happy with. But thats with most banks. Ive been this bank awhile I should a leeway. Depositing is also a lim... See more

Rated 5 out of 5 stars
Invited

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 activi... See more

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Rated 5 out of 5 stars
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Charlie lets me and seniors set the account for no online purchases and for Walmart or Amazon only which I adore those settings, fraud proof. Also I receive my SSA payment 5 days early along with earn... See more

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Rated 5 out of 5 stars
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Charlie notifies me days ahead when my deposit will be in my account. Whenever I make a withdrawal, Charlie confirms the amount and the balance, plus I can withdraw a larger amount than my old account... See more

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Rated 5 out of 5 stars
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I feel like my information and Social Security are secure with Charlie. Since there are a lot of fraud cases going on with Social Security, I feel like my information and money are safe. They know who... See more

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Rated 5 out of 5 stars
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Charlie is a very professional company. You can always depend on getting fast service for whatever you need. Very friendly employees when you are calling in. One of their best features is you are able... See more

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Rated 5 out of 5 stars
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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 te... See more

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Rated 5 out of 5 stars
Invited

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 Ch... See more

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Rated 5 out of 5 stars
Invited

I love the way that Charlie would ask you first before paying anyone if it’s you who was using your card for purchases before paying anyone. It’s also convenient that they pay you 5 days in advance b... See more

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Rated 5 out of 5 stars
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I’ve never had any issues with my Charlie account! When I couldn’t find something in my account t database, I would call and the reps were very polite, professional and courteous! I appreciate that gr... See more

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Rated 5 out of 5 stars
Invited

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.

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Rated 5 out of 5 stars
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So far they have done everything they promised. Get my Social Security check 3 to 5 days early, they notify me if anything doesn't look right. So I can only say 100% I'm a very happy customer.

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Rated 5 out of 5 stars
Invited

From the start Charlie makes life so much more easier and so much less to worry about. It’s like for example a friend starts to ask you about Charlie but before they finish you are at the finish line... See more

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Rated 5 out of 5 stars
Invited

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

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Rated 5 out of 5 stars
Invited

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

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Rated 3 out of 5 stars
Invited

Charlie’s atm’s are only available at certain places and there is a limit on what you can withdraw. The only good thing about Charlie is that it pays your Social Security early.

Rated 5 out of 5 stars
Invited

Love getting my checks early. Customer Service is fantastic, they are patient and willing to talk you though any online issues from,adding to wallet or another account, to paying bills.

Company replied

Rated 5 out of 5 stars
Invited

Charlie has been a great experience for me. They are prompt and professional in all aspects related to my account needs. You should give them a try. I did, and almost 2 years in I’m planning on many y... See more

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Rated 5 out of 5 stars
Invited

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... See more

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Rated 5 out of 5 stars
Invited

I love Charlie! I get my social security check at least 5 days early every month! They give you a debit card. It makes me feel like my account is safe. Plus they communicate very well. Highly recommen... See more

Company replied

Rated 5 out of 5 stars
Invited

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 👍👍

Company replied

Rated 5 out of 5 stars
Invited

They always have my money on time and I always get paid way before my due date , greatly appreciated

Rated 5 out of 5 stars
Invited

I LOVE Charlie! It’s so easy to use and I especially like that when I buy something I receive a text showing the amount and my balance! Charlie has definitely made banking easier for me!

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Rated 5 out of 5 stars
Invited

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... See more

Rated 5 out of 5 stars
Invited

I love Charlie cuz they always let you know ahead of time when you receive your check. I also like the feature that protects you against new and unfamiliar charges. They are great!!!

Company replied

Rated 5 out of 5 stars
Invited

The customer service has been exemplary. And every time I use my Charlie card I get a text with the amount and my latest balance. It’s a wonderful card and I’m so glad I have it wishing I had it a lon... See more

Company replied

Rated 5 out of 5 stars
Invited

My experience with Charlie customer service is very knowledgeable and very professional and pleasant to converse with. The situation I encountered was quickly resolved in no time. I’m so thrilled th... See more

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Rated 5 out of 5 stars
Invited

I am well please, but I cannot connect accounts with PLAID. Will that be possible in the near future?

Rated 5 out of 5 stars
Invited

Charlie always polite people and they work with you have a problem they have gone miles to help me out and I give them a A + there wonderful

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Rated 4 out of 5 stars
Invited

I need you to offer longer customer service hours. Also not open on the weekend is a must. This is the reason for my rating of 4 stars.

Rated 4 out of 5 stars
Invited

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.

Rated 5 out of 5 stars
Invited

I had just gotten approved for Social Security and I saw an ad on the Internet about Charlie. I signed up for the Charlie Debit Card and they took care of notifying the Social Security administration... See more

Rated 5 out of 5 stars
Invited

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 !!

Rated 4 out of 5 stars
Invited

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... See more

Rated 4 out of 5 stars
Invited

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 t... See more

Rated 5 out of 5 stars
Invited

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

Rated 5 out of 5 stars
Invited

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

Rated 5 out of 5 stars
Invited

I think there customer service department go out of there way to help any matters at hand..They are alway kind, appointed, and helpful..

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Company details

  1. #17 of 29 best companies in Bank
  2. #69 of 105 best companies in Financial Institution
  3. #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

4.4

Excellent

TrustScore 4.5 out of 5

570 reviews

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Replied to 90% of negative reviews

Typically replies within 2 weeks


Rated 5 out of 5 stars

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.

October 30, 2025
Unprompted review
Rated 2 out of 5 stars
Invited

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.

October 8, 2025
Rated 1 out of 5 stars
Invited

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

October 9, 2025
Rated 5 out of 5 stars
Invited

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!

October 22, 2025
Rated 4 out of 5 stars
Invited

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

October 22, 2025
Rated 1 out of 5 stars
Invited

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

October 9, 2025

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