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.
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Is Charlie legit?
Charlie (charlie.com) has a 4.2 out of 5 rating on OK.one, based on 102 user reviews collected here. It is listed under Money & Insurance and its reputation is good. 81% of reviews are 4 stars or higher and 12% are 1 star; The business has replied to 80% of negative reviews; Reviews mostly discuss Customer service, User experience. Last updated 2026-08-28.
What reviewers say
AI generated
Reviewers overwhelmingly had a great experience with this company. Customers frequently praise the support team for being exceptionally helpful, patient, and knowledgeable when answering questions about their accounts. People also love receiving their direct deposits and social security checks several days early, alongside instant text notifications for every single transaction. Users find the banking application extremely easy to navigate, making overall financial management straightforward and stress-free.
However, some people mentioned difficulties transferring money or withdrawing funds to other external bank accounts. Others noted occasional long wait times and difficulties when trying to reach customer support representatives by phone for assistance.
Auto-generated from all reviews of this business. For reference only.
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.
Reply from Charlie2025-11-06
Hi Kris, thank you for the honest feedback, and I’m really sorry this call left you frustrated.
We want every conversation to be helpful and it sounds like we missed the mark. I’m sorry you had to repeat yourself and felt unheard. That’s not the experience we want for a long-time supporter of Charlie.
Thank you especially for saying you generally love Charlie, that means a lot. I’ll share your feedback with our training and quality teams so we can reinforce clear communication and better listening on calls.
If you’d like, we can arrange a callback from a supervisor or handle whatever you were calling about through our secure email at [email protected] so you don’t have to repeat the issue again.
We appreciate you and want to make this right.
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.
Reply from Charlie2025-11-07
Hi Eugene, 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.
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.
Reply from Charlie2025-11-07
Hi Andres,
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.
They didn’t get my $237 that was taken from my account
Reply from Charlie2025-11-06
Hi Jose, I’m really sorry to hear $237 was taken from your account. That’s frustrating and stressful, and we take suspected unauthorized withdrawals very seriously.
For your protection, please don’t post account details publicly. Contact us right away through the secure support channel at [email protected].
If you believe the charge is still occurring or your card/account has been compromised, freeze or replace your card in the app (or tell the agent right away) so no further unauthorized charges can occur.
Again, I’m very sorry this happened we want to get this resolved for you as quickly as possible. We look forward to helping you!
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 fix that problem that would make the app a lot safer for customers thank you
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
Reply from Charlie2025-11-06
Hi Shirley,
I’m really sorry you’ve had to call in every month just to get cash. That’s frustrating and not the experience we want for our customers.
Thank you for letting us know and we’d like to get this fixed so you don’t have to keep calling. For your privacy and security, please contact us through the secure support at channel [email protected].
When you do, please include your full name and the email or phone number on the account. I’m sorry for the repeated inconvenience. We value your business and will do everything we can to fix this.
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
Reply from Charlie2025-11-07
Hi Susan,
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.
This company spelled out their mission and used integrity. I have faith in the effort of the financial institution.
Reply from Charlie2025-11-07
Hi Marva, 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.
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
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