They give great customer service when…
They give great customer service when you can finally reach them on the phone. Long holds has been an issue anytime I’ve ever called them
About Charlie
Data updated- Website
- charlie.com
- Category
- Money & Insurance
- Location
- United States
- Status
- Unclaimed
- Last 12 months
- 102 reviews
- Replies to negative
- 80% (12/15)
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About this business
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.
Written by the business, not verified by us.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 generatedReviewers 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.What people say
The customer service has been…exemplary
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 long time ago.
Reply from Charlie2025-10-14
Hi Susie, Thank you for taking the time to leave such a wonderful review! We’re glad to hear that our customer service team was exemplary. 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 love the way that Charlie would ask…
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 before your checks get the automatic deposit.
Reply from Charlie2025-10-14
Hi Carolina, we appreciate your kind words about our fraud protection services! Your security is extremely important to us, and we’re delighted to know that you feel safe banking with us. We’re always here to help if you have any concerns or need further assistance. 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 notifies me days ahead when my…
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 with my other bank. Also I can withdraw days earlier with Charlie. Vary helpful.
Reply from Charlie2025-10-14
Hi Robert, we’re so glad you’re enjoying our 'Text Me all Transactions' feature! 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!
Customer services is 100% on point … we…
Customer service is 100% on point … we are paid early & mostly their Fraud Alerts are superb…. Great new bank
Reply from Charlie2025-10-14
Hi Valerie, 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!
I’ve never had any issues with my…Charlie account that I couldn’t call to get it taken care of fairly easily in one call!!
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 greatly! Thank you much!!
Reply from Charlie2025-10-14
Hi Dixie, Thank you for taking the time to leave such a wonderful review! We’re glad to hear that our customer service team was polite, professional and courteous. 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’ve been with Charlie for a few years
I’ve been with Charlie for a few years. I love it. It’s rare but when I needed support, they were right there, very helpful. 5 stars.
Reply from Charlie2025-10-14
Dear Dean, 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! I like getting my SSA payment early, & Charlie has great customer service…
Reply from Charlie2025-10-14
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!
My experience with Charlie customer…
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 that I became a member of Charlie Financial.
Reply from Charlie2025-10-14
Hi Joseph, Thank you for taking the time to leave such a wonderful review! We’re glad to hear that our customer service team was pleasant, knowledgeable and professional. 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!
There check in the mail is slow to get…
There check in the mail is slow to get to the payee.
I’m really happy with Charlie.
Reply from Charlie2025-10-14
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!
Every time I called the representative…
Every time I called the representative any issue they could resolve one hundred percent I should be thankful to all representatives for any issue occurred ….. and
Charlie is EXACTLY what I needed.
Charlie is EXACTLY what I needed. Thank you. 👍🏽💥🎉
Reply from Charlie2025-10-14
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!
I love Charlie cuz they always let you…
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!!!
Reply from Charlie2025-10-14
Hi Mickey, we appreciate your kind words about our fraud protection services! Your security is extremely important to us, and we’re delighted to know that you feel safe banking with us. We’re always here to help if you have any concerns or need further assistance. 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!
Disappointed in Charlie’s one person policy.…
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 money and it takes days for it to transfer. Very disappointed.
Charlie doesn't give a damn about baby boomers.
Hello, I've had my debit card breached several times, once on September 5 for $44.78. I tried to get refunded, neither you or Walmart helped me get my refund back. Since then, I've been breached many more times. Since I froze my account and have "0" balance, the hackers were turned away. I would like to terminate doing business with you, so can you please close out my account. I've instructed SS to use my original direct deposit information to avoid going through the hassle of paying for the previlege of transferring my own funds to my original account. Thank you for letting me fall on my face when I asked you for my refund. I also spoke to an associate about this and am still waiting for the phone call she said I'd get from Charlie. Please let me know if my account has been closed ASAP. I'd like a refund, but I guess I'd be more likely to be struck by lightning waiting for that to happen. I'm asking all my friends, family, etc. to avoid Charlie as I see it as a scam to rip people off on one side, and not be responsible for money lost to hackers. "Be-de; Be-de; Be-de, that's all folks!"- Porky Pig. Good night. Rene' Carrero
Reply from Charlie2025-10-14
Hi Rene, thank you for your review. We’re so sorry to hear about your security concerns. We are committed to ensuring the highest level of protection for our customers and would like to investigate this matter further. We tried calling a few times and sent a follow up email to resolve your issue promptly. Please give us a call or reply to our email. Thank you for your feedback, and we look forward to hearing from you.
Charlie took care of everything!
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 to get my funds deposited on my Charlie debit card. It was extremely easy. I’m so very grateful for the Charlie Debit Card and my first payment arrived a week early, which was a lifesaver for me!!
I don’t have any problem with charlie
Reply from Charlie2025-10-14
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!
Cash back
The service is great I just wish that you had cash back opportunity. I would like to get some extra money through out the month. Thank you for your excellent service.
Reply from Charlie2025-11-07
Thank you for your positive review, Chris! We’re delighted to hear that you’re enjoying our services. Our team works hard to offer the best solutions to our customers, and it’s great to know we’re hitting the mark. We give our customers 3% earnings credit at the end of every month but I understand what you mean. I will rely your feedback to the team. If you have any further feedback or questions, please feel free to contact us.
Charlie lets me and seniors set the…
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 earning on my account monthly. Charlie is awesome!!!
Reply from Charlie2025-10-14
Hi Levester, 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!
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