Professional from the gate
I had favor with Charlie, everything they done, they done magnificent job 👍🙏
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.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.
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.I had favor with Charlie, everything they done, they done magnificent job 👍🙏
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.
Hi Marilyn, 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!
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 to receive you pay 5 days early. I’m sure that feature helps a lot of families.
Dear Jewel, 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!
Have really never had a problem that you didn't fix for me
Dear Jeffery, 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 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
Hi Doris, Thank you for taking the time to leave such a wonderful review! We’re glad to hear that our customer service team was polite and went the extra mile. 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 just love Charlie’s Charlie is the best
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!
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!
this financial institution is unique in their management to banking. Professional, honest and great customer service and concern for their clients
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 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 limit daily. There times I want to deposit a large sum and cant. I cant deposit deposit checks through the mobile app.
Thank you Sophie, we understand how annoying limits can be, especially when you’ve been a customer awhile and need a little more flexibility. We do have a few options that may help and yes, you can deposit checks right in the Charlie app. Mobile check: In the app tap Move Money → Cash a check, then take pictures of the front and back of the check. You can choose to get the money right away for a small fee, or wait ~10 days and it’s free. If you prefer not to use mobile deposit, you can also deposit cash at participating merchants (Visa ReadyLink locations such as Walgreens, Dollar Tree, etc.). Why you’re seeing limits ATM withdrawals are limited (for example, $1,000 per transaction and $1,000 per day for in-network ATMs). If you’re using an out-of-network ATM, fees also apply and count toward limits. There are also limits on transfers and other movement types (for example, PAI/ACH transfer daily limits around $3,000). In addition, deposits have monthly caps on total deposits. These safeguards help protect customers and comply with banking rules. Thanks you for being a Charlie customer, we have submitted this feedback to our team and we want to make this as easy as possible.
It provides a service. It's very convenient
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!
by getting my funds early, I get a head start on my bills. knowing that the money is there and when it will be there. convenient, even though there have been times where I had to go somewhere else. machines were down Not the service
Hi Janie, 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!
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.
Dear Kathleen, 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!
My card was hacked and my phone was on auto pay. You stopped my card before the payment and then locked me out of my account. The call director sent me to the website to which I received no response. This went on for over two weeks and was beyond frustrating
Dear Joan, we apologize for any security concerns you’ve experienced. Your safety is of utmost importance to us, and we regret any distress this has caused. We've tried calling and sent a follow up email to address your concerns and take appropriate action. Please give us a call or reply to our email. Thank you for your feedback, and we look forward to hearing from you.
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 I pay every month, and if they’re not sure, they ask me, and that in itself makes me feel secure. When I call for help, they’re very courteous and well-informed, so I thank Charlie for all that they do for the people who use them.
Hi Judith, 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 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!
Hi Kristen, 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!
Charlie is always there for me. Keep me updated. I wish I didn’t change the Social Security check from there. I wish I could put it back if you know how to do it quickly please help thank you, Thomas O’Toole.
Dear Thomas, 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!
The customer reps were excellent! They were helpful and very knowledgeable!
Thank you for taking the time to leave such a wonderful review! We’re glad to hear that our customer service team was helpful and very knowledgeable. 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 get paid 3-5 days early by 5pm. It’s very convenient for me.
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 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 kind representatives. I highly recommend this Charlie program. Sincerely, Don B/Las Vegas
Hi Don, 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!
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