Are you 62+?
Welcome to Charlie.
Banking built for you.
Banking for Americans 62+
Social Security 3-5 days early.- Advanced fraud protection.
- No monthly fees.* No minimums.
- 100% U.S.-based phone support.
Are you 62+?
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Customers in 3000+ cities across all 50 states
4.6 avg rating
1.9k reviews
Charlie is a financial services company, not a bank. Banking services provided by Sutton Bank, Member FDIC. Charlie accounts are eligible for pass-through FDIC insurance up to $250,000 per ownership category, should Sutton Bank fail. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply.
*One-time fees include out-of-network ATM fees and second replacement card fees. See cardholder agreement for full fee schedule.
**Earnings Credit Reward is not the obligation of any bank and is not paid by Sutton Bank. The Earnings Credit Reward is not interest and is offered at the sole discretion of Charlie.
Carry your loved ones with you
Personalize your Charlie debit card with photos of your loved ones. Get a free Family Photo Card when you sign up with Charlie today.
CharlieFraudShield
Comprehensive, personalized protection built exclusively for the 62+.
Customize your fraud shield settings to match the way you live. Just set it and forget it. We’ll work 24/7 to keep your money safe so that you can have the peace of mind you deserve to focus on the moments that matter.
Additional Benefits
U.S.-based phone support.
The less misunderstandings, the better. How do we get there? We serve you - our U.S. clients - with U.S -based customer care.
3% earnings on average monthly balance.**
Your savings deserve a boost, which is why we pass on 3% earnings on average monthly balances.** More for you to spend and enjoy, exactly how you decide.
No monthly fees.*
No minimums.
*One-time fees include out-of-network ATM fees and second replacement card fees. See cardholder agreement for full fee schedule.
55,000 fee-free ATMs nationwide.
Allpoint ATMs are located in many popular retail stores: Target®, CVS Pharmacy®, Walgreens®, CircleK® and Speedway® among others. Convenient and fee-free.
Up to $250,000 fully insured.
Your time is here to enjoy – not worry – about your savings. That’s why Charlie accounts are insured up to $250,000 through our partner bank, Sutton Bank, Member FDIC.
**Earnings Credit Reward is not the obligation of any bank and is not paid by Sutton Bank. The Earnings Credit Reward is not interest and is offered at the sole discretion of Charlie.
Retire from work, not from living.
Charlie gives you access to the funds that are rightfully yours so you can enjoy a life you rightfully earned - when you decide. Having spent a lifetime providing financial security and emotional support to others, now it’s your turn.
Prioritizing your peace of mind
Advanced fraud protection
Trust and security come first at Charlie, with proactive measures including real-time transaction monitoring, protecting your money from fraud and scams.
FDIC-insured
Your savings are safe and secure. Deposits of up to $250,000 are insured through our partner bank, Sutton Bank, Member FDIC.
Banking services by Sutton Bank
Founded in Ohio in 1878, the bank behind the scenes at Charlie has been FDIC-insured since 1934.
You have questions.
Charlie has answers.
How do I receive Social Security payments 3-5 days early?
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How Does Charlie Work?
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How does Charlie FraudShield work?
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How do I set up FraudShield?
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How Do I Know I Can Trust Charlie?
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Does Charlie Charge Fees?
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Does Charlie Have Physical Branches?
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Is Charlie a Bank?
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Are Charlie Accounts FDIC Insured?
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Who Is Sutton Bank?
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What Do I Receive After I Sign Up?
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How Do I Get Started With Charlie?
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Can I Send Checks?
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Can I Pay My Bills With Charlie?
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Is Charlie a Prepaid or Credit Card?
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Where Are Charlie ATMs Located?
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What Is Charlie’s Mission?
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How Does Charlie Make Money?
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Does Charlie Sell My Personal Information?
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How Can I Contact Charlie?
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Why is the company named Charlie?
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Anything else? Email Charlie here.
Social Security payments 3-5 days early
No fees. No interest.
Move your Social Security Direct Deposit over to Charlie and no matter when you receive payments, Charlie will make your payment available 3-5 days early.