Are you 62+?
Welcome to Charlie.
Banking built for you.

You've been the everything to everyone. Now it's your turn.

Vintage picture of a girl singing with a microphone.
Mom holding her baby by a tent.
Mom and son at the beach.
Vintage picture of a girl singing with a microphone.
Mom holding her baby by a tent.
Mom and son at the beach.

Charlie FraudShield

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. 

Social Security payments 3-5 days early

No fees. No interest.

Move your Social Security Direct Deposit over to Charlie and get access to your Social Security payment 3-5 days early. No matter when you receive payments, Charlie will make your payment available 3-5 days early each and every month without fees or interest.

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.

Earn 4%  = more
money to enjoy.

Your savings deserve a boost, which is why we pass on 4% 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.

Target logo.Walgreens logo.Pharmacy vertical logo.

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.

Free NortonLifeLock

Your partner against identity theft, FREE* with your Charlie Visa(R) Debit Card.

No one can prevent all identity theft, so staying informed and knowing what to do when your identity is threatened can provide you with greater peace of mind.

*While this subscription comes free with your Charlie Account, there may be options to enroll in fee-based plans at an additional cost.

Senior man holding phone with Charlie app screen.

Retire from work,
not from living.

You have the rest of your life to live, and Charlie is here to help empower that 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.


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?


How Does Charlie Work?


How does Charlie FraudShield work?


How do I set up FraudShield?


How Do I Know I Can Trust Charlie?


Does Charlie Charge Fees?


Does Charlie Have Physical Branches?


Is Charlie a Bank?


Are Charlie Accounts FDIC Insured?


Who Is Sutton Bank?


What Do I Receive After I Sign Up?


How Do I Get Started With Charlie?


Can I Send Checks?


Can I Pay My Bills With Charlie?


Is Charlie a Prepaid or Credit Card?


Where Are Charlie ATMs Located?


What Is Charlie’s Mission?


How Does Charlie Make Money?


Does Charlie Sell My Personal Information?


How Can I Contact Charlie?


Why is the company named Charlie?

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Anything else? Email Charlie here.