You’ve been

mother and child sitting on the grass in front of a tent

the planner

woman and young girl singing into microphones

the supporting act

father and two children playing in the backyard

the host with the most

a boy about to blow out candles on a birthday cake, a man stands next to him holding the cake

the baker

mother and son on the beach with arms around each others shoulders

the one to lean on

mother and child sitting on the grass in front of a tent
woman and young girl singing into microphones
father and two children playing in the backyard
a boy about to blow out candles on a birthday cake, a man stands next to him holding the cake
mother and son on the beach with arms around each others shoulders

the planner

the supporting act

the host with the most

the host

the baker

the one to lean on

Now it’s
‍your turn

To enjoy the moments that matter

You gave your all, all those years. You provided for your family, your friends. You’ve been the cook, the entertainer, the teacher, the driver, the breadwinner. You’ve been the rock, the mentor, the shoulder to cry on.

You didn’t let tired eyes, sore knees, bad backs or chapped hands hold you back from putting those you love first.

You’ve been the everything to everyone. Now, It’s your turn.

Who We Are

The Charlie team brings over 300 years of experience from some of the world’s most trusted brands. 

Team Member Spotlight

Nick Shutwell

SVP of Growth & Distribution

Nick leads Charlie’s focus on partnerships and marketing, identifying ways to partner with other leading consumer brands that cater to the 62+ community.

Previously, Nick served in leadership roles with Clearcover, American Family Insurance and the Medicare division of UnitedHealth Group, the country’s largest health insurer. As a father to one child with Down Syndrome and another child with Autism, Nick is an advocate for individuals with disabilities and special needs. He’s actively involved with various non-profits, including serving on the Board of Directors and Board President for the Ronald McDonald House. He’s also and avid sports fan and outdoor enthusiast, where he serves as a coach for various youth sports.

How Does Social Security
Early Access work?

Charlie Advisors

At Charlie, we are constantly striving to learn about the needs of retirees and soon-to-be retirees from those who have spent their careers serving them.

Featured Advisors:

Marty-Martin-headshot-picture.
Marty Martin
President, Liberty Bankers Insurance Group
Tim-Turmelle-headshot-picture.
Tim Turmelle
Former SVP, Sutton Bank
Kevin-Potts-headshot-picture.
Kevin Potts
Former COO, Union Pacific Railroad Employees Health Systems

As Featured In

For the moments that matter...
Kids-playing-with-their-father.

Fishing on a Tuesday

No more waiting to do the things your heart desires. Access the means to live your best life in the here and now.

Kids-playing-with-their-father.

Steel guitar on Saturdays

Now is the perfect time to fulfill those dreams, without worrying if you can afford them. With Charlie, you can.

Kids-playing-with-their-father.

Ice cream always

Living is best done in the present moment, and ice cream tastes good any day of the week. Always have enough to treat yourself and those you love.

Join waitlist

Prioritizing your
peace of mind

gpp_maybe

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.
Join waitlist

You have questions.
Charlie has answers.

How Does Charlie Work?
add
Charlie offers a Charlie Demand Deposit Account with a Charlie Visa® Debit Card through our partner bank, Sutton Bank, Member FDIC. You can use your Charlie Visa® Debit Card anywhere that accepts Visa® and send checks via Charlie.com. You can also access a network of over 55,000 fee-free Allpoint ATMs at major retailers like Target, CVS, and Walgreens.
Charlie offers a Charlie Demand Deposit Account with a Charlie Visa® Debit Card through our partner bank, Sutton Bank, Member FDIC. You can use your Charlie Visa® Debit Card anywhere that accepts Visa® and send checks via Charlie.com. You can also access a network of over 55,000 fee-free Allpoint ATMs at major retailers like Target, CVS, and Walgreens.
How Do I Know I Can Trust Charlie?
add
Charlie Accounts are insured up to $250,000 through Sutton Bank, Member FDIC. Charlie Visa® Debit Cards also come with Visa®'s Zero Liability Policy(1). Further, our systems have undergone rigorous security testing, and we employ state-of-the-art identity protection and 24/7 transaction monitoring services.
Charlie Accounts are insured up to $250,000 through Sutton Bank, Member FDIC. Charlie Visa® Debit Cards also come with Visa®'s Zero Liability Policy(1). Further, our systems have undergone rigorous security testing, and we employ state-of-the-art identity protection and 24/7 transaction monitoring services.
Does Charlie Charge Fees?
add
We have no fees for sign up, minimum balance, transactions, and there are no monthly account fees. Charlie charges fees for out-of-network ATM withdrawals and balance inquiries, card replacements (the first replacement is free of charge), and international transactions. We do not charge fees or interest for early access to Social Security payments. Other third parties involved in transactions may charge fees outside of Charlie's control, which may be disclosed at the time of the transaction. For more information on fees, refer to the Charlie & Sutton Bank Cardholder Agreement.
We have no fees for sign up, minimum balance, transactions, and there are no monthly account fees. Charlie charges fees for out-of-network ATM withdrawals and balance inquiries, card replacements (the first replacement is free of charge), and international transactions. We do not charge fees or interest for early access to Social Security payments. Other third parties involved in transactions may charge fees outside of Charlie's control, which may be disclosed at the time of the transaction. For more information on fees, refer to the Charlie & Sutton Bank Cardholder Agreement.
Does Charlie Have Physical Branches?
add
Charlie is currently an online platform. We have over 55,000 fee-free ATMs nationwide through our Allpoint ATM partner network at major retailers like Target, CVS, and Walgreens, and our U.S.-based customer support agents are here to answer any questions you may have.
Click here to find an Allpoint ATM near you.Click here to find an Allpoint ATM near you.
Charlie is currently an online platform. We have over 55,000 fee-free ATMs nationwide through our Allpoint ATM partner network at major retailers like Target, CVS, and Walgreens, and our U.S.-based customer support agents are here to answer any questions you may have.
Click here to find an Allpoint ATM near you.
Is Charlie a Bank?
add
Charlie is a financial technology company offering financial services custom-made for the 62+ communities' unique needs. Charlie is not a bank. Banking services are provided by Sutton Bank, Member FDIC. Charlie Accounts are insured up to $250,000 through our partner bank, Sutton Bank, Member FDIC.
Charlie is a financial technology company offering financial services custom-made for the 62+ communities' unique needs. Charlie is not a bank. Banking services are provided by Sutton Bank, Member FDIC. Charlie Accounts are insured up to $250,000 through our partner bank, Sutton Bank, Member FDIC.
Are Charlie Accounts FDIC Insured?
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Anything else? Email Charlie here.

Yes. Charlie Accounts are insured up to $250,000 through our partner bank, Sutton Bank, Member FDIC.

Who Is Sutton Bank?
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Anything else? Email Charlie here.

Sutton Bank, Member FDIC, is our partner bank and was founded in 1878. Charlie Accounts are insured up to $250,000 through Sutton Bank, Member FDIC.

What Do I Receive After I Sign Up?
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Anything else? Email Charlie here.

Upon signup for your Charlie Account, you will receive a Charlie Visa® Debit Card and unique account number that you can use for paying bills.

How Do I Get Started With Charlie?
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Anything else? Email Charlie here.

As part of signing up for Charlie, you authorize future Social Security payments to be deposited into your Charlie Account. Charlie then sends a secure, electronic request to the Social Security Administration, which typically takes 1-2 weeks to process.

You will receive notifications from both Charlie and the Social Security Administration once the update is complete, confirming that future payments will go to your Charlie Account! The destination of your direct deposit will be listed as Sutton Bank on SSA.gov, which is our partner bank. Charlie Accounts are insured up to $250,000 through Sutton Bank, Member FDIC.

In the meantime, you will continue to receive Social Security payments to your current account on file with the Social Security Administration.

Can I Send Checks?
add

Anything else? Email Charlie here.

Yes. You can send checks from your Charlie Account to individuals and businesses in the United States free of charge. Simply log in to Charlie.com and choose "Pay and Transfer" to have us mail a check for you.

Can I Pay My Bills With Charlie?
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Anything else? Email Charlie here.

Yes. There are three ways to pay bills. You can use your Charlie Visa® Debit Card, you can send a check from Charlie.com free of charge, or you can provide your Charlie Account information to your biller and have them debit your account via ACH.

Is Charlie a Prepaid or Credit Card?
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Anything else? Email Charlie here.

No, Charlie offers a Charlie Demand Deposit Account with a Charlie Visa® Debit Card through Sutton Bank, Member FDIC.

Where Are Charlie ATMs Located?
add
See Allpoint's ATM network here.

Anything else? Email Charlie here.

We have over 55,000 fee-free ATMs nationwide through our Allpoint ATM partner network at major retailers like Target, CVS, and Walgreens.

See Allpoint's ATM network here.
What Is Charlie’s Mission?
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Anything else? Email Charlie here.

Too many 62+ Americans face financial uncertainty. Charlie is a banking solution that enables retirees to maximize their limited resources and provide peace of mind around their financial present and future.

How Does Charlie Make Money?
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Anything else? Email Charlie here.

When you spend your money with your Charlie Visa® Debit Card, Visa® pays us a percentage of what they earn from the merchant. This is our primary source of revenue and enables us to provide your account with no monthly fees and free access to over 55,000 ATMs. We do not charge fees or interest for early access to Social Security payments. Charlie charges fees for out-of-network ATM use, card replacements (the first replacement is free of charge), and international transactions. Other third parties involved in transactions may charge fees outside of Charlie's control, which will likely be disclosed at the time of the transaction. For more information on fees, refer to the Charlie & Sutton Bank Cardholder Agreement.

Does Charlie Sell My Personal Information?
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Anything else? Email Charlie here.

Charlie does not sell personal information such as name, account number, address, or SSN to third parties. For more information, refer to the Charlie Privacy Policy.

How Can I Contact Charlie?
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Anything else? Email Charlie here.

Have an account? Call (866) 674-9629. Still not convinced Charlie is right for you? You can contact a member of the Charlie team at (800) 557-0138 to answer any outstanding questions.

Why is the company named Charlie?
add

Anything else? Email Charlie here.

Charlie is the smart, kind, trusted nephew who is in the know, but not a know-it-all.

contact
add
here

Anything else? Email Charlie here.

Anything else? Email Charlie

here
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