Get a free Family Photo Card with Charlie: banking for 62+
Get a free Family Photo Card when you sign up with Charlie today.
Social Security 3-5 days early- Advanced fraud protection
- No monthly fees* or minimums
- U.S.-based phone support
As featured in
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.
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.
How it works
Sign up for Charlie
In order to receive a Family Photo Card, you need to have a Charlie account.
Personalize your card
Upload a personal photo that you own or have permission to use.
Order your card
Your photo will be reviewed to ensure it meets Charlie’s and Visa’s photo guidelines.
Receive and activate your Family Photo Card, and show it off!
CharlieFraudShield
Comprehensive, personalized protection built exclusively for the 62+.
Sleep Mode
Blocks all card activity and ATM withdrawals. Allows reoccurring transfers.
Text me all transactions
Nothing happens on your account without your knowledge! We text you all transactions in and out of your account.
Block online purchases
Don’t shop online? No problem. You can block all online transactions and choose to keep Amazon and Walmart.
Upload a security photo
Identify if you’ve been sent a fraudulent link to Charlie by uploading a photo that stays on your home at all times.
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.
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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Show more
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.