Charlie is Banking for the 62+

members are upgraded for FREE to Charlie+

  • Plus icon
    5% earnings = more $ to enjoy.
  • Plus icon
    1% cashback at major pharmacies.
  • Plus icon
    Priority U.S.-based phone support.
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    Social Security 3-5 days early.
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    Advanced fraud protection.
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    Free NortonLifeLock™.
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    No monthly minimums*. No fees.

Charlie is a financial technology company, not a bank. Banking services provided by Sutton Bank, Member FDIC.

Charlie app and card photo.

Lock icon inside of a shield

Comprehensive, personalized protection built exclusively for the 62+.

Customize your FraudShield settings to match the way you live. Just set it and forget it. PLUS, Charlie Gold members get the exclusive “Is This Fraud” email evaluation service. Forward us any email and a real person will review it and evaluate if the email looks suspicious.

Social security payments calendar.

Social Security payments 3-5 days early.

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.

Savings concept with the text "5%" written.

Earn 5% = more to enjoy

Your savings deserve a boost, which is why we pass on 5% earnings on average monthly balances. More for you to spend and enjoy, exactly how you decide.

Cash-back promos through Charlie.

1% Cash Back at most major pharmacies

We’ll pay you 1% cash back on every purchase you make at CVS, Walgreens, Duane Reade and Rite Aid, up to $100 every year.

Charlie customer service through your phone.

U.S.-based Customer Support With Priority Service

Need help with anything? Charlie is here for you with U.S.-based customer support. And with Charlie+, you’ll be given priority order when you call in.*

*Charlie+ member calls are given priority placement within customer service call queues, and are handled ahead of calls in the standard membership queue

Additional Benefits

Waived monthly fees as a SelectQuote member. No minimum balance.

*One-time fees include out-of-network ATM fees and second replacement card fees. See cardholder agreement for full fee schedule.

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.

Target logo.Walgreens logo.Pharmacy vertical logo.

55,000 ATMs all over America.

Allpoint ATMs are located in many popular retail stores: Target®, CVS Pharmacy®, Walgreens®, CircleK® and Speedway® among others. Convenient and fee-free.

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.

Get Charlie+ for FREE as a

Monthly Fees


Free for 

(normally $8/mo)

*$8 fee waived for first two years of membership

Charlie Standard


Earnings on average monthly balances



U.S. Support



Cash Back

1% back at most Major Pharmacies*

*Up to $100 per year

No Cash Back


Is This Fraud? Email Service


Join Charlie Now

Learn how we collect and use your information by visiting our Privacy Policy

Charlie is a financial technology company, not a bank. Banking services provided by Sutton Bank, Member FDIC.