Charlie offers best-in-class banking for Americans 62 and older. Charlie helps your money go farther and helps you keep it safe. ✅ 3% earnings on average monthly balances. ✅ Get your Social Security payments 3-5 days early with no interest or fees. ✅ 100% USA-based phone support. ✅ Text alerts for all account activity. ✅ Personalized fraud protection. ✅ No minimums. ✅ No monthly fees.* ✅ 55,000 fee-free ATMs nationwide. ✅ Up to $250,000 fully insured, through our partner bank, Sutton Bank, Member FDIC. *One-time fees include out-of-network ATM fees and second replacement card fees. See cardholder agreement for full fee schedule. **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. Earnings credits are not interest and are offered at the sole discretion of Charlie and not any bank.