# Charlie Financial — user reviews > 50 indexed App Store user reviews of Charlie Financial by Charlie Financial Inc., rated 4.70/5 from 1,576 ratings. - Source: https://appshunter.io/ios/app/charlie-financial/id6462687461/reviews - App overview in markdown: https://appshunter.io/ios/app/charlie-financial/id6462687461.md - Rating breakdown: 5★ 1,303 · 4★ 134 · 3★ 67 · 2★ 28 · 1★ 44 ## What do users think of Charlie Financial? Overall sentiment: positive **Pros** - 👍 Excellent customer service - 🚀 Early social security deposit - 🔒 Robust fraud protection - 💡 CEO's family uses the service - 👍 User-friendly and easy to use **Cons** - 🐛 Inconsistent information from customer service - 🐛 Account lockouts causing accessibility issues - 🐛 Delayed or missing debit card delivery **Commonly reported bugs** - Blank screen issues on iOS devices - Incorrect payment scheduling leading to late fees **Most requested features** - Ability to easily transfer money in and out of Charlie account - Facial recognition login for mobile app ## Newest reviews (12 of 50) ### 2/5 — Charlie financial. *2025-08-19, version 2.39.0* At this point I am so upset with this institution. The kept declining my everyday purchases. Now I can’t even deposit a check . It tells me it’s unable to load. I am definitely don’t with this. ### 3/5 — Can’t log in to my account *2025-07-30, version 2.36.0* Why can’t I log in to my account and the customer service isn’t responding ### 2/5 — Disappointing *2025-04-22, version 2.16* Has been unable to transfer my Social Security. Because I like this app I will have to facilitate my transfer through SS. Not ideal but will do it. Defeats the purpose of using this app for quick switch. ### 5/5 — Service *2024-12-12, version 2.6.1* The rep that handled my charge that I did not make, was the best to assist me with canceling and replacing my card. Love Charlie card. ### 5/5 — Excellent Service *2024-11-20* My name is Sharon and I want to express just how great Charlie Financial is. The Customer Service is exceptionally great! I would rate their service a 10 star rating! I am one very happy customer. ### 5/5 — Pleased *2024-11-15* I was extremely hesitant to change from my bank of 20 years, but the time had come. I haven’t regretted that decision. Customer service reps are ALWAYS helpful, polite, and extremely empathetic when having problems with retailers. I’m just sorry it took me so long to wise up. ### 5/5 — Resolved *2024-10-31* I called Charlie’s customer service because I was having issues with my debit card not knowing that I was the one who was in the wrong. I was trying to buy a gift card & when I couldn’t I called. My account was flagged as fraudulent because I did not know that using it to buy crypto was not allowed. So once all was cleared up I was able to access my money through. Thanks to the attention & patience of this beautiful lady called Luna. I totally appreciated that they looked out for me though it was my fault all along. Lesson learned…. Totally grateful!!!! ### 5/5 — Awesome customer service *2024-09-12* Charlie has an has been a awesome company and service to me and I really appreciate when you call the customer service top rated. They thoroughly does security to make sure you are who you say you are and then any update or whatever you need right away on point I highly recommend this service to anyone and customer service guy. His name was Jason Toothman I think, but he was very professional, highly organized and truly great. ### 5/5 — Fraud *2024-09-11* I’m truly thankful that Cami was able to help me and take care of what was wrong with my charges on my card and even though I had to get a new card, we got things straightened out to my satisfaction so thank you Cami and I love my Charlie card. ### 5/5 — Always helpful *2024-08-16* They are always patient and explain so this old lady can understand! ### 5/5 — Hickers *2024-08-07, version 1.2* Thank you for your protection I had to change banks.several times because of hickers My account has been safe so far. ### 5/5 — Brand new *2024-08-06* I am a new customer and I appreciate the fact that you all are sensitive to a person on a fixed income and that you’re doing your part to help. I appreciate that very much. ## Most critical reviews (10 lowest-rated) ### 1/5 — Bad bank *2026-01-06, version 2.55.0* This bank sucks don’t get it. They don’t test up they will put through anything. What are you ever even had a deposit or or paid that company it could be anybody anybody I’m like I got my identity stolen and you’re still putting things through that. I don’t even know those people and you’re paying them. Don’t get this bank. Glad they’re closing anyway at least in California told ### 1/5 — Charlie is the worst!! *2025-12-15, version 2.54.0* This service was subpar from the beginning but I stuck with them. Now that they are closing down with 2 weeks notice, I can’t get the balance of my deposit either withdrawn or moved to another bank. So much for helping Seniors especially those that are technically challenged. ### 1/5 — Terrible App *2025-12-12, version 2.53.0* Still don’t have my refund of almost $1200 ### 1/5 — Closing Charlie…??? *2025-12-11, version 2.53.0* Why is Charlie closing after making such a big deal about helping those of us that are 72 or older…??? ### 1/5 — What is going on? *2025-12-09, version 2.51.0* Charlie Closing? WTH is happening & WHY? We Deserve an Explanation!! ### 1/5 — Left Stranded Overseas - Couldn’t Care Less Customer Service! No Answers. *2025-11-07* In Nepal, not able to transfer my Charlie card balance to my debit card or bank account in the US. Auto payments are hitting my bank account, now overdrawn! Called customer service line which directs to a AI rep in Philippines. Told me “nothing could be done!” Talked over me, and told me to “be quiet” so they could read me a script! No help at all. No emails answered. Abandoned and NO fixes. Can’t access MY money. No compassion. Worst ever app and company supposedly serving 62+ market. Don’t bother! ### 1/5 — More than 1 call *2025-01-09* i’ve come to find out that if it is necessary to make more than one call to Charlie’s customer service expect more than one answer. of the 4 months that I have been with Charlie, I have never gotten the same answer twice to the exact same question it has become more of a headache than anything else. Charlie does not do business as a traditional bank does. ### 1/5 — Kick Out *2024-09-02, version 2.1* I got 1 over draft and I got kick off ### 1/5 — Misleading information *2024-08-01* You told me that you’re all set and my first payment will be July 30 then it’s not true because I scheduled my auto payments and now it’s late so I’m being charged late fees and penalties plus it’s lowered my credit score 100 points and chime canceled the auto pay feature because of incorrect payments and my chime card auto pay won’t work anymore because of the broken agreement. Thanks for making me feel like a fool. ### 1/5 — Useless *2024-05-17, version 1.2* I have down loaded and removed this app three times. All I get is a blank screen. I have a iPhone 14+ with 17.0 iOS. ## Most praised reviews (10 highest-rated) ### 5/5 — Ms *2025-07-10, version 20.31.0* Gary was outstanding in his knowledge, kindness, patience, intelligence and language. His experience with Apple is a big plus. Thank you, Gary! ### 5/5 — “Years of Reliable, Top-Notch Support!”!! *2025-07-06* I’ve been with this service for years and have never been disappointed. They’re outstanding in every area—from customer service to handling check deposits. Truly top-notch! ### 5/5 — Teresa Aguillon *2025-06-26, version 2.29.1* Excellent service, outstanding communication skills, solved my issue, explained processes, she deserves a Big Raise! Thank you!!! ### 5/5 — Love the app *2025-06-17, version 2.28.5* Makes me feel safe ### 5/5 — Riley *2025-05-29, version 2.28* Thank you Riley for helping me to understand how Charlie works and easing my anxiety about my SSI check and the setting up for the deposit Riley deserves a raise!! ### 5/5 — Love Charlie!! *2025-05-09* Great service and very customer friendly! I had suspicious activity on my debit card and they replaced it instantly online and sent me a new card. Thank you Charlie!! ### 5/5 — Excellent work *2025-04-18, version 2.16* Mr Robe ### 5/5 — THE BEST *2025-03-30* She was VERY nice, helpful, knowledgeable & patient. So far, The longer I am with this bank, the more I am falling in love with it. To speak to a person instead of an automated robot is THE KEY to a successful business, in my opinion, someone does answer the phone quickly, people are very friendly & very helpful, sincere, & also VERY knowledgeable. ALL these traits also adds to the success of a VERY THRIVING, successful business. I am so glad that I was told of this bank. ### 5/5 — From fear to PURE JOY!!!!!!!!! *2025-03-06* THE BEST!!!!!!!!!! I was helped very quickly, of which I thought would b an arduous, prolonged, maddening, unpleasant experience. It wasn’t!!!!!! The guy that helped me was EXCELLENT!!!!!!!!!, & made the entire experience QUICK & PAINLESS; which made me VERY HAPPY!!!!!!!!!!!!!! THANK YOU, THANK YOU!!!!!!!!!!!!!!!!!! ### 5/5 — Riley *2025-02-11* I had questions regarding my Social Security deposit, Riley answered the phone quickly, no wait at all, found the error, corrected it quickly. He should get a raise because you just don’t find people that care enough to go the extra mile. Seriously, give him a raise. --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-10.*