Charlie

Charlie was a Los Angeles-based digital banking platform built specifically for Americans aged 62 and older. Founded in late 2021 by Oscar Health co-founder Kevin Nazemi, it offered a fee-free FDIC-insured account through Sutton Bank with 3% earnings, early access to Social Security deposits, US-based human support, and FraudShield, a suite of fraud protections designed for the population that loses an estimated $28 billion a year to financial scams. After raising $23 million in 2023, Charlie wound down operations on January 21, 2026.