If you've been using Charlie for your Social Security, SSI, or SSDI deposits and need to switch to a new account, you're not alone. Moving your direct deposit is straightforward—but timing matters.
In this article, we'll cover:
- Why people are switching from Charlie
- What you need to move your direct deposit
- How to update your information with SSA
- How to avoid missing a payment
- Why Purple is a great alternative for benefits recipients
1. Why People Are Switching from Charlie
Charlie was a popular banking app for seniors and people on fixed incomes. However, many users are now looking for alternatives that offer more features, better support, or simply a fresh start.
Whatever your reason for switching, the process is the same—and it only takes a few steps.
2. What You Need to Move Your Direct Deposit
Before you start, gather the following:
- Your new bank's routing number
- Your new account number
- Your Social Security number
- A photo ID (if updating in person)
Important: If you're a representative payee, your new account must be titled correctly to meet SSA requirements. Not all banks understand these rules—so choose one that does.
3. How to Update Your Information with SSA
You have three options to change your direct deposit:
- Online: Log in to your my Social Security account and update your banking information
- By phone: Call SSA at 1-800-772-1213 (TTY: 1-800-325-0778)
- In person: Visit your local Social Security office with your new account details and ID
SSA typically processes changes within 1–2 payment cycles. You'll receive confirmation once the update is complete.
4. How to Avoid Missing a Payment
Switching accounts at the wrong time can cause delays. Here's how to keep your benefits flowing:
- Don't close your old account yet. Wait until at least one deposit lands in your new account.
- Double-check your numbers. A wrong digit in your routing or account number can cause major delays.
- Watch for SSA confirmation. You should receive notice that your change was processed.
- Time it right. If possible, make the switch right after a payment posts—not right before.
Important: If a payment is sent to a closed account, it may be returned to SSA. This can delay your benefits by weeks.
5. Why Purple Is a Great Alternative for Benefits Recipients
If you're looking for a new home for your Social Security, SSI, or SSDI deposits, Purple was built specifically for people like you.
With Purple, you get:
- Early access to benefits — up to 4 days early for SSI, 2 days for SSDI
- Real-time alerts when your deposit arrives
- Tools to track spending and stay under the $2,000 SSI asset limit
- Support for rep payee, dedicated, and ABLE-connected accounts
- A team that understands disability benefits — not just banking