Chuck was born and reared in Dallas, graduated from Jesuit High School and added bachelor and MBA degrees from Stephen F. Austin State University. It was at SFA that he met Dede, and they were married in 1989. They have two children – Nick (21), who graduated from Bishop Dunne and is an SFA student himself; and Kathy (19), who graduated from Ursuline Academy and is at UT-Dallas. Chuck works for Chase as a risk manager. The Garners have been parishioners since 1995 and live in Duncanville.