The statement " an atom is neutrally charged" depends on the distance and the relative size you have to the atom: human beings are huuuuge and far away, and hence to them ( and most of their instruments) they look pretty neutral.
If, however, it came down to 10
-12 m (or less), both with respect to size and distance, you might discover that electron density (negative) and the atom's core (positively charged) are unevenly distributed in space, yes.
So, you might call atoms "multipoles" on this scale.
However, "charge" is not about polarity, but refers to the "outer" net surplus of charge of a given object.
you have to retreat from the atom to judge it's net-charge
... and from even a small distance all those negative charges and all those positive charges will fall into a mutual center of gravity: the core.
and there, form a slightly distant point of view, they cancel each other out: no net OUTER charge
regards
Ingo