Note if you assume just that $T$ is well defined it follows in any number of ways that $T$ is bounded.
Anyway, that series converges because $T^*$ is continuous. Given $x\in\ell^2$ define $$s_n=(x_1,\dots,x_n,0,0,0,\dots).$$You verify from the definition that $$T^*s_n=\sum_{j=1}^nx_j\chi_j.$$And now since $s_n\to x$ it follows that $T^*x=\lim T^*s_n$.