Cheese: Credit Builder Account

With Cheese, your daily experiences and adventures have never been so rewarding.
Cheese is a banking app that rewards you. With no fees, you can get up to 10% cash back on purchases big and small automatically¹, paychecks up to 2 days early², access to 33,000+ no-fee MoneyPass® ATMs nationwide, and FDIC insurance up to $250,000³.

EARN BIG WHEN YOU SPEND
Get up to 10% cash back¹ at 1000+ stores and Asian-owned businesses and restaurants. like Walmart, Nike, Walgreens, and more. No clicks, straight cash, totally automated. Saving money could be this easy.

GET BONUS VALUE GIFT CARDS⁵
Shop various gift cards with up to 40% bonus value, including Nike, Saks Fifth Avenue, Ulta, BestBuy, Apple Gift Card, Coinbase and etc.

NO BANKING FEES
Say goodbye to banking fees. Cheese has no monthly maintenance fees, minimum balance fees and hidden fees. Plus, you get access to 33,000+ free in-network ATMs nationwide.

GET PAID UP TO TWO DAYS EARLY
With direct deposit, you can get your paycheck up to 2 days earlier² than your colleagues/you would with traditional banks.

JOIN CREDIT BUILDER WAITLIST
We’ll help you build your credit score fast by Cheese Credit Builder — No interest, no credit check. Join our waitlist now.

Signing up just takes 2 mins on your phone, with NO credit check. Once approved, your virtual card in the app is ready to use immediately, and we ship your physical card to you in 7-10 business days. Sign up now to get $5 cash deposited into your Cheese Account!

For more information, please contact our email: support@earncheese.com

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***Learn how we collect and use your information by visiting our Privacy Policy at https://www.earncheese.com/privacy-policy ***

¹ Cheese offers a basic 0.25% cash back on all eligible purchases that are settled and not being refunded, with a daily $10 total reward cap. In certain cases, Cheese may partner with selected vendors to offer additional cash back rewards on eligible purchases up to 10%. Please refer to Cheese’s mobile application for a completed list of vendors and current cash back incentives. Restrictions may apply. See Cheese Terms and Conditions for details at earncheese.com/terms.

² Cheese offers a basic 0.3% (annual rate) simple deposit bonus. Each user is eligible for a bonus equal to 0.3% (annual rate) of their daily balance. There is no minimum balance required to earn this bonus, and it is credited to the user’s Cheese account on the first day of the following month. The exact simple calculation of this deposit bonus is your daily balance in the Cheese account x 0.3% / 365.

At Cheese’s discretion, a 3% deposit bonus may be offered from time to time. Any individuals who are eligible for the deposit bonus reward will be subject to a maximum of $25 per calendar month. Restrictions may apply. See Cheese Terms and Conditions for details at earncheese.com/termsconditions.

³ Early Direct Deposit may be posted up to 2 days earlier than the scheduled payment date. You may initiate direct deposits by providing your employer or government benefits administration with our Routing Number, and your 12-digit account number. Restrictions may apply. See Cheese Terms and Conditions for details at earncheese.com/terms.

⁴ Banking products and services are provided by Coastal Community Bank, Member FDIC. Cheese accounts are FDIC-insured up to $250,000 per depositor through Coastal Community Bank, Member FDIC. The Cheese Debit Card is issued by Coastal Community Bank, pursuant to license by Mastercard International.

⁵ Cheese is partnering with Prizeout to provide bonus value gift cards. See full Terms of Use at https://prizeout.com/terms/