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Cheese: Mobile Banking

Cheese is a mobile banking service that rewards you. With no fees, you get up to 10% cash back on purchases bi...

Free

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Cheese is a mobile banking service that rewards you. With no fees, you get up to 10% cash back on purchases big and small automatically¹, a 3% deposit bonus for referring friends to join², paychecks up to 2 days early³, access to 33,000+ no-fee MoneyPass® ATMs nationwide, and FDIC insurance up to $250,000⁴. With Cheese, your daily experiences and adventures have never been so rewarding.

EARN BIG WHEN YOU SPEND
Get up to 10% cash back¹ at 10K+ stores and Asian-owned businesses and restaurants.
No clicks, straight cash, totally automated.

GROW YOUR MONEY FAST
Whenever you refer a friend to join, you’ll both get a 3% deposit bonus². Saving money could be this easy.

SAY GOODBYE TO BANKING FEES
Your account shouldn't cost you money. 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
No need to wait for payday to get your money. With direct deposit, you can get your paycheck up to 2 days earlier³ than your colleagues/you would with traditional banks.

>> Apple Pay™/Google Pay™/Samsung Pay™ for contactless payments.
>> Bilingual customer support in English and Chinese.
>> Pledging $100,000 to support Asian communities through every new signup, beginning from March 10th to June 10th.


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 visit 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 referral bonus may be offered from time to time when a referred individual joins the Cheese program by opening a Cheese account and funds the account with a minimum of $50. When this referral is made and completed, both the person who made the referral and the person who was referred will receive a boost for the bonus rate from the basic 0.3% (annual rate) to 3% (annual rate) for the next 30 calendar days. 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/terms.

³ Early Direct Deposit may post 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.

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.

Last update

Dec. 10, 2021

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