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Banking that Rewards You.

Up to 10% cash back at 10K+ stores.²
Up to 3% deposit bonus.³
Sign up now and we will donate $10 to nonprofits.⁴
Your funds are securely held by our partner bank,
Coastal Community Bank. Member FDIC.

"Cheese is a good rewards checking account for immigrants, Asian Americans, and people who want to support Asian American communities."

Rating 4.25/5

HOW WE ARE DIFFERENT

Earn Big When You Spend.

Get up to 10% cash back³ at 10K+ stores and Asian owned businesses and restaurants.
No clicks, no activation, straight cash, all automatic.

HOW WE ARE DIFFERENT

Get the Highest Reward.

1% - 3% Interest + 0.5% Cashback

Let’s say you pay $50,000 in school tuition. With the Cheese Card, you’d get $250 cash back!

HOW WE ARE DIFFERENT

Make a Difference Together.

Whenever you refer a friend, you’ll both get a 3% deposit bonus.⁴
Each new user means we give back more to the causes that need it most.

HOW WE ARE DIFFERENT

Build Your Credit History.

Start building your credit score with Cheese from day one. It’s the easiest way to start improving your credit score.undefined

HOW WE ARE DIFFERENT

Get Paid Earlier.⁶

2 days can make a big difference. Set up direct deposit and enjoy your paycheck up to 2 days earlier.⁶

HAPPENING NOW

Support Asian-Owned Restaurants & Earn Cash Back.

In celebration of Asian Pacific American Islander (AAPI) Heritage month this May, Cheese is offering 5% cash back on selected Asian-owned restaurants to help the communities and reward users.

See the Story in the News >

Security & Support
You Can Count On.

Risk Control & Anti-Fraud

Your account is safeguarded with 256-bit encryption.

Zero Liability Protection⁸

Your purchases and transactions are protected.

FDIC-Insured⁹

Your Cheese account is protected for up to $250,000.

One-Click Card Freeze

You can freeze/unfreeze your account instantly in the app.

Reliable Bilingual Support

English and Chinese. More languages coming soon.
Small savings add up to a big win!

No Banking Fees
= Saving Est. $329 a Year.⁷

No monthly fees. No minimum balance. Plus, no fee MoneyPass ATMs nationwide.
"I didn’t know much about banking in the US. With no credit history, I didn’t think I had any good options. I was so surprised when I heard Cheese is designed for us, and offers benefits that I never thought I could get!"

Tracy - International Student at USC

"In order to control my budget, I choose to only use debit cards after paying off all my credit card debt. It's the caviar on top that Cheese is a debit card but with credit card benefits. Plus, it’s nice to earn high deposit bonus on my account!"

Zack - Surfer from San Diego, CA

"I moved to the US not long ago and it’s been such a struggle to get a credit card. I’ve been turned down again and again. So, I joined the Cheese waitlist as soon as I saw the card offers premium account benefits for immigrants."

Vida - Moved to US from Philippines

"I didn’t know much about banking in the US. With no credit history, I didn’t think I had any good options. I was so surprised when I heard Cheese is designed for us, and offers benefits that I never thought I could get!"

Tracy - International Student at USC

"In order to control my budget, I choose to only use debit cards after paying off all my credit card debt. It's the caviar on top that Cheese is a debit card but with credit card benefits. Plus, it’s nice to earn high deposit bonus on my account!"

Zack - Surfer from San Diego, CA

"I moved to the US not long ago and it’s been such a struggle to get a credit card. I’ve been turned down again and again. So, I joined the Cheese waitlist as soon as I saw the card offers premium account benefits for immigrants."

Vida - Moved to US from Philippines

Apply with Confidence.

Up to 10% cash back.³
Up to 3% deposit bonus.⁴
Get paid up to 2 days earlier.⁶
© 2019-2021 Extra Financial Inc. (DBA Cheese) See Privacy Policy

¹While we designed Cheese for Asian communities, we welcome all U.S. Cheese lovers over the age of 18.
²CHEESE OFFERS A BASIC 0.25% CASH BACK ON ALL ELIGIBLE PURCHASES 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 FOR UP TO 10%. PLEASE REFER TO CHEESE’S MOBILE APPLICATION FOR A COMPLETED LIST OF PARTICIPATING VENDORS AND CURRENT CASH BACK INCENTIVES. ADDITIONAL TERMS, CONDITIONS, AND EXCLUSIONS APPLY AND CAN BE FOUND IN THE CHEESE TERMS AND CONDITIONS AGREEMENT.
³CURRENTLY, 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. ADDITIONAL TERMS, CONDITIONS, AND EXCLUSIONS APPLY AND CAN BE FOUND IN THE CHEESE TERMS AND CONDITIONS AGREEMENT.
⁴Cheese will donate $10 for each new user that signs up March 10th through June 10th, 2021. The total amount will not exceed $90,000.
⁵Traditional Banks On Average Have An Interest Rate Of 0.06% For Checking Accounts. Data Provided By VALUE PENGUIN.
⁶Early Direct Deposit May Post Up To 2 Days Earlier Than The Scheduled Payment Date. Early Direct Deposit Of A Paycheck Depends On Factors Such As The Timing Of The Payer’s Deposit Transmission, And The Type Of Payer Transmitting The Deposit. Additional Terms, Conditions, And Exclusions Apply And Can Be Found In The Cheese TERMS AND CONDITIONS AGREEMENT.
⁷On Average, Banks Charge $329 Fees Per Account Per Year. Based On BANK FEE FINDER 2017 REPORT. The Full Report Could Be Accessed HERE.
⁸For More Information Regarding Zero Liability Protection, Please Visit MASTERCARD BENEFITS.
⁹Banking 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.