Join NowBuild credit, earn cash back¹, and get a deposit bonus², all under one account with Cheese.
Set up direct deposit and get paid up to 2 days early.
No monthly fees. Get an estimated $329 in savings per year. No minimum balance. Plus, 60,000+ no-fee MoneyPass for ATMs nationwide.
Pay phone bills with Cheese and get a free phone protection plan that covers all types of damage and theft.$500 annually with 2 claims and unlimited lines.
Forget about traditional secured credit cards. With Cheese, you won’t have to put down money and manage multiple accounts to start building credit.
Simply use your Cheese card and make timely payments and we will report this to credit bureaus as credit worthy payments. Watch your credit limit grow each month to reward your good behavior.
Purchases made with Cheese will not only help you build credit, but also earn you up to 10% cash back¹. No clicks, no activation, just straight cash, all automatically.
Once you onboard, a virtual Mastercard will be issued to your instantly. Use it like a normal debit card (plus a credit line) or add it to your digital wallet.
Make your deposit work for you! Cheese provides deposit bonuses that are higher than traditional banks³. Get up to 3% deposit bonus.
Cheese: a convenient and delightful way of building credit.
Your purchases and transactions are 100% protected.
Your account is safeguarded with 256-bit encryption.
If for any reason you need to freeze your account, you can freeze/unfreeze instantly in our app. Anytime, anywhere.
Your Cheese account is protected for up to $250,000.
Get support from real people. No more robots.
Establishing or rebuilding your credit is easier and more accessible than you think.
Download the Cheese mobile app and sign up in less than 5 minutes! If you don’t have a SSN, you could also easily apply with a valid U.S. address, passport and visa.
No credit check, no credit history, and no initial deposit required. Get issued an initial credit limit once you complete your set up and watch it grow every month!
Your virtual card will be available to you instantly. Enjoy cash back on your Cheese purchases. Meanwhile, we’ll report your account behaviors for a credit building opportunity.
Yes, of course! No SSN required.
Cheese will help you establish and build up your credit profile. Once you have a SSN in the future, your credit score and history will become visible.
No. We don’t check your credit score when you apply for Cheese Credit Builder.
No. You will be using your Cheese Debit Card to make purchases, receive cash back and make credit payments. All in one card. Banking should be this easy.
Join over 50,000+ members using Cheese, today!
Build credit & earn cash back
No credit check, no minimum deposit required
FDIC-insured
¹CHEESE 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.
²CURRENTLY, 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.
³FOR MORE INFORMATION ABOUT TRADITIONAL SECURED CREDIT CARDS IN BUILDING CREDIT, PLEASE CLICK HERE.
⁴For More Information Regarding Zero Liability Protection, Please Visit MASTERCARD BENEFITS.
⁵Banking Products And Services Are Provided By Coastal Community Bank, Member FDIC. See Privacy Policy . 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.