iPhone Screenshots


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.

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

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

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.

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.

***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.

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.

What’s New

Version 1.3.38

We've enhanced your Cheese experience with new features and a few bug fixes.
- Updated 5% Cash Back Local Restaurants Lists
- Optimized Freeze/Unfreeze Card Feature
- Improved Homepage Interface

Ratings and Reviews

4.8 out of 5
403 Ratings

403 Ratings

9777wuu ,

Convenient and easy to use

I have been using this app for a while and I am still loving it! First of all,thus app is really easy to deposit and withdraw your money. I like how they also have a feature to get your direct deposit 2 days earlier! The offer page has various exclusive discounts and coupons so I give that a a thump up ! Overall, great app and could be the one of top mobile banking in the future.

Developer Response ,

Hey! Thanks for the positivity! 🙌🏿 🙌🏽 🙌🏻 So glad to hear you’re enjoying Cheese.

Japhy Carbert ,


I have nothing to say but "wow!". Thank you cheese for giving me a better option! I've been frustrated by those big banks who claimed themselves that they care about their user but charge me so much money. Cheese is the only one who really aims at easy banking, cashback, and great customer service. Overall I feel like now I have a better financial situation and I wish cheese become better!

Developer Response ,

Fantastic! We love to hear when everything is going well. However, if that’s ever not the case, be sure to let us know that too so we can work with you to fix it.

Frenda Bartoszewiczrw ,

Great app, already recommanded to my friends

I just got this app last month. But I have to say that I think it's incredible! I've already recommended it to two friends, and just can't wait to let my family join Cheese as well!

Developer Response ,

Thanks for sharing with your friends.

App Privacy

The developer, Extra Financial Inc., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Identifiers

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Contact Info
  • Identifiers

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Location
  • Identifiers
  • Usage Data
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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