Cheese: Mobile Banking 4+

Banking that Rewards You

Extra Financial Inc.

    • 4.7 • 1.7K Ratings
    • Free

iPhone Screenshots


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.

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.

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

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.

With direct deposit, you can get your paycheck up to 2 days earlier² than your colleagues/you would with traditional banks.

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:

***Learn how we collect and use your information by visiting our Privacy Policy at ***

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

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

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

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

What’s New

Version 1.7.38

We’ve enhanced your Cheese experience.
- Your account experience has been optimized.
- You can now explore more bonus value gift cards!

Ratings and Reviews

4.7 out of 5
1.7K Ratings

1.7K Ratings

atallchief ,

Extremely Disappointed!

I only gave a five star review right now because I want my review to be seen! There are plenty of banks out there nowadays. So these banks really had to step up their gameIn order to get people to use their bank. For instants they were doing a you sign up bonus. The entire reason why I signed up was for that bonus. And guess what I didn’t even get the bonus. I started the process before the referral program and bonus ended. they ran out of money. So anyone who did sign up for that bonus won’t get it if The money wasn’t deposited before the end date. Which we all know deposits can take multiple days even weeks. Personally it took over nine days for the money to move from one account to the Cheese account! Is that my fault no it’s the banks fault I emailed them all my information and basically all they said was sorry about your luck. I did download the app and get all signed up with the bank before this promotion ended . I did it before it ended! This $45 was too help my family so much. I was basically depending on the money I never got it so it really screwed me over. I really feel like they should honor the fact that I deposited $50 to get the $45 bonus they should really make an exception!

Developer Response ,

We’re sorry to hear that you’re having issues with Cheese. Please kindly contact us at and we’ll be more than happy to discuss this with you further. I am sorry you are dissatisfy with our promotion and totally understand your frustration.
We will improve ourselves as we grow and hope will not disappoint you again in the future.

Kitty K9 ,

Angry as H. E. Double hockey sticks!!!! You can’t trust cheese with your Cheese!!!

As another reviewer I only put five stars so my review would be seen. I had money stolen from my account, recently for the second time. Cheese has horrible security and worse customer support and to add insult to injury the thief added themselves to my contacts in my cheese account and I can’t delete them! I contacted support on several occasions and their response was we can’t dispute transfers, even though I received an email after the thief stole money from my account which stated from Cheese: If you did not authorize this transaction use the link below for support and that’s just what I did, only to be ignored and receive no support or resolution. My account was hacked I had not used the person to person transfer but once in over a year to my husband no other person to person transactions. Now Cheese offers direct deposit DON’T DO IT!!!! Cheese does not value their customers, offers no real support and worst of all DOES NOT KEEP YOUR MONEY SAFE!!!! Fool me once shame on you, fool me twice shame on me! It should be called Swiss Cheese because it full of holes!

Developer Response ,

Hi, sorry you’re having trouble. It looks like we’ve recently contacted you about this situation. Check your email for an update from our support email and we can go from there.

mamidokrsas ,

So Far So Great!

Wow, so far there are a TON of benefits I didn’t even know about when I chose “Cheese”.
I simply chose it hoping for legitimacy based on a LOT of research and their customer service rep because I’ve been through quite a few of these Mobile Banks, honestly.
I need a bank that offers EVERYTHING a brick and mortar bank does in a Mobile Bank, as I’m disabled and unable to drive.
Sadly I contact customer service before opening each and every time and am told yes, only to find out later at some point they DO NOT.
They are either considered “pre-paid”, they are not accepted by Plaid Verification, I can’t do mobile check deposits or wire transfers, etc. etc.
I’m REALLY impressed so far, and as I stated, I had NO idea I’d be getting so many cash back and other crazy perks on top of it!!!

Developer Response ,

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

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

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