iPhone Screenshots


Cheese is a mobile banking service that rewards your multicultural lifestyle and empowers you to seek diverse adventures. 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 cultural adventures have never been so rewarding.

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, surprise deals and more bonuses! Join the Cheese Community today!

>> Get up to 10% cash back¹ on brands you like. No clicks, totally automated. 10,000+ participating stores both online and offline.
>> Get paid up to 2 days earlier than your colleagues with direct deposit³.
>> No banking fees, no hidden fees, no minimum balance requirement.
>> Get a 0.3% base deposit bonus and boost it up to 3% by referring friends². The more you invite, the longer you can enjoy the boost.
>> No fee ATM withdrawal at over 33,000 MoneyPass® ATMs.
>> Virtual card ready to use immediately after signup.
>> Apple Pay™/Google Pay™/Samsung Pay™ for contactless payments.
>> Instant freeze/unfreeze your card in the app.
>> Friendly and responsive bilingual customer support in English and Chinese.

Download the app, sign up, and get your $5 bonus today!

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 1.0.888

1. Improvements on money transfer
2. Bug fixes

Ratings and Reviews

4.2 out of 5
23 Ratings

23 Ratings

yaboihek50 ,

App freezes

Sent a support message but still haven’t gotten a response. App just freezes and won’t let me do anything after logging in

Developer Response ,

We're truly sorry to hear about your experience. We would love to take a further look into the freeze issue for you. Could you please send your iPhone model number and iOS version to support@earncheese.com? That will help our engineering team a lot to fix the bug. Really appreciate your feedback, which helps us to improve the user experience and better serve our customers.

Mech8 ,

Waste of my time

Literally waited years for this. Planned my exit from my other bank around then followed every email ever social media post looked for every video I could find. When I finally got the email I could download the app and try it out I was Ecstatic. Just to find out that I downloaded the app to be considered for an account. That they say they will get right back to you and let you know I never got anything so I decided to try to log in and got a message sayin they can’t open me an account and can’t tell me why. So you give them your personal information for nothing. There is literally no reason I should have been denied. And feel all this wasted time was unnecessary. They do some kind of check and are denying people and taking their personal info but declining to give reasoning, while also claiming to do no types of checks and having no fees. Doesn’t seem very legit!

Developer Response ,

Thanks for taking the time to provide feedback. We strive to provide the best mobile banking app for everyone, and we’re sorry you had a negative experience. We appreciate your interest in Cheese!

mooozi001 ,

Strong cash back feature, especially for Asian shoppers.

I love the automatic cash back offered by this card. There are lots of vendors, from national brands to restaurants near me. More importantly, they offer cash back on Asian popular brands like Weee, 99 ranch, Yamibuy, Fantuan etc.

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.

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.

You May Also Like