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About the application:

Cheese is a mobile banking service that rewards you. With no fees, you receive up to 10% money back on purchases large and little automatically¹, a 3% deposit premium for referring mates 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 everyday experiences and adventures have never been so rewarding. EARN BIG WHEN YOU SPEND Get up to 10% money back¹ at 10K+ stores and Asian-owned businesses and restaurants. No clicks, straight money, totally automated. GROW YOUR MONEY FAST Whenever you refer a mate to join, you’ll both receive a 3% deposit premium². Saving cash should be this easy. SAY GOODBYE TO BANKING FEES Your acc shouldn't cost you cash. Cheese has no monthly maintenance fees, minimum balance fees and hidden fees. Plus, you receive access to 33,000+ gratis in-network ATMs nationwide. GET PAID UP TO TWO DAYS EARLY No need to wait for payday to receive your cash. With direct deposit, you can receive 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 help in English and Chinese. >> Pledging $100,000 to help Asian communities through every fresh signup, beginning from March 10th to June 10th. Signing up just takes 2 minutes on your smartphone, with NO credit check. Once approved, your virtual card in the apk is ready to use immediately, and we ship your physical card to you in 7-10 business days. Sign up now to receive $5 money deposited into your Cheese Acc! For more info, please visit earncheese.com. ------ ***Learn how we collect and use your info by visiting our Privacy Policy at https://www.earncheese.com/privacy-policy *** ¹ Cheese offers a primary 0.25% money back on all eligible purchases that are settled and not being refunded, with a everyday $10 total reward cap. In certain cases, Cheese may partner with chosen vendors to offer extra money back rewards on eligible purchases up to 10%. Please refer to Cheese’s mobile application for a completed list of vendors and current money back incentives. Restrictions may apply. See Cheese Terms and Conditions for info at earncheese.com/terms. ² Cheese offers a primary 0.3% (annual rate) easy deposit premium. Each player is eligible for a premium equal to 0.3% (annual rate) of their everyday balance. There is no minimum balance needed to earn this premium, and it is credited to the user’s Cheese acc on the first day of the following month. The exact easy calculation of this deposit premium is your everyday balance in the Cheese acc x 0.3% / 365. At Cheese’s discretion, a referral premium may be offered from time to time when a referred individual joins the Cheese tool by opening a Cheese acc and funds the acc with a minimum of $50. When this referral is created and completed, both the person who created the referral and the person who was referred will keep a boost for the premium rate from the primary 0.3% (annual rate) to 3% (annual rate) for the next 30 calendar days. Any individuals who are eligible for the deposit premium reward will be topic to a maximum of $25 per calendar month. Restrictions may apply. See Cheese Terms and Conditions for info 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 Acc number. Restrictions may apply. See Cheese Terms and Conditions for info 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.