Do I need a bank account to sign up? December 27, 2022 20:18 Yes. A valid bank account under your name is mandatory to sign up for a Cheese Credit Builder Loan. Related articles How do I sign up for a Cheese Credit Builder Account? Why can’t I sign up for Cheese and what can I do about it? How will the Cheese Credit Builder payment be reflected on my bank statement? Where is Cheese available? Will you perform a "hard" inquiry on my credit report?