How long does it take to open an account? November 12, 2020 15:43 Updated Once we launch, it’ll take just minutes to apply, and most accounts are approved and opened in just a few minutes. Related articles Who can open a Cheese account? Can I open an account if I live outside the US? Can I add my spouse or child to my account? How do I link an account to Cheese? Do I need to have a smartphone?