Banking lending

Cheddar

Website

Ditch your bare-bones, high-fee checking account. You deserve free and powerful everyday banking. Nearly 3 out of 4 millennials would rather go to the dentist than listen to their bank. While it's possible that we just really love our oral hygiene, it's more likely that we don't trust or like our banks. It's not hard to understand why. Big ba

Overview

Ditch your bare-bones, high-fee checking account. You deserve free and powerful everyday banking.

Nearly 3 out of 4 millennials would rather go to the dentist than listen to their bank. While it's possible that we just really love our oral hygiene, it's more likely that we don't trust or like our banks.

It's not hard to understand why. Big banks use big budgets and armies of salespeople and marketers to sell old-school products layered with fees and penalties. Their profits increase when we spend more, overuse debt, and make mistakes like overdrafting.

Big banks get away with this because banking is such a vital service. Everyday spending and saving decisions that begin at the checking account ultimately determine whether we'll lead a healthy and secure financial life.

What can be done? Bill Gates believes banks aren't necessary for banking. Millennials believe technology companies can make banking better. So let's build a better bank. Cheddar is a new mobile bank account, debit card, and business model to free the world from underpowered checking accounts and evil banks.

Company description As recorded 2026-11-08
Banking lendingConsumer appConsumersConsumerSubscription

Founders & team

Brian Brunner

Founder

Founder of DataShare, previously was the engineering manager for the team at Stripe that built Sigma and Data Pipeline.

LinkedIn
Founder profile As recorded 2026-09-15
2team members reported
Source-reported As recorded 2026-09-15

News & product activity

Sources & observations

Y Combinator

Profile depthverified profile
Website observationwebsite reachable
Last website check2026-11-11
Location · source statedNot documented
Pricing evidenceNo pricing page confirmed
Maturity: Not assessed · 3 of 6 areas documented

Source-based assessment · automated evidence rules

The source reports an inactive or acquired company; current product identity needs review.

Maturity is an evidence-based assessment, not a success rating. It may understate the current stage where evidence is limited. Coverage records documented areas, not a complete or independently audited company history.

Stage definitions
independent websitesource corroborationreachable websitedescriptive evidenceclassified market and modelsourced people
startup.observe Directory coverage · Sources & method