Preheat your oven to 350°F (175°C).

In a large mixing bowl, whisk together the flour, baking powder, salt, and optional garlic powder or dried herbs.

Fold in the shredded cheese gently until evenly coated with the flour mixture.

In a separate bowl, whisk together the milk, vegetable oil or melted butter, and large egg until smooth.

Pour the wet mixture into the dry ingredients and gently stir until just combined.

Grease a 9x5-inch loaf pan and transfer the batter into the prepared pan.

Place the loaf pan in your preheated oven and bake for 30-35 minutes.

Once baked, remove from the oven and let it cool in the pan for about 10 minutes.

Slice your warm Cheese Bread using a serrated knife and serve.