01 - Preheat the oven to 400°F. Line a baking sheet with parchment paper.
02 - In a large bowl, whisk together the flour, baking soda, salt, and black pepper.
03 - Stir in the grated cheddar and chopped chives until evenly distributed.
04 - Make a well in the center and pour in the buttermilk and melted butter. Mix with a wooden spoon or your hands until a shaggy dough forms. If the mixture is too dry, add another tablespoon or two of buttermilk.
05 - Turn the dough onto a lightly floured surface and gently knead just until it comes together—do not overwork. Shape into a round loaf, about 7 inches in diameter.
06 - Transfer the loaf to the prepared baking sheet. With a sharp knife, cut a deep X across the top.
07 - Bake for 30–35 minutes, or until deeply golden and the loaf sounds hollow when tapped on the bottom.
08 - Let cool on a wire rack for at least 15 minutes before slicing. Serve warm or at room temperature.