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 until well blended.
03 - Stir in the grated cheddar and chopped chives until evenly distributed throughout the flour mixture.
04 - Make a well in the center and pour in the buttermilk and melted butter. Mix with a wooden spoon or hands until a shaggy dough forms. Add additional buttermilk by tablespoon if mixture is too dry.
05 - Turn dough onto a lightly floured surface and gently knead just until it comes together—avoid overworking. Shape into a round loaf approximately 7 inches in diameter.
06 - Transfer loaf to prepared baking sheet. Cut a deep X across the top with a sharp knife.
07 - Bake for 30 to 35 minutes 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.