Preheat your oven to 350°F and grease a standard loaf pan.
In a large mixing bowl, whisk together flour, baking powder, baking soda, salt, pepper, and garlic powder.
In another bowl, beat the eggs lightly, then stir in oil and milk.
Combine wet and dry ingredients until just mixed—don’t overdo it.
Fold in shredded zucchini, cheddar cheese, and chives if using.
Pour batter into the loaf pan and spread evenly.
Bake for 50 to 60 minutes, or until a toothpick inserted in the center comes out clean.
Let the bread cool in the pan for 10 minutes before transferring to a wire rack.