Preheat oven to 450 degrees. Spray a baking sheet with nonstick cooking spray and set it aside.
In a medium bowl combine the whole wheat flour, all-purpose flour, 2 tablespoons wheat germ, baking powder, chives, and sugar, and then cut the margarine with a pastry blender or two knives into the mixture until it resembles coarse meal.
Stir milk and American cheese into the mixture until it is just combined.
Using a teaspoon, drop dough onto prepared baking sheet into balls about 1 inch apart and sprinkle balls with remaining 1 tablespoon wheat germ.
Bake for 10 to 12 minutes or until the biscuits become golden brown, then remove the biscuits from the baking sheet immediately and serve warm.