Only if you choose to have a credit/debit card on file at the time of check in. Also, using online check-in will activate this as well, as of course, that begins the check-in process and you can only do online-check-in if you have a card on file.
If you make sure you don't have a card on file by checking your account settings on My Disney Experience and removing it before you check in on your check in day, you will not be charged the $100 fee hold.