A credit card transaction (depending on the card) can take 2-3 days to process. ACH billing takes about 3-5 days processing, but most banks favor ACH transactions over paper checks when making funds available.
The first definition of the phrase cheesy in the Urban Dictionary explains that the common use of the word now is not what it originally meant. It was originally used to describe someone who tries too hard or is inauthentic. The more common way it's used now is describing something that is funny.
cheeky (comparative cheekier, superlative cheekiest) ( 1 informal) Impudent; impertinent; impertinently bold, often in a way that is regarded as endearing or amusing. ( 2 informal, Britain) Indulged in. ( 3 Australian Aboriginal) Poisonous (of animals such as snakes), dangerous, cunning, violent, potent.