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.
Jimmy always seems to have a will of his own. mischievous (of a person, animal, or their behavior) causing or showing a fondness for causing trouble in a playful way. Your usage of cheeky is perfectly correct. The NOAD definition aptly captures your intended meaning: cheeky. impudent or irreverent, typically in an endearing or amusing way. Unfortunately, this word is not too common among American speakers.