I play at Chumba all the time, grrr! What drew me to it is their minimum $5 deposit.
They were giving me a free chip about once a week. This last time it took them almost two weeks to send me one. I can't figure out the rhyme or rhythm, just happy to see the email saying they've sent me one when they do.
I've had multiple cashouts there that were sent to my bank, and it took 3-4 days for mine as well. But about 4 or 5 months ago they asked if I wanted to sign up for the reloadable debit card. It can be loaded from your bank account and then used to make deposits. So I got one. But here's the best thing about it. You can request cashouts to the debit card, and they are literally INSTANT! As soon as you choose the card as your cashout method, the money is in the card account instantly. One time I received a free chip, and played it up to the minimum cashout amount of $100 plus some. I made sure I played the $50 free chip at least once through since I believe I read that somewhere. Anyway, as soon as I cashed out, saw it in the card account, I hopped in my car and went to the ATM and withdrew it. Knowing me, I'd have played it back by making deposits via the card. lol They charged an ATM fee along with my bank's ATM fee. So like $5 total, but hey, it was instant free money!