The culture bonus is applied at the time of collection. Consequently, if you only check every 9+ hours you're likely to miss a few of the bonus points.
As a substantial number of folks use the notifications to ensure that they're responding in kind, one effective strategy is to do your visits at the START of your window, when you expect to still be on-line for an hour or so, rather than as the last thing that you do.
In other words, you CAN wait until somebody visits, before you collect from a finished building, to ensure that everything will be boosted, but the optimum strategy is to time things such that your buildings mature toward the end of your session, with the benefit of recent boosts.