Ummm - seriously if she had of just done the EFT on YOUR PAYDAY instead of asking for SPECIAL and doing it on a Saturday a day late for you and than screwing that up by being LATE in the day instead of by noon or whatever the agreed upon time was she would not have to be writing a cheque in the first place

She screwed up - it is her problem not yours!

How fast a bank cheque clears depends on way too many factors and is NEVER consistent ... could she pay CASH instead if it is such a hardship for her to balance her bank account than neither of you have to worry about cheques or late payment - if she does not arrive with payment by close of business you send her to got get it and charge a LATE FEE for it being past due!