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Wire transfer fee or bank check, picked wrong for a $7k job

Last month I had a big invoice due and the client offered either a wire transfer with a $35 fee or a bank check that took 5 days to clear. I went with the check to save money, but my payroll hit on day 3 and I ended up covering $4k from my own pocket. Has anyone else chosen the free option and regretted the timing? What do you usually ask for with larger amounts?
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