Payment card whose funds are withdrawn directly from the cardholder's checking account
A bankcard that can be used with a PIN at an ATM or without a PIN at the point of sale, also known as an offline debit card. When used at the point of sale, the transaction is processed through interchange as a credit card transaction with the funds debited from the cardholder's checking account.
Instead of writing a check for a purchase, you present the check card and the amount of the purchase or withdrawal is deducted directly from your checking account. The card can be used at ATMs and vendors where Star, Visa, Plus, Cirrus, or Interlink is accepted.