How does a debit card function?

A debit card functions by directly accessing the funds available in your checking account. When you make a purchase using a debit card, the amount is deducted from your account almost instantly, reflecting the transaction in real-time. This means that the money is immediately transferred to the merchant, and you can only spend what you have available in your account, helping to manage your budget effectively.

The other functions mentioned, such as providing a line of credit or accumulating points, are characteristics associated with credit cards or rewards programs, which do not apply to debit cards. Additionally, while debit cards can indeed be used for cash withdrawals, they are not exclusively designed for that purpose, as they are also commonly used for making purchases in stores or online. This makes 'removing funds from the checking account almost instantly after a purchase' the accurate description of a debit card’s primary function.