What type of card automatically withdraws money from a checking account?

A debit card is connected directly to a checking account and allows users to make purchases or withdraw cash, with the money being transferred immediately from their account. This functionality makes debit cards convenient for everyday transactions, as they provide direct access to funds without the need for borrowing, which is typically associated with credit cards.

When using a debit card, the user can only spend what is available in their checking account, ensuring better financial management and helping to avoid overdrafts. In contrast, credit cards allow borrowed funds to be used, gift cards have preloaded balances and cannot withdraw from a checking account, and prepaid cards operate similarly to gift cards but may allow for reloads. Overall, debit cards are designed specifically for direct access to checking account funds, making them the correct answer.