What payment method allows customers to draw money directly from their checking account?

A debit card is linked directly to the cardholder's checking account, allowing them to access the funds within that account for transactions. When a customer uses a debit card, the purchase amount is immediately deducted from their checking account balance, making it a convenient method for everyday spending while helping to avoid debt that can arise from using credit cards.

In contrast, a credit card allows users to borrow money up to a certain limit, requiring repayment later, usually with interest. Cash is a physical form of payment that does not involve direct interaction with a bank account for electronic transaction purposes. Online payments may also involve various payment methods, including credit cards or bank transfers but do not directly specify withdrawing from a checking account like a debit card does. Thus, the debit card is the best answer as it specifically facilitates direct access to checking account funds.