Which form of payment allows customers to draw money directly from their checking account at the point of sale?

Focus on the key requirement in the question: The payment method must allow customers to draw money directly from their checking account at the point of sale.

Evaluate each option: A debit card is linked directly to a checking account and allows immediate withdrawal of funds at the point of sale. Gift cards are prepaid and not linked to a checking account. Cash is physical currency and does not involve a checking account. Credit cards allow borrowing funds from a credit line, not directly from a checking account.