An off-line debit card does not deduct funds from the checking account immediately. Transactions are processed like a regular credit card and the funds are not deducted for approximately 24-72 hours. Off-line debit cards have a MasterCard, and Visa, or Discover logo.
An on-line debit card deducts funds from the bank account immediately, as soon as the card is used. There is no delay for processing the transaction. On-line debit cards can either have the MasterCard, Visa, or Discover logo, or they can have only the user’s logo, like an ATM card.