At the time of a purchase, whether you opt for "credit" or "debit" the funds will come from the same source, your checking account.  Once a purchase is made, the funds are either debited immediately from the account (debit transaction) or they are placed on hold until the merchant completes the transaction (credit transaction).  Either way the funds are no longer available in your account.  For more information about your EECU debit card, please review our EFT Disclosure