You are completely missing the point by an internal bank semantic. Credit cards, yes, started replacing the high APR credit-checks. And then moved to a mix of

You are completely missing the point by an internal bank semantic. Credit cards, yes, started replacing the high APR credit-checks. And then moved to a mix of this and regular debit checks. But the actual process, which was what i was describing, was still pretty much exactly the same used to validate a check (whichever type) at the bank branch. Where the bank will draw the funds from is not a important topic when we are talking about process of the transaction itself.