Withdraw cash : you can take that amount out of your account in cash, either at an ATM or with a bank teller. If you use a credit union that participates in shared branching, you can even withdraw cash at other credit unions nationwide.
Spend with your debit card: your debit card pulls from your checking account, so you can only use it if you have funds available. Swipe or insert your card at a card reader, or make purchases online with that money.
Write a check: checks are also funded from your checking account. The difference is that it can take several business days (or longer, if your payee waits to deposit the check) for that payment to show up in your account. When you write a check, you should assume that the funds are no longer available – even though your bank says you can spend that money. This is something you need to track for yourself, and that’s easiest if you use a check register or you balance your account regularly.
Pay a bill: available funds can be used for online bill payment (whether you create the payment from your bank or your biller asks your bank for the money. If your billers pull from your account automatically, be sure to keep enough money on hand.
