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Home Categories Checking Accounts The offline debit card is not connected to the online system when used. Thus, the funds are withdrawn from the account after 24-72 hours. An outstanding check is a financial instrument that has not yet been deposited or cashed by the recipient. Overdraft protection is a guarantee that a check, ATM, bank transfer or debit card transaction will be canceled if the account balance falls below zero. A transit routing number is a nine-digit number used to identify a bank or financial institution when settling funds or processing checks. Unified Payments Interface (UPI) is a smartphone banking application in India. The value date refers to some future point in time when the value of the account, transaction, or asset becomes valid. A zero balance account (ZBA) is an account that maintains a zero balance by transferring funds to and from the main account.