Ashley wants to make a purchase using the money in her checking account. What method of payment should she use to access these funds immediately and directly?

The correct answer is B. Debit card.

A debit card allows Ashley to access the funds directly and immediately from her checking account for her purchase. Unlike a credit card, which borrows money from a line of credit, a debit card deducts money directly from her available balance. Prepaid cards require loading money onto them beforehand and direct deposit is related to receiving funds, not making payments.