An offline debit card is a debit card that is utilized like a credit card-that is, no PIN number is utilized during the point-of-sale transaction and the user validates the transaction by signing. However, as with a traditional debit card, the sale is drafted directly from the user’s checking account. Offline debit cards are usually limited to the number or amount of transactions allowed over a given period of time, usually daily. Transactions involving an offline debit card do not occur immediately, and process usually with 24 to 72 hours of the sale. Offline debit card transactions that result in a nonsufficient funds situation are usually treated as a nonsufficient funds check.