The transaction that will REDUCE your checking account balance immediately is:
Using your debit card to pay for groceries at the supermarket.
When you use your debit card, the funds are taken directly from your checking account at the time of the transaction, reducing your balance immediately.
The other options do not immediately affect your checking account balance:
- Putting your monthly rent check in the mail today: This will not reduce your balance until the check is cashed.
- Depositing a check at a local bank branch: This will increase your balance, not reduce it.
- Using your credit card to pay for your school books: This does not impact your checking account balance, as it is a separate line of credit.