Answer:
Debit Card
Step-by-step explanation:
The method of payment that Ashley should use to access the funds immediately and directly from her checking account is to use a debit card.
A debit card is linked to a checking account and allows the user to make purchases or withdraw cash directly from the account. When Ashley makes a purchase using her debit card, the funds are transferred immediately from her checking account to the merchant, which means the funds will be available immediately. The debit card also gives her the option to make an online purchase or withdraw cash from an ATM.
Another option for Ashley to access the fund directly would be to use an online banking system to initiate a transfer to the merchant, however this can take more time than using the debit card.
She should avoid using checks to make the purchase, as this method would delay the access to her funds as the check has to clear.