The credit card payment plugin enables you to collect the credit card information for when you want to process manually the transactions with your own payment terminal that you got from your bank.
If you want the credit card transaction to happen on your website and get the funds on your bank account, you should not use that plugin and instead, you should register with one of the several payment gateways for which we built an integration so that the transaction is handled by them. They will ask you your bank account information in order to be able to credit the funds on it. The most used payment gateways is PayPal but you can also use Moneybookers or AlertPay, or another one.