The old days of stacking structure
In the old days, before we had specialized hardware like joist hangers, we would always create beams, or low lying ledger boards and place the joists on top of them with some kind of toe-nail attachment.
The arrival of joist hangers
When joist hangers came into use, we tended to move the ledger board, the board that is attached to the house, up to the same level as the joists. Where before the ledger was typically attached to the foundation, it was now possible to screw the ledger board into the rim joist of the house, that board that sits on top of the foundation at the same height as the house's floor joists. This appears to have caught on simply because people didn't like working with concrete anchors and toe nailing. (With the old method, with the joists on top of the ledger, attaching the ledger to the rim joist would have the surface of the deck higher than the doorway.)
Complications with the rim joist
While this method made attaching the joists to the ledger simpler, there are complications in fastening into the rim joist: If you have stucco on the house, you can just screw through the stucco to the rim joist. If the house is sided with brick, you have to screw through the bricks into the rim joist, being careful to not tighten it so much as to crack the mortar between the bricks. And if you have aluminum or vinyl siding on the house, you have to cut away the siding to make a solid base for the ledger board. In all cases you have to use flashing and / or caulking to prevent water penetration into the basement through the attachment.
Moving back to stacking, with modern hardware -- new advantages
If we look at the wide variety of structural hardware that is available, you can find plates that take the place of toe-nailing. That has allowed me to recommend a technique of attaching a deck to the wall that I think is superior to what is commonly done these days.
I drop the ledger board back down to just under the joists. I attach it to the concrete foundation (no potential leaks into the basement) with lag bolts and lead anchors, but the trick is to put the lag bolts through vertical 2x2 spacers that are sandwiched between the foundation wall and the ledger board. This does two things: It allows water to run off behind the ledger board and it gives a full 1-1/2 inch support to the joists without forcing them into contact with the siding. The connectors I use come from the "hurricane tie down" series of Simpson Strong Tie connectors.