Problems With PayPal Echecks

Setup
Your Paypal account cannot use the eCheck option unless you have a checking or savings account associated with the Paypal account. It may take a few days to get a bank account associated with your Paypal account as Paypal verifies accounts through a small deposit. The bank account is not completely associated with the Paypal account until the person enters in the exact amount deposited in the account. After the setup is complete, transfers to and from the bank account are allowed. eCheck is also enabled on your account after setup.
Processing Time
The eCheck process works the same way that any bank transfer does. An ACH transfer moves the funds from the bank account in to your Paypal account, or to the Paypal account of the person receiving the eCheck. The processing time associated with the ACH transfer varies depending on the bank. A typical time frame is approximately two to three business days. It may also take several days for your bank account balance to reflect the transfer.
Automatic eCheck
If you do not have a backup funding source associated with your Paypal account, and you don't have enough Paypal funds to pay for an item, the payment is sent as an eCheck. You can also choose to send an eCheck specifically, using the "More Funding Options" selection available on the Paypal checkout screen. The payment processing time is the same whether you explicitly choose the eCheck option or Paypal has to use this option.
Considerations
Vendors and businesses may not complete an order until the eCheck is completely cleared in their Paypal account. An eCheck won't successfully complete if insufficient funds exist in the bank account. The eCheck payment lists with an uncleared notation until the funds have successfully been pulled from the bank account. You may need to wait for the payment to clear before you receive the item you paid for. If you need an item immediately, such as in the case of a digital download, you'll need to use an instant transfer method or Paypal balance.