I just move money from my checking acct to my paypal acct when I make a purchase. It seems easier for me that way and it will show up in my statements when it was moved and such. so pay pal can take the payment out of you bank acct or you cna move it yourself just likeyou can on the bank acct. SAy for example, you buy a pattern or fabric online and want to use your paypal acct. THere is a tab there where you click on the tabe and you can move the money. I don't know if that makes sense or not, but I haven't used my acct since I made a purchase on an item. Huggies, Fay