I had a Pay Pal account once when I sold a couple of things on Ebay. I thought the Pay Pal would automatically put the funds in my checking account. Not true. You have to make the transfer. It cost me $50 before I realized this. Could not find any monthy fee so I sort of forgot about it until the day I decided to check on how much money I had in Pay Pal. So transfer it to your checking ASAP.