Cancelling account
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When you pay a seller its never instant, paypal CREDIT the seller upfront and paypal wait for the processing bank transfer ie echeque to complete.
It takes 5-7 days to go via ACH in batches but may leave your bank account after a few hours/days, that does not mean paypal have received it yet.
All bank transfers are echeques and who takes the 'wait' for clearance is dependent on type of payment etc.
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In your first post you said bank and not debit card, if it was debit card then you are correct it should be pretty prompt clearance, its only an echeque from a bank account.
Maybe give c.s. a call to check your account for you if you have checked subscriptions as @Grimreepr advised.
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