Are you talking about credit/debit card or checking account? You don't need to add any type of card in your account to use paypal. I prefer my current account on payments. There is no card in my account. Also paypal does not care wheter you're using checking or savings account. If your account is new, some payments (more than $100) going on hold due to security issues. They usually release the payment in hours, don't worry. It's also apply on getting paid. Continue using your account, get paid or send money. when the times come, they will ask verification of your account. Verify it and your limits will be removed and your payments will arrive in minutes. It's just about account status and time. That's all.
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