I have used PayPal for quite some times now and over the years have had different credit/debit cards linked as well as bank accounts. I currently have my Bank of America debit card linked to my account but, PayPal says that I need to link my bank account directly with the routing number to be able to use my PayPal debit card for transactions when I have no funds in my PayPal account. My reason for wanting to do this is because my paypal debit card earns 1% cash back on purchases where as my Bank of America card does not. Anyways..today I went to input my Bank of America checking account routing number and account number. I double and triple checked these numbers, verifying that they were correct and yet each time I try to link the account I get a response from PayPal saying "instrument fails risk check. Need to go through authentication." What does this mean? I already have this account linked to PayPal through my debit card so why would I not be able to link with my routing number? Any suggestions will help. I don't know it makes a difference or not but I have been trying to do this through the PayPal app on my iphone.
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