"I understand how frustrating that can be." Yes, it certainly is. But at least the most important part of PayPal seems to work: basic payments in both directions. "When adding the bank, at what point in the process does the issue arise?" If I use Instant Add, I believe I have succeeded. The phone call validation passes, then nothing else happens. The Website just shows a blank "add new bank account" form. The bank account is not credited with test deposits 10 days after the attempt. If I use Manual Add, the same thing results: phone call passes validation but nothing else happens. "Have you used the bank you're trying to add on PayPal before?" Yes, I have several accounts at the same Bank, and one of them was added to PayPal many years ago. The account I am trying to add as an additional bank account is both a personal and business account with TD Bank, but is not considered the "main" account. I just logged into my TD Bank accounts and there are no pending ACH test transactions from PayPal to any of my accounts, even though I have tried to add the account several times over the past 10 days. David Spector
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