In general, it depends on your bank and how they handle overdrafting accounts. If you're sending a PayPal payment, they will always use any available money in your PayPal balance to fund the payment (unless you choose a different method of payment.) If you don't have enough money in your balance, they’ll try to take the money from your backup funding source. If you use PayPal and select the option of using your bank account or attatched debit card and the bank declines it, you will not be able to purchase whatever it is you are attempting to buy. However, if your bank approves it, and you have no money in the account, you will be subject to any fees and penalties the bank imposes on your bank account for not having sufficient funds to cover the transaction.
... View more