Hi @Slxz,
Welcome to the PayPal Community!! Thanks for reaching out to us, I can certainly understand your concern with this. Typically, when a bank account is added as a payment method, it would process only as an eCheck, which processes in about 3-6 business days. As some merchants and websites don't accept eChecks, you would need to have a back-up payment method such as a debit or credit card. Here's how you can add a back-up funding source. With a credit or debit card, your bank account would be able to be used as an instant transfer. This would mean that a payment would be sent instantly, then would be pulled from the bank in 3-6 business days.
Hope this helps!
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