I read on the Paypal site that funds for payments are supposed to be withdrawn from your Paypal account balance first and then from your bank account if necessary. A couple of days ago I made two personal calls to Paypal because I knew there was not enough funds in my bank account and I wanted to double-check that the payment was taken from my Paypal balance. Nevertheless my bank account was overdrawn and the bank fined me $6 today. Thanks Paypal! As expected, I saw that there was this site called "Paypal sucks" so I can let others know about my experience.