Echeck do take time to clear, usually it takes 2-4 business days between money leaving your bank and arriving at paypal's bank. Usually then it takes an hour or so to clear.
It has nothing to do with our bank. When money lands from your bank in Paypal's bank. It's only later that we can withdraw from Paypal.
I suppose you got the a similar message from us at checkout when using Echeck, as well as from Paypal:
It usually takes about 3-5 days for you to receive the money (estimated: 3/1/2011-3/3/2011). We recommend that you wait until the money arrives before shipping items. We'll email you when this eCheck payment has been deposited into your account.
Usually the real date is the first of the range estimated by paypal, seldomly one day later and rarely the last one.
The most reliable and instant way to buy is using Visa or MasterCard directly, that's stated on our checkout page, and works really well. Actually that well, that we didn't have a single issue since introducing the system in January. As long as your credit-card is in good standing order, it works really well.
That said, you are probably only hours away of having your Echeck being cleared, so waiting for clearance is probably best at this stage. If you choose paypal and Echeck instead of Visa or MasterCard, you explicitely did agree to wait for 4-7 days, vs getting instant access.
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