Well PBS what maybe happening is when you set Paypal up, they usually have 3 options.

CC/Debit, E-check and the back-up source, I.E another CC/Debit or bank account. If you try to use a bank acc, or e-check & it get's rejected then they'll automatically use the back-up/last resort CC option.

Also are you verified on your bank accounts? To verify them Paypal will deposit like $0.02 & $0.17 into your accounts listed, then you'll log onto the site & enter those amount to confirm your accounts are yours, & valid.

Now if you have money in there, you can have it sent your bank account & then use it normally. I'm not sure if that answered your question or not, but hopefully it did.

Also check paypal to make sure they didn't " limit access" to your account. They did this bullshyt to me & I had to prove my account wasn't tampered with, if thats what they did, you'll have to reverify your account info before they " unlock" your available payment methods....Vegeta