Set up your bank account. Add your bank name, routing number and account number information into PayPal. Your routing and account number can be found at the bottom of your check. The first set of numbers on the far left is the routing number; the second set of numbers separated by a colon, the account number.

Verify your account. Once you establish the account, PayPal makes two small deposits into your bank account, usually within a few days. If you use online banking, check your statement–you’ll see two deposits with PayPal as the payee. You must enter the amounts into PayPal to verify that you own the account.

Transfer your funds. After verification, enter the amount of funds you want to transfer. Go to the section labeled “Add funds.” Choose your bank account then add the amount to transfer. Be sure the transfer details are correct before submitting. Within three to four business days, PayPal adds the funds to your account via an Electronic Funds Transfer (EFT).

Adding Credit Card Funds

Add your credit card to the PayPal system. Enter your name, the card type and number, expiration date and the card verification number (these are the last three digits on the back of your card).

Enter your billing address. PayPal confirms your card number as well as the billing address on your credit card statements. Click “Add card.”

you make some purchase or send money to anyone, its automatically picks up from your credit card.