You can start using your bank account to make payments after you verify ownership by confirming it.

If you enter your bank account number manually, we’ll prompt you to confirm this bank account. Within 3 business days, check your bank statement for 2 small deposits (each between $0.01 and $0.99 USD) that we sent. You can also contact your bank to find out the exact amounts of these deposits. Then you can enter these amounts in your PayPal account to finish confirming this bank account.

To confirm a bank you've linked on the web:

1. Go to Wallet.
2. Click the bank you want to confirm.
3. Enter the exact amounts of the 2 deposits made to your account. For example, if you receive two deposits of $.05 and $.15, enter .05 and .15 on the screen.
4. Click Submit.