I actually had to search around and find an 800 number for Paypal (I'm in the USA) and had to speak to someone there, which took a little while to get the number and find a live person...they were a little sh$^(tty at first, because my account had initially worked and then they said they wanted to see how much money I was going to have coming in, I told them that wasn't their business since I only had a little come in at first, so they fixed it and it's been fine ever since. But starting it up took a lot longer than I initially expected. I think if you use a credit union that messes them up rather than a bank, although it shouldn't make a difference. Good luck!