I have enough money in my bank to cover my payment.. but it makes me do the e-check method which takes 3-5days. so to send an instant transfer on paypal with your bank you have to add a credit or debit card to your account as a backup method of funding. I tried adding a VCC to my account so I could accomplish this.. but now it's trying to use the VCC and when I go to more funding options it won't let me choose the bank for instant transfer.. still the e-check method. The VCC I chose ended up being some indian cc.. because it's showing the currency exchange on the review your payment page. do you think this is why it won't let me do an instant transfer still? if i were to get a debit card with my bank and added that, do you think my instant transfers would work?