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yeah, it says 0 dollars, but when you go to buy something, like lets say you're buying something for 20 bucks, when you fill out the complete order form, it says "deducting 20 bucks from bank account ending in...blah blah", and then if you add credit cards and stuff to pay pal, those go under options, so when you buy something you pick which account you want it to come out of (credit card/bank account, etc...). if you just added 300 dollars, you're going to have 300 taken from your bank account and put into your paypal account. if you want it bank in your bank account you have to transfer it back.