I've only used paypal before for sending money. This is my first time for actually receiving money. My problem is that I can't withdraw the money into my Canadian bank account. It keeps saying that my institution number is invalid. I bank with BMO, which I thought was 001. And I only have 4 numbers for my transit number instead of 5. When I put a zero in front of my transit number, it says invalid also. What am I doing wrong?