My PayPal account is hooked up to my credit card and my bank card, neither of which are confirmed. This morning, I began the confirmation process for my bank account, even going to the bank to set up an online banking account so that I could confirm it as soon as possible. According to the PayPal web site, this process can take from three to five business days. My questions are as follows: 1. I won my first eBay auction last night, but PayPal isn't letting me pay with my bank account, which is what I planned on doing. Is this because my bank account is unconfirmed? 2. If this is the problem, how long does the confirmation process usually take? I called them up, got put on hold for twenty minutes and then got disconnected. So frustrating.