[kiyaana]

I've had this happen when I didn't have money in my PayPal account and wanted to transfer a large amount (over $700) to someone. The system absolutely wouldn't let me do anything other than an e-check. Even though my bank account is verified, I couldn't use anything other than an e-check. (Credit card should have worked, though.) I even called PayPal and the support person said that the system automatically tags certain payments as e-checks. He couldn't override it for me.

If there's enough already in my PayPal account to cover the amount, it's never a problem. I think this happens because of the delay in getting the funds from your bank.