yes, you need to add your card (debit or credit) under your bank account. also make sure your paypal username same as in your bank account. for example if your bank account name is David Anderson then your paypal name must be same as in your bank account. otherwise your cannot withdraw fund that paid into your paypal account to your bank account. I've this experience too, first time when sign-up with paypal I use a nick name, then linked my card & my bank account. when someone from overseas buying & pay my item via paypal, one day when I try to withdraw the payment into my bank account, it cannot complete the task, instead returned with an error. then I report this problem to the paypal customer service center, and then in 2 days, they've called me, asking if anything they could help to fix this problem. with details explanation, finally I know it caused by my username that I signed in.