Okay. I just put a cheque in my bank. That takes at least three working days to clear. The cash in my bank is spoken for and is going to be debited out tomorrow. I want to pay for an Xbox 360 I won on ebay. Can I pay now without it taking the money that's already in my bank out? Because I assume Paypal transactions take 3-4 days to complete, by which time the cheque money will be deposited into my account. OR does Paypal check the account balance before paying and will it see that I haven't got enough money in the bank yet? I hope this is clear. Just looking for some clarification. Thanks.