I have a paypal account and a bank account. Is paypal similar to a secondary bank account? Can I use paypal by itself to make payments, or do I need to link it with my bank account to submit payment? I am asking this question, because every time I log in to paypal, it says that I have zero dollars on my account. I wonder what that means. I have money on my bank account. Why doesn’t it show up in paypal? So, is paypal like a separate bank account or what?