A credit card attached will assist you in increasing your selling limits, a bank account will not.

Also - if you are new to all of this you need to be aware that paypal can withold funds from buyers for up to 21 days before releasing to your account (paypal account).

Visit this site to see what is involved and how it is all working at the moment and what is being done to try and stop this (alleged) illegal action by paypal:

http://community.ebay.com.au/t5/Selling/21-DAY-HOLD-FINANCIAL-SERVICE-OMBUDSMAN-WANTS-TO-HEAR-FROM-Y...