Banks like to use acronyms to hide bad behavior on their part. My bank has a NSF ACH fee. NSF stands for Non-Sufficient Funds. Why they can't spell it out or say insufficient funds like the rest of us, I don't know. They also don't tell you about ACH which stands for Automated Clearing House which is overseen by the nongovernmental agency, NACHA, which on a one glance over their main web page and visiting a few other pages, I had no idea what it stands for, but can be found here. It stands for National Automated Clearing House Association. They charge to even look at their rules, which makes this article about transparency on their website a joke. This fee can be charged to savings accounts, which they don't tell you, and can and will be issued whenever someone decides to make any (automated? just about everything to do with account balances is automated to a degree) withdrawal from anybody else's account. Enter Paypal, Apparently, as I said before, they came up with a new "service" called Pay After Delivery which takes the money for no good reason out of your bank account, not your Paypal balance. The bank told me that PayPal told them that PayPal always takes money out of the bank account first. Look at this screen that PayPal puts up after selecting PayPal from a merchant.
Nowhere does it tell you anything about where the money is coming from. Also, there's nothing to tell you whether or not it just goes back to the site and tells it you successfully logged into PayPal and they're going to give the vendor the money.
Update: Someone from my bank called me and told me that NACHA charges them for "returning" a request for withdrawal. The place that made the request for withdrawal doesn't get charged though. I don't know why NACHA members thought this was a good idea, nor why they have to talk in a jargon to understand each other but can't seem to understand ordinary words for things.
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