An echeque is generated by paypal if a buyer funds their paypal payment from their bank account but does not have a back up card linked to their paypal account as well.
An echeque and an instant bank funded payment are both the same but the latter one is credited to the seller instantly and paypal take the wait for the funds to transfer to paypal as the buyer has the protection of a back up credit card.
Sometimes if you click on "change" during the payment process it may give you an echeque option but normally if you have a bank account and card attached there is no need for that option. For security paypal sometimes give you ONLY that option if they think its a risky sale.
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