insufficient funds

[BadHairDay]

What happens if I win a bid on eBay today,  my PayPal account doesn' t have sufficient funds and would need to draw from my home Bank account which does have funds?

Is there an overdraft charge for that?

[profdata]

If you have your bank account attached to your Paypal account, paypal will take the funds from the bank account, it would be sent as an e-check.

If you also have a credit card or branded debit card (m/c, visa) attached to your paypal account the payment from your bank account will be instant. 

Also it is always to fund you internet purchaseds with a credit card or branded debit card.  Most branded debit cards have consumer protection

[surplusdealdude]

And there's no overdraft charge - it's just a normal transaction for paypal.