[Scoundreller]

It was the clawback of the hilariously low amount that I found dumb, not the verification technique.

In my experience, it’s 2x double digit amounts, not two single digit amounts. I guess if they’re clawing it back, maybe my low sums are out of randomness, or maybe they’ve really lowered the cap on the test deposits (less float/fraud loss but less security?).

[mthoms]

I suspect it’s because they want to verify they can withdraw from the account, not just deposit. Maybe they have deposit-only account links but IIRC the default is two-way. That’s because, for example, you can subscribe to various services using PayPal (if you have no funds in your PP account they will withdraw it from your bank account).

[Scoundreller]

This makes a lot of sense. Lots of advice in the early days of PayPal to have a separate account for them and keep nothing in it.

[davchana]

Capital one, when confirmed my credit union account by same method, didn't fetched the money back. Data point