I had some funds already in PayPal account & i did my 2nd ever PayPal transaction ever....my first one was for 150.00 and it went smoothly. There was no hold on it. So i had 150.00 in account..i just left money there....ok....2nd transaction was for 30.00. They put a 21 day hold on it. Meanwhile i set up acct so i could transfer it into my account at my Bank. So i ended waiting 21 day. Now i go to transfer monies over and it says 3-4 days possibly before it may hit account....kind seems like a big PIA to me.... So why ? Did the measly 30.00 amount be put on hold ? I didnt need money. But i sure wondered if people who do Ebay have to wait that long too ?