Ok, I figured out the "ARGH!"

After doing some personal investigation on why I was sending echecks via PayPal- my misplaced debit card had expired on 02-07, causing my March transfers to go thru my bank account.

I never received an expiring card notice from PayPal but had thru eBay, and what is kinda scary is that I lost the debit card way back in October - I had cancelled it and got a new card and new number. So be careful with lost credit/debit cards on PayPal, as they are still active, when you have cancelled them! Going to contact my bank on this matter now!