An update -- I have expanded Deb's Professional Services to make it more of a family business. We use PayPal. I have transferred $/ withdraw $ to my bank account and it worked great. They told me it would take longer to get to bank than it actually has. I have sent $ to my dau-in-law and she has withdrawn from her pp acct to bank; as well as my both my daughters doing same with no problem. One dau does transfers it to her work-issued debit card. Any problem we have had with PayPal when we call it is settled immediately over the phone. Hope this helps someone.