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okey dokey...what you need to do is "confirm your account" (i think thats what they call it) which can be done on the site, all you need is your social security number and bank account number. Then what they do is make two very small withdrawals from your bank accnt and then you go to the bank and find out how much the withdrawals were and then enter them on the site...then your accnt is linked to your bank accnt and now you can transfer funds
when i confirmed mine i dint need that social insurance crap. All i did was put in my bank account info, then like u said, they made two small deposits, and to confirm ure account it asks u what those deposits were. I was in the same boat as u, had on credit card. The only problem with using ure bank account is that it usualy takes a while to withdraw funds from your account, so u might wanna let the buyer know that it takes something like 4-6 days before it transfers from ure account to him after u clicked the pay button.