If it's metabank or ally your days are numbered. Gmac which is also ally for some reason will last longer, but there is a big issue here and it's that there is no eBay account attached. At least with an eBay account, paypal can see why and how the money comes in and what you are selling to generate this money. The main purpose of a vba is to help avoid trouble on eBay while first listing an item, once your account does ok and gets a few sells them you link a real bank account.
I would go here http://www.aspkin.com/forums/
These guys really know what the fuck there doing. They sell accounts and they have a reputation to uphold.