In the USA, bank funds transfers are usually processed using a system called Automated Clearing House (ACH) which is operated by the US Federal Reserve (aka FEDWIRE). It's similar to the SEPA IBAN's your used to in the EU.
Unfortunately most of the online "banks" or these virtual payment handlers DO NOT work well with PayPal unless the account name matches.
Right now only brick & mortar banks with a physical presence can work with mis-matched ACH deposits.
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