That's interesting, because we tried this ourselves and that was not the experience we had. We used Doug's account and all of his bank options were available.
Are you in the US?
Another thought - if you enter credit card information, are you THEN taken to the area where you can select a bank account? I'm wondering if your bank account was still an option, but PayPal was forcing you to enter credit card information for some reason. (What PayPal does is out of our control, but it would at least help us to figure out exactly what's going on here!)