Your bank account is either a checking account, or a savings account. Paypal is an 'online' account that is attached to your checking account. You can add money from your checking account to your paypal account : )
Looks fantastic! To offset the size of the key, you might want to add 2 of the same gears on each side of the main clock piece. Also maybe add a few crystals to add sparkle! It is truly a lovely piece though! Congratulations on making something so beautiful on your first time!!!
I think it's gorgeous, but I imagine that the key will bump around a lot and not be mega comfortable for whoever is wearing it; perhaps try a smaller piece hanging down on the next one? Or maybe it's just me, I hate heavy things bumping around my neck
Actually, the piece isn't that heavy. Also, the key doesn't move much since it sits in the hollow of you neck, instead of bumping against your chest. When I wore it and was moving around, I really didn't notice it much. (I was running around and taking pictures XD)