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Purchased L$ via paypal, bank account not charged?


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You have (or should have) money in two places...you should have some money in your RL bank account, AND you should have some money in your PayPal account.  

When you make a purchase with PayPal, such as buying $L for Second Life, the money is deducted from your PayPal balance.  Assuming there is enough to cover the purchase, that's all, you're done.  If there is not sufficient money in your PayPal account, PayPal makes an electronic transfer from your RL bank to cover the shortfall.  This electronic transfer will take a few business days.

But here's an important point, specifically about using PayPal for Second Life.  Linden Lab will not wait those several days for money to go from your bank to your PayPal account to them.  They demand immediate payment.  So if you don't have enough money in your PayPal account to cover your Second Life bills, your payment method will be rejected.

It's important to always have enough money in your PayPal account to cover charges from Linden Lab, including purchases of $L, land fees, and Premium membership dues.  You can transfer funds from your bank to PayPal yourself, using the "Add money" link on the PayPal site.

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