Accounts to withdraw earnings

[amodtiwari1000]

Hi All,

Could someone help me please on below points:

I am not remembered if i have added any bank account with my profile at time of profile creation. Now my profile is showing two options As Paypal Account and Bank transfer.

1- How to identify which bank account is connected to my profile and what is difference between above two methods.
2- Can i choose bank transfer method even my earnings are in clearing state.

Thanks
Amod