It's not my intention to scare anyone, but if you google something like 'paypal rip-off' or 'paypal fraud' you will find thousands of pretty awful stories. I use PayPal with a designated credit card only, as Paypal can freeze some, or perhaps all, of your bank account money. Say you have a Paypal account with access to your bank account; you sell someone an item for $1500.00, but they make a hassle and file a complaint against you. PayPal can freeze the amount in question until the issue is settled. If you need the money for an important payment or another purchase, then you are SOL.

I just think that, when using a credit card for Paypal, I'm at least covered by the card's fraud terms, and I can challenge any charges made to it. Giving access to my bank account to a third party doesn't sound very reasonable to me. Some people here at work that do a lot of paypal transactions have set up a separate bank account in a bank different from their household or business account bank. That way only funds that deal with paypal transactions are in jeopardy.

Of course, I only use my bank debit card at my designated bank ATM, so I may be accused of being super-cautious. However, I prefer that to the possiblity of losing money, or having any funds tied up in a resolution fight.

Fire, the wheel, and the I IV V -- foundations of civilization.