open a new checking account, use it for paypal only....only leave a rather small amount of money in it, or transfer money into it when you need it. other than that, I use it ALL the time and stand buy it. Wonderful service, although the fees are beginning to suck when you sell an item on ebay AND have to pay paypal fees :(
Fast and Cheap is not Reliable. Fast and Reliable is not Cheap. Cheap and Reliable is not Fast.