I had pay pal backin the day. A couple of friends of mine were 'caught' buying gun parts with pay pal and Pay Pal locked their accounts, making it unable to access their money. It was also very difficult to get pay pal off their accounts. When I got married about 10 years ago and we started new accounts, I decided to never let pay pal on to my bank account. I dont need that kind of hassle in my day to day life.