Depends on who and where your purchases are made. I personally used PayPal when purchasing through Ebay, but not very often. I usually do my homework before making a purchase and verifying the history of sellers. You are at risk if you use your main bank line. Create a seperate account descreatly for PayPal, once you finalize the purchase close the account, open another when needed. PayPal does not need your main bank account regardless of what they say! They tried to pull that line on me, but the FCC got a bit upset when I notified them of this. PayPal being a nusance? Please.... *cough* YES...! Very much so, as the later, I routinely close my bank accounts and credit cards associated with PayPal after each purchase or a set period of time. They, PayPal, have decided to religiously call and email me stating that I "NEED" to update my account information for security reasons...... BRB have to make some coffee and walk the dog..... Ok, i'm back, if I am not conducting any transactions there is no need for my busines/personal institutional information, my accounts are closed no transactions can process! Your, PayPal, service holds money to be collected, it's not an institution. I tell them that i'm more secure than not updating my account information when it's inactive, not being used, however, they have some obscured idea that it's still a security risk with closed account information against my PayPal account. To say the least I told them I would update the information when and if I used the service again, yet it still boggles them. Talk about talking to a bleached, bleached blonde red head (no offense to anyone) or an iron wall. They still call, thanks for reminding me I should file a complaint with the FCC again.