Can someone explain this to me. I have been a member of Paypal (Premium Merchant acct) since 1999. I have used E-checks, sent them, recieved them, and never have I been charged a fee of 5.00. I sent an e-check to my sister a few weeks ago and she just checked and she was charged 88 cents and I was charged nothing to send it. What is all of this I hear about a 5.00 fee. Is it when you do not have a credit card to back up your bank acct? Thanks in advance.