For instance, one account that accepts unlimited funds and CC (premier), and one for smaller transactions and transfers (no fees). Also, do you need to have a checking account linked to Paypal? I've been rather horrified at the accounts from other members re. Paypal deducting $$ from checking accounts and freezing accounts, all due to scamming buyers. I never knew they did this, and let's face it, if you sell a valuable item, you're more likely to be scammed, and the financial loss is greater. Basically, it seems we need to protect ourselves not only from unscrupulous buyers and sellers, but Paypal as well! Any ideas?