We have our account tied up to our credit card due to the same reasons already listed on this thread, the double protection you get from your credit card. My bank is pretty good and i have been refunded every single cent i was owed whenever i've filed an unauthorised charge. I recently opened an item not received dispute with paypal and paypal found it in favour of the person who ripped me off, so i got my CC people involved in it and i got my money back. I also do not like the idea of having our savings account tied up to some third party i have no control over. I'm paranoid some nut job is going to hack into paypal's client database and siphon all my money out of my account and into their off shore account or something. I know it's a bit far fetched but hacking into sensitive info like this has been know to happen even to the biggest companies in the past.