I've read on this board that PayPal can legally go into your bank account and take money from you (e.g. for chargebacks) by 'piggybacking' off taking fees out of your account, if that makes sense. I think I also read from a poster that they can do this but only if you have Automatic Payment Method set up. So I write to eBay to cancel APM. They wrote me back this long-winded email which didn't really explain much (what a surprise) but from what I gather, they seem to be saying that the only way I can disable APM is if I cancle my seller account. (They say they will not use the APM if I settle my fees before the end of each month, but it's still there.) Is this correct? What are your experiences with it? After hearing all the horror stories about unreasonable chargebacks and eBay/PP siding with the buyer, I just want to make sure they have no means to steal my money. Thanks for your advice and for sharing your experience.