hi all... i've never used eBay to pay for an item. i usually pay for my bags with cash. i'm interested in a powerseller's listing... the person has received 99.9% positive feedback after 2500 transactions, and is a reputable seller according to tPF. the seller is willing to do a BIN with me, and is willing to accept a bank wire transfer or cashier's check since i don't use a CC. i don't have an individual account with a bank (i have a joint one with DH) so what's the best way of going about this? do i go to the bank and open up an account for myself? HELP!