I don't have my bank account tied to PayPal. My account is years old so I guess it was grandfathered in. I did get a notice I had to summit my bank account info to continue but I never did. Still have the same account. I sell rare and out of print book on ebay a few times a year and that keeps enough quilting money in my PayPal account. If you keep a credit you never have to use your bank account or credit card to buy items.