Originally Posted by mamasboy
NOT TRUE! Paypal cannot gain access to any bank accounts. That is FEDERAL LAW!!!!! Only a credit card company can reverse a payment and that is after the buyer makes a formal complaint. Paypal can only access funds that are still in your Paypal account. So, it is true that if you withdraw funds from your paypal account, paypal can't do a thing about it. They can only remove funds or freeze your paypal account.
If the money is in your paypal account, they can take it. If you have a negative balance, you can't use your PP account w/o clearing the balance. You can't associate a bank account w/ multiple PP accounts.
Believe me, I ran a negative balance for a few months while disputing w/ paypal. I made a second PP account w/ a previous bank account that i stopped using. Still, it was extremely inconvenient. I ended up winning, but I was crippled in using eBay for 3 months.