http://www.paypal.com/cgi-bin/webscr?cmd=_display-fees-outside You can click the above link to see what I'm talking about. Apparently I have a "premier account" which means I get charged a fee for accepting payments. I want to switch to a "personal account" so I can accept $$$ without get charged a fee, but then I won't be able to accept credit or debit cards. Now for the questions Does anyone have a personal account? Does it work ok? Is it really free to accept money and transfer it to a bank account? When you use paypal as a buyer, do you pay with a checking account or a credit/debit card? I'm just wondering if I would be hurting myself by switching accounts, or if most people use a checking account or paypal balance to make payments. Thanks for your time.