Last week, my bank calls to say my account is overdrawn.  Seems that 
somehow an unauthorized transaction occurred and I am now nearly $2000 
poorer.  And my bank helped them out by transferring money out of my 
savings account to cover the 'shortfall' in my checking account.  Of 
course I dispute the transactions with both with paypal and my bank.

Thankfully, as of today, the money is back in my PayPal account.  Of 
course, it still remains to be seen if it withdraws properly, but at 
least it is back in my available paypal balance.  It looks like I'm only 
out the $33 overdraft charge and the time and hassle of closing old bank 
accounts and setting up new ones.  After I get my money back out of 
paypal, I'm going to hit them up for the overdraft charge and see if 
they will cover it since it wasn't my fault.

Moral of the Story - If you use Paypal, set up a dedicated account at a 
bank you don't normally deal with. 

Aaron
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