I set up a special credit card (my choice of which one - mimimal limit, no annual fees, etc.) just for Paypal. I then pay through the credit card (you have to click on more payment options or it'll automatically take it out of your bank account). Then each month, I just pay the credit card bill in full. It doesn't cost me anything, either with Paypal or the credit card company. Of course, if you sell on eBay and have a balance in yoru Paypal account, they take the money out of there first.