I use Pay Pal, but I don't have my bank account linked to them,
if you do, consider this, you probably know more about me than you know about any person working at Pay Pal,
there are probably a couple thousand smart IT folks at Pay Pal, some in India, some in China, some in Pakistan, and you give them your bank info,, that is your choice, certainly not mine,
be careful who you give your personal information to, its not 1997.