Gert, do you have more information no how you set this up with your bank? I tried using a low balance account at my bank for PayPal once. A charge was made that I wasn't expecting. The bank refused the charge, but charged me a NSF anyway. Then PP reissued the charge and I got billed another NSF. I'd like to get what you have set up with my bank, but would need some reference material to show them.