I did the exact same thing. Took me 10 minutes at the drive-up window at my bank to open a new account and another 5 minutes when I got home to link it to eBay. I don't expect to save a damn dime on fees and such but I'll admit the whole thing was easier to do than I thought.
Good point about PayPal! I've had my eBay account since 1999 (back when it was practically the Wild West - no credit cards or confirmations necessary to start an account, sending checks as payment was common, and you could leave anybody feedback for any reason) and my PayPal account since maybe 2002, with nary a security issue from either one of them, ever. Clearly I still don't trust eBay enough to link my main bank account but at some point I have to give them credit where it's due
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