What do you mean they want to take a small amount of money? They usually deposit a small amount of money into it to verify the account. If paypal is asking you to enter a bank account, if you have one then just enter the account and then verify the deposits that they do.
Also, Don't go into a panic if you login to your paypal account and the first thing you see is them asking you to add a bank account. That is one of the pages that comes up with new accounts. Just click the go to my account or the my account tab. You are not required to add a bank account, it is just one of their methods to verify you.
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