I agree that the ATM card adds a sense of security when you can get the money out right away rather than being limited and having a bank transfer reversed. That causes alot of unnecessary busywork. If you get limited atleast you got your money. I have an account that I clean out by the end of every day using ATM, Money Orders, and Cash Advances, usually about a grand, its actually quite fun, I never leave more than $20 in there at the end of the day...I use this account for website sales tho...
I agree with Modee about making the accounts correctly, since I joined about 10 months ago I have made about a dozen ebay/Paypal accounts but have only lost 2 (none to linking) and im using my third which has already survived a limitation/suspension...make your accounts properly, get through the initial limitation, and you will sleep better at night...
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