Val, I have stayed with Pay Pal only, since I have my website and Etsy using it. It keeps all the transactions in one place. This way I am not wondering if or when the transactions was finalized. Besides, I am not fond of Etsy holding to my money until they want to make the deposit. I have my money instantly in my Pay Pal account. Also, if there is a problem with the buyer not being verified or their address unconfirmed, Pay Pal lets me know right away. In addition, if I should ever get where I have a huge amount of sales on Pay Pal (from my lips to God's Ears), Pay Pal gives a lower percentage on the transactions.
I have been with Pay Pal, since 1999 and as of yet, I have never had a problem. I have heard some horror stories but there were times when people allowed their Pay Pal account to go below a certain amount and yes they got zap with a penalty. This also happens with your bank account as well. I only withdrawal money to add to my checking account, to pay my credit card bill. The balance stays in my Pay Pal account. I use my Pal Pal balance to make purchases on the internet.
Alanna, I will keep you and your sister in my prayers. I use to work for Travelers Insurance Company in health claims. This problem where a heart doctor does open heart surgery, then later it is discovered it was gall bladder problem and not a heart problem is nothing new. Insurance companies came down hard on heart surgeons who were preforming open heart surgeries when it was not necessary. I had one heart surgeon who I had noticed did surgery on my insureds, then a couple of months later, the patient had to have a cholecystectomy. I gave the files to my boss and he said, something smelled fishy in Denmark. Also, some doctors do not listen to women patients like they do men and disregard a woman's symptoms. The kind of heart pain a woman has, is different than a man's heart pain. This is why women usually do not get the same treatment for her heart problems and some die from their heart attacks. By the way, if your sister has this problem, you might want to be checked as well.
I have to make some frames today and get them done for Monday. I am going to watch some TV tonight and kick back. The weather is weird. I woke up and it was sunny, hour later there was lighting and dark, then it was sunny, now it is dark again. It is not hot, so I am okay with what it is trying to do outside. Have a great day everyone!