sandoppe, My PayPal account actually is a Money Market account which pays much better interest (1.6%) than my bank account, so I don't lose anything by keeping a few spare dollars there. I don't do instant transfers, but allow the bank to spend the 3-4 days to move money, thus saving the wire fees. It means planning ahead, but I only spend money that I have budgeted and moved over for that purpose. For example, I knew that there would be an annual sale at RDNA so moved some money and waited. There's a few dollars left, and it can sit there until the next time I need to make a purchase. In 3 years the system has worked well. Carolly