I use Paypal all the time. It's linked to my Amex credit card. I've never given them bank account information, and never will. I do use their enhanced security measure in which they sent me a card that generates a random code. When I make a purchase I have to provide my email address, password, and then a code randomly generated by the security card. So, if a hacker knew my email address and password, he could still not make the purchase without the additional code from the security card.
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