When you send money with paypal, as long as you click "sending to friends and family", and you are using the money in your paypal account or your bank, it shouldn't charge you a fee I believe. If you use your credit card to send money, or if you click "paying for goods or services", I think then it will charge you a fee. I do agree with opening a separate bank account for paypal, I wouldn't link it to my main bank account. First Financial, if yall have that bank where you are, still will let you open an account without the monthly fee or direct deposit, most banks seem to wanna charge you if you don't have direct depost anymore it seems.