I can't tell you how awful it was when paypal debited my checking account twice for a payment. I caught it within 5 minutes and called paypal and their response was too bad, contact the seller and get your money back. Luckily the seller was great and responded right away but paypal did not even after the seller recended one of the payments and it resulted in overdrafts on my account. Luckily my bank was understanding and gave me back most of the money. It took two weeks for paypal to release the amount back into my account. I try never to have my bank account debited but you have to be careful because it automatically comes up first. Once taken shame on them, twice taken shame on me, so I will be extra careful from now on.