I do not have Paypal and don't know a great deal about it but if you are not a seller, only a buyer, like on Ebay, and other sites, is it true that you have to link Paypal to your checking account?

I DO NOT have a credit card, only have a checking acct but I feel hesitant to link it to Paypal as money automatically comes out of it.
When I write a normal check, I have of course proof from my cancelled check and most of all the places I write checks to - monies are not taken out automatically. I know some places do checks electronically and then you are given the check back right away, but as it turns out the places I shop, grocery stores, large dept. stores, pet supply stores - do not do checks electronically and process as it as a normal check with monies coming out anywhere from several days to over a week later.

So..I was wondering if linking Paypal (as a buyer - not seller) can possibly cause mistakes, problems on your checking account?