I objected to that as well but they told me it was for ID verification only. They deposite some change in your checking account. You go to your checking account and see what the amount was and tell eBay. That's how they know you are who you say you are. But like you, ain't nobody getting carte blanche with my bank accounts Alright, maybe SWMBO!
Then, on your first transaction, on the bottom left corner of the menu it says something like "other choices". If you click on that you can list your credit card with them in it's place. They have not touched my checking account even though at one time I forgot to pay them for money I owed them for auctions. Doing it this way gives them some modicum of proof that you are safe to do business with. I think in most cases it likely serves them well.
My friend on the other hand is a doubting Thomas. He opened another checking account at a differant bank just for ebay purposes. As he puts it, he can never loose more than what's in that account and he doesn't let it build.
I don't have a problem with it and have over 140 transactions.
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Thank you to our families of soldiers, many of whom have given so much more then the rest of us for the Freedom we enjoy.
It is true, there is nothing free about freedom, don't be so quick to give it away.