You can transfer any money in your paypal account to your linked checking account electronically at no cost and it takes like one day. Make the balance = $Zero. Then anything you buy gets paid for on your back-up personal credit card. Since paypal wanted more personal information than I wanted to give them, like my SS# that I refused to do, this is the default. See this thread: http://forums.qrz.com/index.php?threads/paypal-wants-more-information-than-previously.655391/ And it sure sounds like you have some malware.