Mike,
I have one and like triggerman have a small credit card used for online purchases attached to the account. No deposits for Credit Card, atleast when I signed up. Plus the added insurance through credit card if something should go "missing". Never had a problem with Paypal and have used it many times.
Carmen
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Red Coral Online Store 
www.redcoralaquarium.net
45 Gallon Cube with 10 Gallon Sump, Lighting 8 bulb T5, Vertex IN 80 Skimmer
-2 Occelaris Clowns, Engineer Goby, RBTA, Peppermint Shrimp
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