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I have a Paypal debit card that my mom used when I was at PSU to transfer money. If you have your Paypal account hooked up to your bank account you can send money instantaneously to hypo and if she has the card she can use it right away.
There's no fee to use it as a debit card but it is a $2 charge to take out cash (but you can also say take out $40 once instead of $20 twice to save money that way) and most places take debit cards anyway. The only issues that I've had with it is that last summer they were calling me every other day asking if my charges were legitimate. Which is good because I never worried about fraud but annoying the one time they froze my account. They call you before they do that though.
Also sometimes when I'd go to get gas it would automatically charge $75 to my account and if there wasn't $75 in there it would get declined. Sometimes it doesn't do that though. But overall I like it and it was very useful for my mom and I who don't have the same bank. The transfer is also instantaneous and can be done through a smartphone app/on a phone's browser on your end.
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ever true
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