For the specific purpose of operating my Paypal account, I opened a checking account at the local bank, so that I can keep my business transactions separate from my personal transactions.  At the same time, I applied for a Debit Card.  I thought it would make good sense to use a debit card instead of my credit card for online shopping. 

My banker’s service was good.  Within two weeks, I got my debit card linked to this account. Also thanks to Alvin who gave me this blogging tip.