Two of my Natwest accounts are current accounts, I use one for internet transactions and other for day to day banking, the one I use for internet only ever has small amount of money at one time, worst case scenario the Visa debit card and/or the PayPal account linked to it would not lose me much money if any.
Might be worth asking your bank to setup an additional account? ask for standard current (no overdraft and can only spend available balance type account) and use this as I do
edit: just to add if you need to have a bank account linked to PayPal also for ebay purposes then use the second account as above, NEVER have your main bank account linked to PayPal.
