In reply to WhatsAUsername.

“Unauthorized electronic fund transfer is an EFT from a consumer’s account initiated by a person other than the consumer without authority to initiate the transfer and from which the consumer receives no benefit. This does not include an EFT initiated in any of the following ways:
“by a person who was furnished the access device to the consumer’s account by the consumer, unless the consumer has notified the financial institution that transfers by that person are no longer authorized; …”

So, correct me if I am wrong but that suggests to me that if you give another entity (such as PayPal) an ENDURING authority to allow that entity's bank to access funds in your debit banking account then that is a contractual matter between you and that other entity; that enduring authority is valid until it is revoked; in the meantime it does not directly involve the banks that process such “valid” transfers in any responsibility; any problem that you may have (with the likes of eBay’s clunky PayPal) may not be sorted out by your bank (as may be the case with a credit/debit card transaction); you may well have to take legal action against that other entity to right any claimed wrong ...