Barry -- yes, it is a good idea to have a Personal PayPal (PP) account [no fees] and a Business (or Premiere) PP account [for selling on eBay, accepting credit card receipts, pays fees].
For each account you need a different:
¶ email address
¶ bank account (can be savings or checking)
¶ credit card, I believe -- doesn't hurt to have credit cards attached to you PP accounts.
