Guys, I don't think many banks would back you in cases like this. If your bank has, that's great. Another piece of advice on doing business with board members. I paid alpine455 (Eric Waine Kanack) via PayPal gift but rather than use my bank balance as the funding source I used my credit card. This costs a bit more, $20 in my case, but it provides a level of protection. Capital One has returned the funds to my account. But, like others have said it's best to be cautious and do business with individuals having a solid reputation here. I suppose I was excited by the prospect of getting a good deal on something I needed and accepted the risk.