I've been on MP since mid April and chose weekly payouts. To date, I've not had ebay withdraw any funds at all, but I've not run into any unexpected fees or refunds nor do I use ebay labels ... all of those can easily put available funds into negative territory and trigger a bank account withdrawal. There are steps that can be taken to minimize that from happening though.
The most obvious solution would be to use a $USD credit card to backup the funds available in MP, that way your credit card would be charged instead of having MP withdrawing willy nilly from your bank account.
Again, I'm not an ebay labels user but one would think those purchases can be charged to a credit card, or at the very least backup available funds if they prove to be insufficient. The downside of buying lables with a USD card on DOTca would be the currency conversion involved in doing that.
The point is to have it setup so that MP bills your USD credit card whenever backup funding is required, then at months end just pay the balance off from your USD bank account. To my way of thinking an arrangement along those lines would be very simple to maintain.
The key point is to avoid setting your bank account as the backup funding source to eliminate unwanted withdrawals. Somewhere along the line I remember MP asking what method I wanted to use as my backup funding source, now I'm having a bit of trouble figuring out where exactly that choice can be edited. Looking around various places on the MP Payments page there's an option to add a payment source in My eBay/Account which lists bank account, credit card or PayPal, I'm thinking that's probably where the change can be made. For most people the default is probably Paypal when MP is first activated.
How much is the withdrawal fee?
I know it's more difficult to find banks offering low fee or no fee USD chequing accounts but I have to believe they're probably available from some of the online only banks.
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