its a good idea in general but scammers learn to make fake accounts, remove the money and closed the account. Leaving the banks to refund the money or not care at all.
Yes ut you can't keep making the same identity, paypal will know what you did and has records.
Thats the old banks, now a days we have what many called "Direct banks". Ally Bank, Capital One and Discover Bank are of the more bigger ones.
