Yup, if you have a premier or business account, it charges fees for all payments made to you. Some people set up a personal account because of this, for hosting co-ops & such, but it will not allow you to accept debit or credit card payments - only direct transfers from their bank account. With a personal account though, you can only receive & withdraw up to $500 a month before they will require you to upgrade to one of the other types of accounts.