[runnerup]

He probably means ACH access which can also be used for withdrawals instead of just deposits. Its not like writing and accepting a check or money order, which is generally only one-way. While there are some limits on this for "direct deposit" (can not withdraw more than was deposited, and there's a 5 day limit, so its functionally equivalent to bouncing a check but without the legal penalties), not all access to set to strictly "direct deposit". I don't know what eBay is doing but its possible to get authorization for both "direct deposits" and "withdrawals". ACH withdrawal is useful for things like Coinbase or PayPal where you want to pay electronically and trust is too low to risk credit card chargebacks.