Also, the way most people will chargeback is by Credit Card nowadays, because of the gift method and other things. So, you must find out if the money they have sent you is CC funded. First off just ask them if it is CC funded and if they say yes...don't do the trade if you don't trust them. Also, you can have them take screenshots of their balance or that it is bank funded. And a last way to check is once you receive the payment, go to Issue A Refund, and click Continue. On this page it should show you the source of the funds. I'm not sure if there is a way to chargeback if it's not CC funded though. Just take these precautions and you should be fine.