You may have a “free” account and paypal being free confused?
There are no monthly fees, either account is free to setup and keep, no monthly, no annual “fees”.
The only difference between the two is when you receive money, a free account will not take out any fees if its paypal cash balance to you.
If you have a business account, they take fees out.
However, again, both setups are free to have and only seperated when money is received…
http://www.paypal.com/cgi-bin/webscr?cmd=_display-fees-outside