You can sell on eBay and accept Money orders so you don't have to worry about cashing checks or the buyer sending cash(at their own risk of course, which you can write in the auction). Me, personally, I accept both funded and cc payments. But my case is totally different than yours, i have a bank account and have everything set up. What I do recommend is when it comes time for you to sell(and i know what you're selling and you better lmk when you put stuff up lol) definetly put that you will ship to US only! I occassionally will ship to Canada if the buyer pays any extra fees. I won't ship to anywhere else but US and Canada. Also, let them know payment is due by xx amount of days( I put 7 business days on my auctions usually). I add in their little invoice i send to please contact me within 3 days of the auction end so i know how they will be paying. Oh yeah another important thing..... If I were you I would put in that you only accept US Money Orders. When i first started on eBay years ago I bought this Hello Kitty cd holder from a lady in Canada and she said International MO's only and I didnt know the difference and sent her a Dairy Mart MO and she gave me a little hassle but it was my fault and she let it slide since it was only for $2. Now this was my very first eBay purchase ever too.
I have been selling on eBay for a long time now and i don't remember if you need to enter in a bank account in order to sell or not. Maybe someone else can add that in. It's been like 3-4 years now so I dont know. Sorry!

I know you need one if you don't have a main ISP like AOL, Cox, etc(not something like hotmail or yahoo). I think I remember you saying you have a main one but just had to have Kevin make up a name for you on there. That'll work for you. You just can't use your hotmail one without putting up a cc or bank account. I hope this helps some. I probably make no sense cuz i'm tired but if you have any more questions IM me and maybe I can help!
Forgot to add ..... with PayPal I think you need a bank account.