I couldn't find a place for this, hope it's allowed and the right place.

I thought to be Paypal member you needed a Credit Card, but some people told me it was just a Bank Account.
I live at Brazil and registered for a Personal Account @ Paypal.
You only need a CC to be a 'Premium Member' right?

But when I went check how to withdraw, it said Check (Fee of $11 USD) or Bank Deposit, but Bank Deposits are only allowed for US Banks?

So if you live outside USA the only way to receive is by check?