Nicolas diPierro's dashboard

i have what may be a simple question. i'm a first time merchant interested in taking credit card payments, and i would like to use CCT/Authorize.net to do so. where does the money go and how can i access it? i see you must provide Authorize.net with banking information for *billing*. Do i need a small business account at my bank or will any valid account number and routing work? Can i have the money deposited into my PayPal account?