No, you buy one online, it's called a vcc or something. It verifies your Paypal for you, and it's not a real bank account.
It's the only way besides actually having a bank account.
I have a legit one that I got from when I had to buy it for school, but I use a cracked one at home.
I know a way to alter the files to make it free, without having to use a serial (cheap), or I could sell you my legit key (which I can provide proof of).