I just signed up, but I don't see an option to where the payment gets deposited into an account if I am the seller.
You need to look through the escrows thread for an escrow agent. Then once you find a buyer and you agree upon the agent, the buyer sends the funds to the escrow agent, the agent then confirms receipt of the funds, and you ship the item out. Once the buyer receives the item, the escrow sends you the funds.