All these hardcore questions often lead me to believe the best resolution for the overwhelming majority of folks is to outsource this to professionals who know how to securely create and deploy working facebook ad accounts. This avoids all the huge challenges you are facing. Sure it's not the most cost effective solution, but it is a solution whereas stabbing your way in the dark with an endless barrage of questions about how to best create the account, how to maintain it, how to fund it, etc...
Why not simply get ahold of a legitimate provider who knows what the heck is going on when it comes to creating these accounts? Certainly it is a much faster and direct approach. If you're thinking to spend your own real money on facebook advertising, then you know how to play the game. Get playing.