[tor-talk] New to TOR

[SimBlip at aol.com]

I received an account-ban from a web-site. I stood accused of violating  
challenge rules and was cut off from a community I had grown to love  dearly. 
I can no longer post messages and/or send private messages.
I would like to re-enter this web-site under a new identity, but I am  
afraid it checks IP addresses.
I was wondering if a program such as TOR could help me out.
 
Would TOR affect my existing accounts with other web-sites? I do most  of 
my shopping and banking over the Internet.
 
I have not downloaded TOR yet. How will I know it works if I do?
 
Thank you.