Indeed - I believe you need to have an account + package (game starter package) to join an "org".
Got your Application for KGB as well hosted, pretty sure you need to be a Knight here for an invite as well.
For now - if you want create an account at RSI and you can checkout a "free fly" (if ya like when one comes along) or pick up a basic package. Be happy to help/answer any questions that you might have.
Here is my referral link if ya want (will give ya some extra creds @ launch if ya use it):
Become a Star Citizen @RobertsSpaceInd and get 5,000 free Credits https://robertsspaceindustries.com/enlist?referral=STAR-DHXY-QZMC