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Amazon also feels that associates who are not located in the U.S. will be happy to accept gift certificates as it allows them to bypass steep banking fees. Many posts reflect a deep feeling of disappointment with most Amazon policies. EST Amazon is being creative here, and given their financial circumstances, they should be very creative. Instead of this move, about 3 years ago they should have set up monthly payments, and 2 years ago they should have offered direct deposit. When they first began their associate program, they were the pioneers, and on the leading edge.