David, and everyone in this thread

just to put my oar in.. ... a bit long winded I'm afraid ... sorry Mike

Here's the deal.

There is a problem in Europe right now, with any checks issued from the USA. It has to do with the new international disclosure agreements demanded by the US. In short, most of the Swiss and German banks and others are actually requesting that US citizens, (residing in the US, must close their accounts, and take their money back. (if you are not aware of what I'm referring to, PM me I can tell you more about that)

I also got hit with this.

So, here's the solution..

If you are planning to make IM your full-time profession and you are not doing it for a hobby (not trying to be smart, you will understand when you read the rest of this) Then you need to have a proper business structure, and this is one way you can do it.

Setup a company in Europe (an LTD or Corp) costs about Euro 50. Then Setup a company in Arizona in the US, (Google search incorporate in Arizona, you'll find plenty) make the European company a share holder in the US company. Costs about $300 all in.

Now, it has to be Arizona - here's why. That is the ONLY state in the US, where if you are NOT a US resident i.e green card or other. Then you can apply for a US Tax reference number (not SSN) and as part of the package you will get an introduction to a bank in the US.

Starting to see the solution? ..

Then, the next part is easy
1. Change online activities to Business account - rather than individual
2. Give CLickbank and CJ or whoever your Tax ID and Company Bank details in US.
3. Money goes to US account - and is almost instant, and 3 days to clear.
4. It's your money, you can transfer to the Parent company in Europe :-)

c'est bon

I hope that helps, it worked for me, and no issues since.
PM directly if you need to

JF

PS: Don't forget to retain the Arizona company incorporators for your Tax returns in the US - $120 per year, but well worth it.