Until 2 years ago, we used TC's, and that always worked well. However, because of difficulties in obtaining them and with establishments on the island that no longer accept them, we use mostly cash, keeping it in the room safe. Exceptions are car rental, hotel and jewelry purchases, for which we use CC's. We stay on the French side and have never used an ATM. Most ATM's on the French side only dispense Euros, but I've read that there is one in Hope Estate that also dispenses US dollars. I'm not sure what the fee is, if any.