The notion that travelers cheques are the same as cash, was invented by a marketing company. Cash is the same as cash. Anything else is not cash.

99% of the local people that live here use ATMs without any trouble. Same as the rest of the world.

(By the way, is an "ATM Machine" mean, "Automatic Teller Machine Machine"? Do you put in your personal identification Number Number?

Life and banking on St. Maarten are just fine.