Pull your cash out at ATM's. Carry what you need for the first day or two on the flight down and pull out enough for the next several days when you're in Road Town.

Here is a handy-dandy link to a list of the ATM's around the islands.

We have an account with Bank of America, which we learned through this board, and confirmed via phone call to our bank, has a relationship with Scotia Bank. This enables us to pull cash out at Scotia ATM's fee free.

No need for traveler's checks or carrying huge rolls of cash, just take out enough for a couple days and stop and get more when you need it.