Money

ATMs

Hawaii pioneered the use of ATMs more than 3 decades ago, and now they're everywhere. You'll find them at most banks, in supermarkets, at Long's Drugs, and in most resorts and shopping centers. Cirrus (tel. 800/424-7787; www.mastercard.com) and PLUS (tel. 800/843-7587; www.visa.com) are the two most popular networks; check the back of your ATM card to see which network your bank belongs to (most banks belong to both these days).

Credit & Debit Cards

Credit cards are the most widely used form of payment in the United States: Visa (Barclaycard in Britain), MasterCard (EuroCard in Europe, Access in Britain, Chargex in Canada), American Express, Diners Club, and Discover. They also provide a convenient record of all your expenses, and offer relatively good exchange rates. You can withdraw cash advances from your credit cards at banks or ATMs, but high fees make credit-card cash advances a pricey way to get cash.

It's highly recommended that you travel with at least one major credit card. You must have a credit card to rent a car, and hotels and airlines usually require a credit card imprint as a deposit against expenses.

Credit cards are accepted all over the island. They're a safe way to carry money and they provide a convenient record of all your expenses. You can also withdraw cash advances from your credit cards at banks or ATMs, provided you know your PIN (personal identification number). If you've forgotten yours, or didn't even know you had one, call the phone number on the back of your credit card and ask the bank to send it to you. It usually takes 5 to 7 business days, though some banks will provide the number over the phone if you tell them your mother's maiden name or some other personal information. Still, be sure to keep some cash on hand for that rare occasion when a restaurant or small shop doesn't take plastic.

ATM cards with major credit card backing, known as "debit cards," are now a commonly acceptable form of payment in most stores and restaurants. Debit cards draw money directly from your checking account. Some stores enable you to receive cash back on your debit-card purchases as well. The same is true at most U.S. post offices.

Dear Visa: I'm Off to Kapaa, Koloa & Kilauea! -- Some credit card companies recommend that you notify them of any impending trip so that they don't become suspicious when the card is used numerous times in an exotic destination and your charges are blocked. Even if you don't call your credit card company in advance, you can always call the card's toll-free emergency number if a charge is refused -- a good reason to carry the phone number with you. But perhaps the most important advice is to carry more than one card on your trip; if one card doesn't work for any number of reasons, you'll have a backup card just in case.

Traveler's Checks

Traveler's checks are something of an anachronism from the days before the ATM made cash accessible at any time. Traveler's checks used to be the only sound alternative to traveling with dangerously large amounts of cash. They were as reliable as currency but, unlike cash, they could be replaced if lost or stolen.

These days, traveler's checks are less necessary because most cities have 24-hour ATMs that allow you to withdraw small amounts of cash as needed. However, keep in mind that you will likely be charged an ATM withdrawal fee if the bank is not your own, so if you're withdrawing money every day, you might be better off with traveler's checks -- provided that you don't mind showing identification every time you want to cash one.

You can get traveler's checks at almost any bank. American Express offers denominations of $20, $50, $100, $500, and (for cardholders only) $1,000. You'll pay a service charge ranging from 1% to 4%. You can also get American Express traveler's checks over the phone by calling tel. 800/221-7282; Amex gold and platinum cardholders who use this number are exempt from the 1% fee.

Visa offers traveler's checks at Citibank locations nationwide, as well as at several other banks. The service charge ranges between 1.5% and 2%; checks come in denominations of $20, $50, $100, $500, and $1,000. Call tel. 800/732-1322 for information. AAA members can obtain checks without a fee at most AAA offices. MasterCard also offers traveler's checks. Call tel. 800/223-9920 for a location near you.

If you choose to carry traveler's checks, be sure to keep a record of their serial numbers separate from your checks in the event that they are stolen or lost. You'll get a refund faster if you know the numbers.