Money

It's always advisable to bring money in a variety of forms on a vacation: a mix of cash, credit cards, and traveler's checks. You should also exchange enough petty cash to cover airport incidentals, tipping, and transportation to your hotel before you leave home, or withdraw money upon arrival at an airport ATM.

ATMs

Nationwide, the easiest and best way to get cash away from home is from an ATM (automated teller machine), sometimes referred to as a "cash machine," or "cashpoint." The Cirrus (tel. 800/424-7787; www.mastercard.com) and PLUS (tel. 800/843-7587; www.visa.com) networks span the country; you can find them even in remote regions. Go to your bank card's website to find ATM locations at your destination. Be sure you know your daily withdrawal limit before you depart.

Note: Many banks impose a fee every time you use a card at another bank's ATM, and that fee is often higher for international transactions (up to $5 or more) than for domestic ones (where they're rarely more than $2). In addition, the bank from which you withdraw cash may charge its own fee. To compare banks' ATM fees within the U.S., use www.bankrate.com. Visitors from outside the U.S. should also find out whether their bank assesses a 1% to 3% fee on charges incurred abroad.

ATMs are located on Main Street in the Magic Kingdom and at the entrances to Epcot, Disney-MGM Studios, and Animal Kingdom (where you'll find another one located across from the TriceraTop Spin in Dinoland). They're also at Pleasure Island, in Downtown Disney Marketplace, at Disney resorts, and in the Crossroads Shopping Center.

There also are ATMs near Guest Services at Universal Studios Florida, Islands of Adventure, and SeaWorld.

Outside the parks, most malls have at least one ATM, and they're in some convenience stores, such as 7-Elevens and Circle Ks, as well as in grocery stores and drugstores. There are frequently extra charges for using nonbank ATMs or bank ATMs not affiliated with your home branch. Depending on your institution, those charges can range from $1 to $3.50 per transaction -- the average is $2.75 across Florida.

Be very careful when using ATMs, especially at night and in areas that are not well lit and heavily traveled. Don't let the land of Mickey lull you into a false sense of security. Goofy and Pluto won't mug you, but some of their estranged neighbors might. Cuddly characters aside, this is a big city and the crime rate here is the same as in comparable locations. When entering your PIN at an ATM, make sure you shield the keyboard from others in line. And if you're using a drive-through, keep your doors locked.

In addition to getting cash out of an ATM, you can also buy Disney dollars (currency with the images of Mickey, Minnie, and so on) in $1, $5, and $10 denominations. They're good at WDW shops, restaurants, and resorts, as well as Disney stores everywhere. This is a great way to give a preset allowance to kids for their souvenirs. If you have any of these dollars leftover, you can exchange them for real currency upon leaving WDW, or keep them as a souvenir. Note: Pay close attention if you have a refund coming. Some items, such as strollers, wheelchairs, and lockers, require a deposit, and Disney staffers will frequently use Mickey money for refunds instead of the cash. If you don't want it, just let them know and they'll be happy to give you real cash.

Credit Cards & 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.

Disney parks, resorts, shops, and restaurants (but not most fast-food outlets) accept five major credit cards: American Express, Diners Club, Discover, MasterCard, and Visa. Additionally, the WDW and Universal resorts will let you charge purchases made in their respective park shops and restaurants to your hotel room, but you must settle up when you check out. Be sure, however, to keep track of your spending as you go along so you won't be surprised when you get the total bill.

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.

Traveler's Checks

Though credit cards and debit cards are more often used, traveler's checks are accepted in most major Orlando establishments (though I still recommend using a credit card or cash instead). Foreign visitors should make sure that traveler's checks are denominated in U.S. dollars; foreign-currency checks may be refused or difficult to exchange.

You can buy traveler's checks at most banks. Most are offered in denominations of $20, $50, $100, $500, and sometimes $1,000. Generally, you'll pay a service charge ranging from 1% to 4%.

The most popular traveler's checks are offered by American Express (tel. 800/807-6233; tel. 800/221-7282 for card holders -- this number accepts collect calls, offers service in several foreign languages, and exempts Amex gold and platinum cardholders from the 1% fee.); Visa (tel. 800/732-1322) -- AAA members can obtain Visa checks for a $9.95 fee (for checks up to $1,500) at most AAA offices or by calling tel. 866/339-3378; and MasterCard (tel. 800/223-9920).

Be sure to keep a copy of the traveler's checks 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.

Another option is the new prepaid traveler's check cards, reloadable cards that work much like debit cards but aren't linked to your checking account. The American Express Travelers Cheque Card, for example, requires a minimum deposit ($300), sets a maximum balance ($2,750), and has a one-time issuance fee of $15. You can withdraw money from an ATM ($2.50 per transaction, not including bank fees), and the funds can be purchased in dollars, euros, or pounds. If you lose the card, your available funds will be refunded within 24 hours.