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Frommer's lists exact prices in the local currency. However, rates fluctuate, so before departing consult a currency exchange website such as www.oanda.com/convert/classic to check up-to-the-minute rates.

New York City is consistently ranked among the top 15 most expensive cities in the world, and the most expensive in the U.S. Hotel costs in the city far outstrip those of pretty much anywhere else in the country. Thankfully, costs elsewhere in the state are closer to the national average, and even in New York City, there are deals to be found.

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."

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.

The State of New York Banking Department has compiled a comparison of bank fees by region at www.banking.state.ny.us/bf.htm. You can also use this chart to see if your own bank operates in the area you plan to visit.

Traveler's Checks

Though credit cards and debit cards are more often used throughout New York State, traveler's checks are still widely accepted. (However, where they are rarely seen, especially outside many larger cities, it may feel impractical to use them if it requires explaining to merchants how traveler's checks should be treated.) Foreign visitors should make sure that traveler's checks are denominated in U.S. dollars; foreign-currency checks are often difficult to exchange.

Note: This information was accurate when it was published, but can change without notice. Please be sure to confirm all rates and details directly with the companies in question before planning your trip.