Being a banker, I say get the travelers checks, they are wonderful. And while some banks charge most banks do not as long as you have a deposit account. All of the checks will have the same #'s except for the last 4 digits and you will have a log sheet w/ the 800 # on it in case you loose or the checks or stolen. Keep the log sheet seperate that way if your checks go missing you will have the phone # for American Express.