I take 1 CC $100cash and the rest in TC. I use Amex. There is no extra charge at our bank. You will have to check out what is best for you. There used to be a Amex office at Epcot, but I don't think it is still there. that was back when Amex was the official charge card of WDW. Anyway, on the first day of my vaccation, I lost my travelers cheques. Called Amex, went to Epcot the next day and picked up new ones. Make sure you keep your papers for your TC separate from your TC. Also, keep CC and cash or any other papers separate. I personally like travelers cheques and always make sure I have them. On a side note, I did have a problem with them once. We were having dinner at the Top of the World at the Contemporary. Lovely. Chilled Strawberry soup, Duck L'orange, beautiful music, entertainment, I'm sure you can visualize the scene. Any way, I paid the waiter with my TC and the manager came back and told me she could not accept it because it was in a foreign currencey and since the banks were closed she didn't know what the rate of exchange was. I said I purchased them in Canada but they were in US$. She said no, thay were in Canadian $. I looked, and sure enough, the bank had made a mistake and even though I had paid for $US I was given $Can. TC. Was I embarased! Fortunately, I was staying at the Poly, so I just billed Dinner to my room and phoned the bank in the AM. It was stressfull in the meantime, so as a word of warning, as you are signing your cheques at the bank, make sure they are in the proper countries currency. Banks can make mistakes.
Travellers cheques are very safe. If lost or stolen they are replaced by issuer. Just keep receipt portion seperate from cheques. American Express are best but others are fine also. Most business will cash without problem although some may ask for ID. They come in many denominations $20, $50, $100. I usually get $20 and $50 and only a few $100 as some places do not like to cash the larger denomoninations.
