As long as your ship has an ATM machine, and most do, you really don't need to bother. Take as much cash as you think you'll need, put it in one of those under-the-shirt pouches for your travel to the ship, then throw it in the room safe once on board. If you run out, use the ATM.
I personally haven't used a traveler's check in 10 years. With the advent of ATM's and their proliferation, obtaining money from your bank accounts is quite easy.
The negative side is that the fees attached to using the ship's ATMs plus the fee your bank may charge for using any ATM outside of their network could add up to $10 per transaction.
My wife and I do as AR suggested. However we split our cash between us. If one of us loses our cash or it's stolen, all is not lost. We each carry our own ATM card, and credit card (with different account number).
If we are traveling to Europe or country outside North America we take very little cash and use an ATM when we get to our destination and obtain local currency.
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We take a variety. I know many, like Mike do not use travelers chicues anymore, but we still do, along with the ATM and cash plus CCards. By the way PapaBear, thanks for that information. What a rip off, but I guess we will adjust. NMnita
Not sure why anyone would use the ATM on the ship, or anywhere else for that matter ,when you can get a cash advance from the casino cashier without paying fees. The fee for withdrawing money from the ship ATM is something like $6.00 and the ATMs in other countries are also very expensive and that doesnt even include the surcharge you bank might charge that is sometimes 2.50 for cash advances in foreign countries. The cash advance from the casino is posted as a charge on your credit card, it does not show as a cash advance. You can get something like up to 1000.00 a day and you get it in cash not chips. You arent obligated to use it in the casino but im sure they wouldnt mind if you threw 10 or 20 dollars into one of the slot machines.