This will be my first cruise on HA, and in reading over their brochure, I see that they do NOT cash personal checks at all. Perhaps RCI doesn't any longer either, but I am used to cashing a check for tips (those things not required on HA!) at the end of the cruise. I normally don't need much cash otherwise.
It looks like Travelers Checks are the way to go other than carrying the cash itself. No mention of ATM, and cash advances carry fees. Getting cash for the casino sounds like a cash advance, too, and they say there are 'restrictions'.