ATMs worked well for us, but we never had them run out of money, no electricity, bank shutoff card, etc. This time I plan on bringing a fair amount more of USD (probably a day or two worth for some of you) and changing it all in Negril to JMD. I looked back at what we were charged to use the ATM, it was $3 for the local bank and $2.50 for my own bank plus 3%. That's $11.50 to pull out $200.