Velvets you are Canadian so very easy to do, just go online to Tangerine Bank and open an account there. The online accounts are free with no fees. You will need to link it to your regular bank account so you can transfer money to your new Tangerine account. When in Negril you can use the Scotia Bank which owns the Tangerine bank and withdraw your money from your Tangerine account for free, just put enough money in it for you to withdraw during your time there. Since there is a limit of money in your Tangerine account you really can't lose a lot of funds.

I have it set up that every month a few hundred dollars go to my tangerine account and becomes my spending money in Negril. Only a few transaction and very easy to monitor for fraud.