I brought TC's 2 years ago and couldn't find a place to exchange them. Using a bank ATM, specifically the Scotia downtown, as worked out very well for me. The exchange rate is great. Just go there every couple of days to refill. You can usually take out $300 USD at a time, unless the bank is low on USD. I've stayed a total of 28 days in Negril and the least I could take out at a time was roughly $200 USD.