When we travel our bank limits us to 300 a day max. We cannot get more without a phone call and proper password during the call. Any attempts to take out cash after the 300 on any given day shuts the card down. We do a quick 5 minute check on our account each morning during coffee and have never had an issue. So the most we could lose is 300. For anything else we load up a few prepaid's with a little on each one so we can't lose a bundle that way either. Seems like a lot of fuss but really it's just our travel habit now and we don't find it awkward at all. We are more concerned about getting scammed in the US then in Jamaica because we use very little caution at home.
