Check with your bank... I have an Ally Bank Online account and they only charge a 1% international transaction fee plus the atm charge and I was getting $132J for $1US when using my bank ATM card at a Scotia bank ATM in Sept when the international rate was $136J to $1US ( It only cost me $378US for $50,000J ). I just had to notify the bank ahead of time that I'd be taking my ATM card down to Jamaica to use.
We are heading to Treasure Bach where banks and ATMs are scarce and the ones there are limited.