If you search for "ATM" you'll find several threads discussing this.

No matter what they say, there are transaction costs embedded in whatever system you use. If they say "no fee", they're likely just giving you a worse exchange rate.

Here's one post I made on the topic a while back. While the exchange rate has changed, the overall assessment has not.
https://negril.com/forum/showthread....l=1#post174566

Last month, I used the ScotiaBank ATMs at the bank near the roundabout, at Times Square, and at the craft market near Couples. Mostly I withdrew JM. No problems, except one day the Times Square machine was out of money. This seems to happen mostly on Sundays and also is an issue at the bank, so plan accordingly.