We stay at Kuyaba so the Times Sq. ATM is most convenient...when it works. We typically try it before heading to the ATM at the roundabout. Maybe it's just our luck but the ATM at Times Sq. seems to always be out of $$ or out of order when we swing by. We prefer using J anyway so the roundabout ATM is fine...just less convenient, longer lines, etc. Also, Bank of America and Scotia Bank have some type of partnership. We always use our BofA check/debit card at the Scotia ATMs and are never charged the access/service fee. Works great!