I had my wallet containing my Scotia Bank card stolen when I was there on a three-month stay a couple of years ago. My landlady accompanied me to the bank and they explained there was nothing they could do to replace it. I had to phone my bank at home and notify them of the loss of the card. They could have mailed me a new one, but it would have taken several weeks and I didn't feel comfortable having a bank card sent to JA via mail. I had a friend coming down to visit, so arranged for her to bring me cash to last me for the rest of my stay and paid her back when I returned home. So hold on tight to your ATM card! Or find a really good hiding place for it in your room! As for fees, I never was charged a fee to use my card at the ATM in Jamaica.