Thank you all for the responses, suggestions and map (the map is great). When I started investigating Scotia Bank last night I realized it was not an easy process and have abandoned the idea for that unless we become frequent travelers to Jamaica which I "think" we will. Right now I only get one vacation a year and Isla Mujeres is where we have spent our vacation for years. I wanted to try something new this year and the Negril area seems to be perfect for an alternate vacation. I am not a anal person but when it comes to planning a trip I guess I am a little anal.
I have found over the years that "prior planning prevents poor performance" which equal's no stress during the vacation itself and importantly no time wasted trying to figure out something "on vacation" that could have been figured in advance.
Sounds like the ATM and using the J will be the way to go. I was only stressing about the ATM after reading the trip report Paradox in Paradise and the problems Guirigay had with and ATM not accepting his card and having to spend hours in a bank. I definitely want to avoid that type of problem! I have always simply let my bank know where I am traveling out of country and the dates and have never had a problem with my bank card being accepted. Just didn't know if Jamaica banking/ATM's presented some problem I had not every run into before.
When we both are retired (which is not that far away) we will have more vacation time and splitting between Jamaica and Isla Mujeres look appealing but I will know more after this "first" vacation to Negril.
Thanks again,
Larry