State Guide

Currency -- The U.S. monetary system is very simple: The most common bills are the $1 (colloquially, a "buck"), $5, $10, and $20 denominations. There are also $2 bills (seldom encountered), $50 bills, and $100 bills (the last two are usually not welcome as payment for small purchases). All the paper money was recently redesigned, making the famous faces adorning them disproportionately large. The old-style bills are still legal tender.

There are seven denominations of coins: 1¢ (1 cent, or a penny); 5¢ (5 cents, or a nickel); 10¢ (10 cents, or a dime); 25¢ (25 cents, or a quarter); 50¢ (50 cents, or a half dollar); the gold-colored "Sacagawea" coin worth $1; and, prized by collectors, the rare, older silver dollar.

Note: The "foreign-exchange bureaus" so common in Europe are rare even at airports in the United States, and nonexistent outside major cities. It's best not to change foreign money (or traveler's checks denominated in a currency other than U.S. dollars) at a small-town bank, or even a branch in a big city; in fact, leave any currency other than U.S. dollars at home -- it may prove a greater nuisance to you than it's worth.

Traveler's Checks -- Though traveler's checks are widely accepted, make sure that they're denominated in U.S. dollars, as foreign-currency checks are often difficult to exchange. The three traveler's checks that are most widely recognized -- and least likely to be denied -- are Visa, American Express, and Thomas Cook. Be sure to record the numbers of the checks, and keep that information in a separate place in case they get lost or stolen. Most businesses are pretty good about taking traveler's checks, but you're better off cashing them in at a bank (in small amounts, of course) and paying in cash. Remember: You'll need identification, such as a driver's license or passport, to change a traveler's check.

Credit Cards & ATMs -- Credit cards are the most widely used form of payment in the United States: Visa (Barclaycard in Britain) and MasterCard (EuroCard in Europe, Access in Britain, Chargex in Canada) are the most widely accepted in Texas, followed by American Express and Discover. There are, however, a handful of stores and restaurants that do not take credit cards, so be sure to ask in advance. Most businesses display a sticker near their entrance to let you know which cards they accept. (Note: Businesses may require a minimum purchase, usually around $10, to use a credit card.)

For MasterCard/Cirrus ATM locations, visit www.mastercard.com/atmlocator/index.jsp; for Visa, http://visa.via.infonow.net/locator/global/jsp/SearchPage.jsp; and for the NYCE network, www.nyce.net/atm_locator/atm_loc.asp.

It is strongly recommended that you bring at least one major credit card. You must have a credit or charge card to rent a car. Hotels and airlines usually require a credit-card imprint as a deposit against expenses, and in an emergency a credit card can be priceless.

You'll find automated teller machines (ATMs) on just about every block -- at least in almost every town -- across the country. Some ATMs will allow you to draw U.S. currency against your bank and credit cards. Check with your bank before leaving home, and remember that you will need your personal identification number (PIN) to do so. Most accept Visa, MasterCard, and American Express, as well as ATM cards from other U.S. banks. Expect to be charged up to $3 per transaction, however, if you're not using your own bank's ATM.

One way around these fees is to ask for cash back at grocery stores that accept ATM cards and don't charge usage fees. Of course, you'll have to purchase something first.

ATM cards with major credit card backing, known as "debit cards," are now a commonly acceptable form of payment in most stores and restaurants. Debit cards draw money directly from your checking account. Some stores enable you to receive "cash back" on your debit-card purchases as well.

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