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For as many palm trees as there are in South Florida, there are just as many, if not more, ATMs linked to a major national network that will likely include your bank at home. The easiest way to pay for almost everything in Florida is with a credit card. MasterCard and Visa credit and debit cards are accepted almost everywhere. American Express, Diner's Club, and Discover cards also are accepted, although not as widely as MasterCard and Visa.

The best way to get cash while you're traveling in Florida is to use your debit or credit cards at ATMs. Of the big national banks, First Union Bank and Bank of America have offices with ATMs throughout Florida.

Most ATMs are linked to a national network that most likely includes your bank at home. Cirrus (tel. 800/424-7787; www.mastercard.com/atmlocator) and PLUS (tel. 800/843-7587; www.visa.com/atms) are the two most popular networks; check the back of your ATM card to see which network your bank belongs to. Use the toll-free numbers or check online to locate ATMs in your destination. Be sure to check your bank's daily withdrawal limit and your credit limits before leaving home.

Also be sure to have your personal identification number (PIN), which you will need to activate the cash withdrawal functions at all ATMs.

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