We're travelling to Palma Real at the end of February and I've read that travellors cheques are hard to cash. We want to go on several tours, diving, conopy, rafting and I was wondering if most places take visa. If so is there an extra charge? Last year in Jamaica we go hit with extras charges for a car rental. Also, do the banks in La Ceiba have ATM's if we need more cash or do we have to stand in line for hours? Thanks for any info.