About Money & Currency in Arizona

Money

Dollars and Coins

The basic unit of currency in the United States is the dollar, and the $1 bill is the most common, along with the $5, the $10 and the $20. Any bill larger than “a twenty” will be more difficult to use when paying for small purchases. A dollar is also called a “buck”, as in “that costs 4 bucks”. $2 bills are rare, so you probably won’t even see one. There are also coins, ranging from one cent to 50cents, which is half a dollar. The one-cent coin is called a penny and is worth so little, that it’s often tossed on the ground my native citizens, who deem it more nuicance than anything. The next step up the coin ladder is the nickel, worth 5 cents, and will hardly buy you anything either. Quarters (25 cents) are good to have, since many vending machines, laundrymats, video arcades, parking meters etc take quarters.

Traveller’s Checks

You’ll want to either bring dollars with you, or traveller’s checks in dollars, which you can cash in larger amounts at a bank, so you have actual cash. “foreign-exchange” bureaus are very difficult to find in the United States, and once you get outside major cities, you won’t be able to change money at all. Either use traveller’s checks (which are also more and more difficult to use these days) and cash them at a bank, or rely on ATMs with your credit card.

Credit Cards

Credit cards are widely accepted in the US, and are in fact the most commonly used method of payment for citizens of this US. You’ll want to have either Visa or Mastercard, or maybe American Express and sometimes Discover cards. Always ask at smaller establishments, as some small restaurants or private stores don’t take credit cards. Look for the credit card symbol stickers on the door when you’re shopping or eating, and you’ll be able to tell this way whether or not they take credit cards.

ATMs

ATM’s are everywhere in the US, even small towns. In cities, they can be found virtually on every block in some neighborhoods. Malls have them, even small corner stores have them, grocrey stores have them, and many bars and nightclubs have them too. Just don’t forget your PIN before you travel. Most ATMs will accept your credit card OR your bank’s ATM card, but of course expect to pay some fees, both from your bank and from the US bank as well. Fees run around $3. One thing you can do to reduce your fees and even get around them is by getting “cash back” at a grocery store. You have to buy something, of course, but when you go through checkout, as the cashier for cash back on your credit card purchase, and the amount will just be tacked on to your total bill.

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