They will not accept Canadian cheques, that I know...I would imagine you need one of those "cheque cards" as you call them...they always seem to need something with a credit card insinia on it. Rather primitive system, I have to say...sooo, if you need cash to pay down bill, or buy souvenirs, Key West(Bank, and machine not far fron port), and ESPECIALLY Grand Cayman have a multitude of banks....even Canadian ones!!!