Yes, Atlantic Bank has an ATM, the machine often runs out of money over rthe week end, keep that in mind. Alot of restaurants take credit cards, but not so much the budget ones, and some have great food. Also lots of establishments here pass on the credit card service fee to the card holder, this practice is not allowed by the bank and can result in loosing card privlages but business owners do it anyway. Then you will have the exchange fee posted on your card statment as well. Master card and Visa are used, American Express is accepted only in a very few places. Make sure to tell your bank you are traveling to Belize.