Are traveler's checks accepted in Panama?
Traveler’s checks are not widely accepted in Panama and can be difficult to cash. For this reason, they are generally not worth the hassle. If you do decide to bring travelers checks, you may be able to cash them at banks. Anything other than American Express checks, however, may pose a problem.

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It's more than just having a good time or visiting beautiful places (although that's absolutely a part of it!), it's about being part of a unique experience that stays with you.