Banks and ATM machines are available in the center of town in major cities (Quito, Cuenca, Guayaquil) and will accept your international debit card. ATM fees vary. In Cuenca, Banco Guayaquil is the lowest at $1.50 per withdrawal. ATM machines ask for your 4-digit PIN number, no letters. Before you leave home, notify your bank that you will be traveling to Ecuador or any other destinations.