The Costa Rican Colón (CRC) is divided into 100 céntimos and is the official currency, although US Dollars are also widely accepted. US Dollars can be exchanged in banks and many hotels, but currency other than US Dollars is difficult to exchange. Using black market exchange options is risky as these unofficial outlets have been known to pass on counterfeit bills printed in Colombia. Banks close anywhere from 3pm to 4pm. Major credit cards are widely accepted, although American Express and Diners Club might be more limited. ATMs are available in major towns throughout the country, but it is advisable to always have some local cash handy.