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The main unit of currency is the Kuna. A Kuna is sub-divided into 100 lipa. A typical price is recorded with the number of kuna, a comma, and then the number of lipa: 3,50 means 3 kuna and 50 lipa. Money can be exchanged in banks, post offices, and private exchanges. The rates are usually fairly close in all three types of establishments. There is usually no fee for exchanging, although hotels or tourist places might charge something. A passport is necessary. Typical bank hours are 7:00 am to 7:00 pm; post office hours are 8:00 a.m. to 6:00 p.m. The few ATMs in the country take only Croatian bank cards. Services for wiring money between banks in the United States are limited to a few of the larger banks. It is easiest for a tourist to use traveler's checks exchanged for local currency. Credit cards are accepted at many hotels, car rental agencies, and other major tourist attractions. However, none but the fanciest restaurants accept credit cards.