Overview: ATMs are located inside banks and major terminals, such as Penn Station, Port Authority Bus Terminal and Grand Central Terminal. They are not in subway stations. Always be alert when retreiving money from a cash machine in the city, and try to use only those in well-lit, populated areas.

Banking hours are Monday-Friday 9 am-3 pm, but some banks open at 8 or 8:30 am and close at 5:30 or 6 pm at least one day a week. Some banks are open Saturday mornings. Passport/Visa U.S.: Canadians need to show proof of citizenship accompanied by a photo ID (we recommend a passport). Reconfirm travel document requirements with your carrier before departure. Population: 8,008,278 Religion: Christian (Roman Catholic, Protestant), Jewish, Islamic Telephone Codes: 212 and 646, Manhattan; 718, the Bronx, Brooklyn, Queens and Staten Island Time Zone: 5 hours behind Greenwich Mean Time (-5 GMT). Daylight Saving Time is observed from the first Sunday in April to the last Sunday in October Voltage Requirements: 110 volts What to Wear: As with all things New York, appropriate dress covers the full gamut. Bear in mind that at most public venues -- Broadway theaters, concerts, etc. -- one encounters every kind of fashion, from T-shirts to tuxedos. Let the weather and your own comfort be your guide. This will dictate bringing your most sturdy and comfortable pair of shoes. More than any other major U.S. city, New York is a town in which walking is often the most efficient mode of transportation. Summertime can be extremely hot and humid, dictating light, breathable clothing. For sightseeing, shorts are certainly okay (although you'll stand out as a tourist), and for summer evenings, casual or semiformal summerwear is acceptable. In spring or fall, bring an extra sweater and an umbrella. Winters can be as cold as summers are hot, and the winds are often strong and chilly.