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Yes, you can use travelers checks to opens your sea account.  Any extra left over you will get a check the last night that you can cash at the pursers office.   The amount is $200 per person for a 7 day cruise.


Using an atm card--make sure of the daily limit allowed by the bank.    (Since the cruise lines puts the amount in at the end of the week you may go over that limit which will warrant an additional hold if not a denial of charges.  (My card only has a 200 per day limit. Before I cruise I call the bank and lift that limit for the duration of the cruise.


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