Aruba Travel with an ATM Card
Before traveling with an ATM card, please check with your bank's policies regarding lost and stolen cards. Rules and policies are not necessarily the same as they are with credit cards where you are normally liable for only the first $50 in charges.
http://www.pirg.org/consumer/banks/debit/debitcards1.htm
http://www.ftc.gov/bcp/conline/pubs/credit/atmcard.shtm
From Kiplinger
"Debit cards. The rules are similar for debit cards, but there are a few restrictions. For example, your liability under federal law is limited to $50, but only if you notify the issuer within two business days of discovering the card's loss or theft. [this would probably be easy if you travel and access the internet daily to check your account balances.] Your liability could jump to $500 if you put it off. And even this cap is lifted if you wait more than 60 calendar days from the time your bank statement is mailed."
Credit cards, including American Express, are widely accepted all over the island.
