ATMs are everywhere in Chiang Rai and Pai, and most towns and larger villages have at least one machine. Every bank has at least one ATM, but if there are no convenient banks, head for a branch of the ubiquitous convenience-store chain 7-Eleven, where an ATM is invariably to be found next to the entrance. Banks are open on weekdays from 9:30 to 3:30, closing on weekends and public holidays. All banks have an exchange counter; money can also be exchanged at some outlets in central Chiang Rai. Most businesses and restaurants accept credit cards (usually preferring MasterCard or Visa). Simpler Thai restaurants accept only cash.