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Money in Guatemala

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We are taking our first trip to Guatemala next week and are very excited about this adventure. I am concerned about how to handle money. I have read about the ATM machines in Antigua which makes me leery of all ATM transactions. Would the machines in the airport be safe? How about in banks? Most of our trip has not been prepaid, so we will be needing quite a lot of money for our 10 days. I was thinking of good old Traveler Checks. Are they widely accepted? I also heard that most hotels and restaurants put a surcharge on credit card use. Is that correct? Any help you can give me would be appreciated.

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