Hello, you can use visa electron card to withdraw cash in China. And you will be charged for bank service. American Express Travelers Cheques can be cashed in Bank of Communications and China Citic Bank.

The US dollar is not widely accepted, while, major international credit cards are gaining more acceptance in China, such as VISA, MasterCard, American Express and Diners Club. They are widely accepted in big cities, banks and hotels. Chinese currency can be drawn from the ATMs of the Bank of China by credit cards, however, a 4% commission is generally charged.

OK, Visa card is accepted in China. But you still need to take some cashes!
Traveler's cheques/checks are accepted in the major banks of China, where you can also buy traveler's cheques/checks. Actually, i do think that traveler's cheques are good for travelers, as it is safe, easy to take and have to no max limit when entering china!
Good luck!

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I am a foreigner living and working in China.
Foreign credit cards and ATM cards can be used in CHinese ATMs, however the Visa Electron card usually has a Cirrus symbol on the reverse. YOu are likely to see Cirrus signs on ATMs but not Electron.
Travellers checks are, in my opinion , a waste of time in any country, it is more difficult to find a place to change them, and it takes much longer than using an ATM.

mastercard and Visa are the most popular credit cards, Diners club nad American Express are accepted in exppensive hotels and shopping malls.
Visa is probably the most widely accepted.
Cash is essential in China, change your foreign currency at the Bank of China, avoid men who stand outseide the banks waiting for foreigners, you may end up with fake notes or a worse exchange rate