Within North America and Europe, finding an ATM is easy. I would never dream of checking in advance where the ATM is in a town. I know I will find one when I need it. Sometimes I ask my bank for the names of banks in my target towns whose ATMs will charge me lower fees, but that's all the research I need to do. In contrast, on Easter Island there are two ATMs in the whole country and it's a good idea to know in advance where they are.
On this spectrum, where does China fall? Does someone visiting a reasonably sized town (we have Suzhou in mind, but I'm not sure that is relevant) need to work out in advance where the ATMs are, or can we just wander up with the same kind of "of course I can get cash when I need it" attitude as we have in North America and Europe? Our cards are Interac but I believe they work fine on Cirrus. Debit card (accessing the Canadian bank account) would be preferred but Visa would be an ok fallback occasionally.