Up until recently we wanted a lot of pesos when we crossed the border so we could buy fuel soon after crossing. We would not buy fuel in the states so we would be low going into Mexico and then fill up with the lower cost fuel. Now the US is lower so we think filling in the US makes sense. That should get you to at least Guaymas where there are plenty of banks with ATMs. There may be a couple of tolls but if you have even a few hundred pesos that should be plenty - unless you spend the night somewhere before Guaymas. We stay south of Tucson the night before crossing at Nogales and then cross as the Sun comes up in the morning. That usually gets us easily to San Carlos the first day over. All of this is theoretical of course.