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FIrst time cruiser - appreciate some help with questions! :)

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Hi I'm a first time cruiser here and it's one week to my embarkation day and I really look forward to the experience with my family!

If I choose to change to a cash account onboard, will they still charge the $99 on-hold fee to my bank account which I have provided in the app? 

And when do I have to pay all the charges I incur, is it only on the last day of the cruise at the guest service area?

Thank you!

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Agree that credit card is the way to go if you have one with a good available credit limit (points, consumer protections, etc...).  If you only have a debit card as the OP is alluding to, there can be significant holds placed on it that will not clear for a while.  You need to get with guest services as soon as possible once onboard to avoid these charges.  They process charges nightly in a batch process and you will want to get with them before the first one goes through.

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