I know these posts are a bit old, but I am hoping to get some help! My husband and I are teaching in Wuhan, China. We have bank accounts at China Merchants Bank with UnionPay cards (no Visa or Mastercard logos on them). We need to be able to transfer money to our US Bank account to pay bills that we continue to have in the States. I am sorry to be so dense, but can someone help me, step-by-step, to figure this out? We are paid in a few days and need to get some money transferred asap. Thanks!