I have no debit card yet (it's in the mail), but I need access to my money so I can rent a room. Some options are: - My dad can send me some via Western Union. - I can open a local bank account and try to transfer money directly from my US account to here. - I can open a local bank account and write myself a US check and try to cash it. What's the cheapest way to do this? I don't want to forfeit a huge fee. I'll be transferring HK$20000-25000. I assume western union is the cheapest, otherwise nobody would ever use it? Or is it just that the other options are more complicated?