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Banking Antalya, Money Transfers

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I've been living in Turkey for 3 years and for special occasions  my family  makes small deposits into my US bank account and I withdrawl the money in lira at an ATM with a very small fee.   My US bank account has recently been closed.   I'm wondering what is the cheapest way for my family to send money besides Western Union because it's non emergency and those fees are too high. 

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I will be transferring US Dollars to a Turkish bank and keep them in US Currency , My real question up to what amount the money is secured by the Government. And can I, for instance, if the amount is 50K or overi can open in several banks so my money is secured by the Government?

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