I use Merchant's bank and do the transfers online, no need to actually go to the bank. I have transferred to my own account in America (Bank of America) and my dad's account in America, which is a local credit union.
As far as I'm aware the limit is $50,000 dollars per year, not RMB (but I can't remember now if there's a different rule for foreigners, the limit may be lower for us, but for Chinese folk it is definitely $50k). We purchased a house in America last year and I simply got four different people to do the transfers for me. Easier I guess if you have Chinese family members, but if you have a trustworthy Chinese friend that will work too.