[Hatredcopter]

I'm surprised to hear a long-term student like yourself wasn't required to get a Japanese bank account. When I studied abroad a couple years ago, all of us, as well as friends I knew who were studying at other Japanese universities had to open bank accounts. Either way, if you're in the Tokyo area, there'll no doubt be a bank somewhere staffed with English speakers. Otherwise I'd follow Nyororin's advice and have your host mother help.