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$10k transactions at a bank, whether all at once or aggregate over a day, trigger the filing of a CTR (Currency Transaction Report) at U.S. Banks. This is $10k across all accounts you hold at a bank. DO NOT STRUCTURE YOUR DEPOSITS TO TRY AND AVOID THIS $10K LIMIT. It will land you in a bigger world of trouble as it will look like you are money laundering and deliberately attempting to avoid the filing of a CTR. There are also SARs (Suspicious Activity Reports) - if you look like you are structuring deposits (for instance, depositing just under the CTR threshold, especially over multiple days) - a SAR will get filed, because of AML (Anti-Money Laundering) issues.