You could possibly Imagine you might be actively playing it Protected or being intelligent, but That which you're truly executing is something identified as "structuring" which, if performed with intent to obtain throughout the reporting need, is illegitimate.
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The IRS involves banks to do this to prevent illegal activity, like dollars laundering, and also to curtail cash from supporting things such as terrorism and drug trafficking.
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In order to steer clear of owning your major income deposit reported to The federal government, Do not Assume that you can get round the need by breaking up your hard earned money into smaller sized deposits. This is named structuring, and the government is looking out for it, as well.