That's just the structuring detection: the limit is $10000 but most financial institutions have some form of check for structuring or smurfing (see https://en.w

That's just the structuring detection: the limit is $10000 but most financial institutions have some form of check for structuring or smurfing (see https://en.wikipedia.org/wiki/Structuring https://en.wikipedia.org/wiki/Structuring). One payment under the limit probably won't trigger it, but multiple will. Every couple of years there is a story about some small business owner who draws the ire of some government agency because they make multiple deposits under 10k.