In the eyes of your bank, the _least_ suspicious thing you can do is show up to your local branch and present your physical card and photo ID. Your bank will be

In the eyes of your bank, the _least_ suspicious thing you can do is show up to your local branch and present your physical card and photo ID. Your bank will be much more cautious for large transactions done through an app, where the only authentication is a password and possibly an SMS message. Your bank will probably ask a few questions if you show up in-person to deposit $50k cash into a personal account, but it's not like you could avoid that by using their app.