>While they are active, however, these accounts may have informal restrictions placed on them — some self-imposed — so they do not draw the scrutiny of bankers

>While they are active, however, these accounts may have informal restrictions placed on them — some self-imposed — so they do not draw the scrutiny of bankers who may file suspicious-activity reports or would be required to report deposits over $10,000 in cash. The account holders may make only small deposits, and only at night and at certain branches. Mr. Kunkel of Seattle has such an account. That's not a good thing to admit to a newspaper. Even if the federal rules allow legal marijuana sales, he could still be in trouble for structuring: http://en.wikipedia.org/wiki/Structuring http://en.wikipedia.org/wiki/Structuring