According to my teller...any amount $5k or more is flagged....and $10k is reported.....either direction.

That is one reason, for them holding a check from a client of mine for over $10k....even if the client has an account at the same bank.

I'd start now doing cashier checks for $2k and $3k now...and cashing them at different banks....If I wanted to draw down an account.

Or just say "screw them" and do it.....and buy a bit of silver or whatever