Under federal anti-money laundering laws and Bank Secrecy Act regulations in the United States, any cash transaction exceeding $10,000 deposited into a financial institution triggers a mandatory Currency Transaction Report (CTR) filed by the bank. Furthermore, financial institutions are legally mandated to monitor customer accounts for suspicious activity, meaning multiple smaller cash deposits made in close succession designed to bypass the $10,000 threshold—a practice known as "structuring"—will automatically get flagged by automated bank compliance algorithms, resulting in Suspicious Activity Reports (SARs) filed with federal authorities regardless of the exact deposit amounts involved.