Depositing $10,000 into a bank account depends completely on whether the funds are handed over in physical cash or processed via electronic transfer, personal check, or wire. If you deposit physical paper currency totaling $10,000 or more, the bank must fulfill federal anti-money laundering regulations by submitting a Currency Transaction Report to financial intelligence authorities, requiring you to present your photo identification. If the $10,000 deposit is completed via a cashier's check, direct payroll deposit, or wire transfer, no cash reporting form is triggered, though the bank may place a temporary administrative hold on the balance to ensure the funds clear successfully from the originating source.