Withdrawing $10,000 in physical cash from your bank account initiates mandatory federal regulatory tracking and compliance protocols. Under the Bank Secrecy Act, financial institutions are required to file a Currency Transaction Report with federal financial intelligence authorities whenever a physical cash transaction meets or exceeds the $10,000 threshold. The bank teller will request your government-issued photo identification and record your personal details. This reporting procedure is a standard administrative requirement and does not mean you are doing anything illegal, provided the funds belong to you. However, attempting to intentionally evade this reporting requirement by withdrawing smaller sums under $10,000 across multiple visits—known as structuring—is a federal felony that can result in criminal investigation, severe legal penalties, and potential asset forfeiture.