<prompt> Human: Long story short I would like to deposit this money into my bank account. I am familiar with both the gift tax of 13.5k and the 10000 rule but am confused as to when that applies. Thanks for the help!  <response>: write you a check and put it into your bank account.Trying to do anything to avoid the 10000 rule like structuring your deposits to remain under 10000 is illegal. 