<prompt> Human: My late grandfather refused to put most of his money in the bank, and after he passed away, my family and I were left with a large sum of old cash. Unfortunately, we dont have the paperwork to prove the money was acquired legally, but I assure you it was. We want to make use of the money, and let it accrue interest, but are struggling to find a way to safely deposit it with a bank. Any thoughts?Assistant: How much actual cash are we talking?? You mentioned old cash.. How old are the bills you are referring to, most tellers will remember if a customer is bringing in a substantial amount of older billsCTRs come into play at 10,000.01 per day..Personally I would look for a bank that has an ATM where you can deposit cash and have it instantly credited..Human: Were talking on the upper end of the hundreds of thousands. And the bills could be as old as the 70s. I know about the CTRs for transactions over 10k, but for this amount, it will take awhile to deposit in small increments Assistant: To jump into this subthread, at that number there is a very high chance that the deposit will be followed up on by an investigator. So before you do it, make sure you have as much supporting documentation as you can get. Including the will, and any kind of history showing that your grandfather dealt primarily in cash. It would also help if he was in some kind of cash based business such as being barber. Keeping that sum of cash under the mattress so to speak doesnt pass the smell test for the average person. Im not trying to be combative but I just want to provide an objective perspective. I still very strongly advise against making smaller deposits. Also, at that money level I advise consulting with a tax attorney in person. Human: Are smaller deposits not a wise choice even in an active account?  <response>: Theres a federal law against structuring - google it. You could turn a legitimate situation into an illegitimate one by making lots of small deposits. 