<prompt> Human: I have over 30k cash in my home. I plan to pay off my student loans so I need to deposit my savings into my bank.I acquired it legally from jobs and gifts from family. However, I always felt the need to physically hold my money so whenever I had a paycheck or checkcash from family, I would cash it out from my bank and store the money in a secret firewaternuclearmagic proof place at home.I read it is best to submit a large lump deposit instead of trying to break it apart and looking even more suspicious.Every penny saved was earned legally but the only proof I have would be if the bank recorded every activity I did like cashing every check I got for the last 7 years I am 21 years old. How should I go about depositing a large amount with the possibility that I have no proof of legally earning it?Thanks!  <response>: I work at a bank so my advice will be relevant. We see cash deposits literally ALL the time. It is not a big deal. A currency transaction report or CTR for short will be done on your deposit by the teller. This has literally no implications for you if the money was all acquired legally. This is to track large cash deposits related to tax evasion, money laundering and ties to illegal activity. The teller will more than likely ask for your ID and your social security number will be referenced on the report but they will probably grab that from your account. They are typically not allowed to tell you that they are completing the currency transaction report to you. Some may. It is simply not a big deal and will not have any bearing on you. Now, if you break your cash deposits or withdrawals into amounts less than 10000.01, this is called structuring and is illegal. This will typically garner another report called a UAR or unusual activity report which will then be sent to your banks financial crimes and investigations department where they will review your account for any illegal activity. Also, I do not know about all other banks but mine will not absolutely put a hold on any cash deposits and it will be credited same day. Also, we do not give a fuck about whether you paid your taxes or not. Only the IRS will know that and I do not foresee any issues for you unless you have not paid your taxes in any of the seven years you have been working or you are expecting a tax audit. 