<prompt> Human: So I have 20,000 in cash. Some of it from my jobs all legal jobs, some of it birthdaychristmas gifts, and some of it scholarships. All the earned money was already taxed. All the gift money was given under the 14,000 annual personal limit. All the scholarship money is equal to less than the money I paid in tuition, so tax free. Now that Im finishing up college I want to deposit that cash and I know its going to be reported to the government. Im obviously not going to structure my deposits to avoid that report. Im just wondering if the government is going to ask about it? Im finishing up my last semester of school and really dont want to deal with a bureaucratic issue. So if it is going to be an issue Ill just wait until I graduate. Edit: Deposited it with no problems. Bought 10,000 in I-Bonds for my emergency fund and contributed 5,500 to my Roth IRA for 2017.  <response>: Banks wont care about a single large deposit which is fairly common like, say, when a car is sold.Multiple 9,500 deposits will trigger red flags, as will highly transient activity IE, 10,000 deposited Monday, withdrawn on Tuesday, repeated throughout the month in a personal checking account. But youve got nothing to worry about. 