<prompt> Human: My husband and I have a joint checking account and separate individual checking accounts. We get direct deposits from our employers to our individual checking accounts and transfer money each month to our joint checking account to pay our bills. I was wondering if us transferring money to our joint checking account each month would make the bank flag us for money laundering to the IRS? Thank you everyone for responding!  <response>: Haha, no, this is common behavior and no one is going to care. Transfers between your own accounts isnt really a thing in money laundering anyway. Money laundering would be is if you take your drug money and deposit it into your bank account a little at a time, or if you had a cash based business and you said all the money you deposit into the bank was for, say, your car wash business when really only some of the money is from washing cars, and the rest is from you selling meth. 