<prompt> Human: Im interested in getting a housecondotown home. I do have a bank account for paying bills, but I dont keep my money in it. I have around 18k in cash. Would the bank take the cash? Do I have to have it in a bank account? Im nervous they wont except it, then I wont have a down payment.  <response>: Stop keeping that much in cash. Its incredibly dangerous. Youre a theft, house fire, or flood away from losing presumably most of your life savings. There is no valid reason for keeping that kind of cash for the typical person. You can deposit the money, you will need to fill out some paperwork, and youll be fine. 