[ianhawes]

The withdrawal reporting threshold is actually $10K. In my experience, banks typically won't prevent you from withdrawing over $10K either, though they do file a report. The report is just another datapoint though, and not evidence of a crime.

If I had to guess, you probably just irritated someone because of your withdrawal size combined with the fact that most banks do not hold more than $15-$20K in cash.

[justinjlynn]

I believe it is 5k now: https://www.ffiec.gov/bsa_aml_infobase/pages_manual/OLM_015....

and I probably did irritate someone with the withdrawal size. They started making me request it a week in advance before they decide it was too much trouble for them.