[raincom]

Yes, they don't ask you any thing. However, banks/car dealerships/etc have to file CTRs(Currency Transaction reports). It is good that you withdrew $13K in one shot. Structured withdrawals (4k, one day, 5k three days later, another 4k ten days later) will be flagged by AML software of any financial institution. And folks in the compliance team will file SAR(Suspicious activity report).

Lesson: when you legitimately need $30K cash, just withdraw it in one transaction. Never ever withdraw $5K every week for six weeks. For every SAR, there are 100 CTRs filed.

[RandomBacon]

Thank you, it sounds like you have some insight about the process.

I'm aware of structuring, but I don't think most people are. I've heard about it only once in the news where a store owner had his money seized because he was trying to avoid depositing more than $10,000 at a time, over a long time period.

IIRC, this was the case: https://www.forbes.com/sites/instituteforjustice/2015/05/05/...

[thephyber]

Re: structuring, the most famous example I know of is Dennis Hastert[1].

[1] https://en.wikipedia.org/wiki/Dennis_Hastert#Indictment