TrapperJohn & Flyboy
Here's the IRS policy for reporting $10,000 cash. It's true. Form 8300. It's an honor system I suppose.
*BTW, you didn't say you deposited $10K CASH, maybe you deposited a $10K check?. If you did transact in cash, this may apply.
https://www.irs.gov/Businesses/Smal...300-and-Reporting-Cash-Payments-of-Over-10000
Filing Form 8300
Generally, any person in a trade or business who receives more than $10,000 in cash in a single transaction or in related transactions must file Form 8300. A "person" includes an individual, a company, a corporation, a partnership, an association, a trust, or an estate. A "person" must file a Form 8300 with the IRS if any part of the transaction occurs within any of the 50 states, the District of Columbia, or a U.S. possession or territory (American Samoa, The Commonwealth of the Northern Mariana Islands, Guam, Puerto Rico and the U.S. Virgin Islands).
If you are required to file Form 8300, you must do so by the 15th day after the date the cash transaction occurs. A "person" can file Form 8300 electronically or by mailing the form to the IRS at: Detroit Computing Center, P.O. Box 32621, Detroit, Michigan 48232.
It is simply not true that, in the U.S. YOU must file a report of some kind when you deposit $10k or more in a bank.
I've deposited more than $15k at least twice in the last 6 months and never filled out such a report.
I believe THE BANK is required to fill out such a report and remit it to the U.S. federal government. I'm not sure what the amount is that triggers this requirement for the bank. $10k sounds likely.
Furthermore, I think this report is auto-generated by the bank's computers and sent to the government with little or no actual human involvement.
Just my $0.02.