Originally Posted by aragno

Firstly, let me put to rest the suggestions such as don't carry it, use an ATM card, wire it, etc don't come along. I live abroad and paid in foreign currency but the rate of exchange at all banks is poor here so I would prefer to convert at a money changing company locally, as they have better rates than the bank can offer! Even depositing in USD to a USD account has a fee associated with it.... it's a scam but it is how it is.

I was wanting to carry back to US and then deposit in my account in US. I pay taxes so there is no funny business with the money and it is not illegal.

What happens with this FinCEN 105 form? Should I expect to be audited because I have declared this money? I have nothing to hide but being audited is a pain in the ... from what I understand.

Do I need to bring all my paycheck slips/bank statements to show where this money originated and that it was legitimate income? It is less than 50k USD so it's not as if I am transporting hundreds of thousands of dollars.

Any insight from those who have done transported such funds before would be much appreciated.