I have an interest earning checking account through a credit union that I use as a primary checking account.

Fortunately, there are no branches within 50 miles of me, so my only option is to do ATM deposits through US Bank. They accept money orders via ATM but it freaks out if I do more than $5k or multiple high $$ transactions a day. I'm still not certain what the cutoff point is.

Because of this I'm forced to spread out my deposits over several days, or if I need access to the cash sooner I can deposit to another bank account like BofA or Chase that's close by.

So, in my case I'm forced by my primary bank to make my deposits in a way that might look like structuring but that leaves an ATM rejection record that shows I'm not trying to do it on purpose.