Intent to do something. Intent to structure, though? Nah, CTRs aren't triggered by MO deposits. And you can't structure to avoid SARs, per statute.

But yeah, I get your point, Alcibiades. Even if I did intentionally avoid large MO deposits, I wouldn't go around saying that I intentionally avoided large MO deposits.

As for me, I'll take this opportunity to opine that notoriety is your friend in this field. One trigger of SARs is activity that is out of the norm for a particular customer. So make large deposits normal. Another trigger is activity involving funds that may be the product of criminal activity. Never try to hide anything, because ultimately you can't. And trying to obfuscate what you are doing will probably just make you look suspicious and possibly criminal. YMMV, but I've had great success with the MS cycle years. I am always honest and friendly, and most of the tellers, CSRs and managers at all stages of my MS cycle know what I'm doing and are fine with it.

Andyandy