[MENTION=171900]redtop43[/MENTION] -- Thanks for sharing your plan & experience.

Personally, I would NOT go down the "pay CC stmt w/ MO" route. I can live with a deposit account shutdown, but risking shutdown of a good CC is too much risk for me.

Also: In addition to mix of activity you describe, maybe consider periodically CASHING some MOs at the bank where you have the high dollar relationship, then depositing that cash at another bank. To completely avoid any accusation of structuring, you could even accumulate & deposit $10k cash and happily complete the CTR (or bring one already filled-out). Brain-dead bank compliance officers may possibly better understand cash deposits (with CTR reporting) than MOs. Note that CTR doesn't require explanation of source of funds, just occupation of customer.