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Thread: Getting questioned at bank for making ca$h deposits...

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    Default Re: Getting questioned at bank for making ca$h deposits...

    Damn... and this whole time, I thought it was illegal for them to even ask me! Well, fuck them, then. I'll tell them I'm a model and be on my way. LOL!
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    Default Re: Getting questioned at bank for making ca$h deposits...

    Can't speak for Canada, but in the US, there's two reasons they might ask:

    1. The tax issues that have already been mentioned.

    2. Patriot Act and related anti-terrorism stuff... Most people won't pay enough attention to the small deposits (and anything under a grand is a small deposit) that you make regularly, but now most bank employees are trained to be on the lookout for suspicious transactions and suspicious patterns of transactions. I got my account when I was selling Mary Kay actively, and all the tellers at my local branch used to know me as Mary Kay lady. So now they don't even ask... But I always make my deposit to the night drop before I even go home from work, so it's usually not an issue anymore. But you can say just about anything, from waitressing to Mary Kay to telling the truth! They just want to make sure you're not holding the money for al Qaeda or something...

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    Veteran Member hikaru's Avatar
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    Default Re: Getting questioned at bank for making ca$h deposits...

    I hate that they do that! It's none of their business They asked me before like 5 times. The last time, I said I am stripper. They never asked me again

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    Default Re: Getting questioned at bank for making ca$h deposits...

    As if someone laundering money or funding Al Qaeda would readily admit to it, especially to a bank teller....just like at the airport "why yes, I did let a terrorist pack my bags, why do you ask?"...

    Just say your a bartender or any other cash job.

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    Default Re: Getting questioned at bank for making ca$h deposits...



    ETA: When I first started dancing I got freaked out because I ran into a teller from my bank at work. he saw me and asked hey, do you bank at so and so? I told him yeah, and well hey now at least you know where all my cash deposits are coming from!

    I was mortified at first, now I don't care. I'll just tell them I'm a stripper just to see the looks on their faces. It never fails, every time I tell someone I burst out laughing after I leave!
    Last edited by virgoamm; 12-10-2007 at 04:43 PM.

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    Featured Member Vamp's Avatar
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    Default Re: Getting questioned at bank for making ca$h deposits...

    I have been a teller. Yes we have to ask where the money comes from. All large cash transactions deposit or withdrawal is handled the same. It doesn't matter if you a stripper, business owner, or a soccer mom the policy is the same.

    The best thing is to tell them you are dancer, stripper, or waitress. Getting an attitude doesn't help matters. Tellers actually hate having to ask these questions. We would rather just do the transaction and send you on your way. But if we did that we would get into trouble.

    The manager knows that they ask these questions. If you bring it up to them they will just go over the policies again.

    The reason they ask is to see what your answer would be. Many money launders have been caught this way. Because their answers are shady and full of holes. Not only that if you have gotten a counterfeit money from a customer, by letting them know ahead of time, it will help prevent you from taking the fall for it.

    If you run into a worker from your bank they are NOT to initiate a coversation about where you bank. This is also against the code of conduct with all banks. It is very unprofessional.
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    Default Re: Getting questioned at bank for making ca$h deposits...

    I just smile and say "work." with a smile. It's the truth, and I've never been questioned further than that.

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    Default Re: Getting questioned at bank for making ca$h deposits...

    Quote Originally Posted by PrettyCurlieQ View Post
    That last part was sarcasm.
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    Default Re: Getting questioned at bank for making ca$h deposits...

    I never deposited more than $1000 in cash at a time so I was never asked for security/laundering purposes... I have had a couple of nosey tellers ask while they were counting out my singles or twenties.

    A quizzical and sincere sounding, "did you lose count?" usually gets the point accross without having to cop an attitude. Make sure to cock your head to the side for added effect.

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    Default Re: Getting questioned at bank for making ca$h deposits...

    ^^^ because of the 'aggregate' amount business in the reporting requirement, limiting the size of your deposits is no guarantee that the teller won't remember that you also made a $1000 deposit earlier in the week. From that standpoint it's less likely to draw attention if your accounts are kept with a bank that has a large number of easily accessible branches, and if you 'rotate' which branch you use to make this week's deposit. Of course the 'back door' reporting threshold may come into play as the bank's computer will catch the total amount of cash deposits you are making to the same account even though the individual deposits may be spread out over several branches.

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    Default Re: Getting questioned at bank for making ca$h deposits...

    "I have a small retail, cash sales business and I don't like to have excess bills lying around the house, and I like to have a record of my income."

    Seems innocuous and not far from the actual truth as to get you in trouble if you are ever audited.
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    Default Re: Getting questioned at bank for making ca$h deposits...

    Quote Originally Posted by Melonie View Post
    ^^^ because of the 'aggregate' amount business in the reporting requirement, limiting the size of your deposits is no guarantee that the teller won't remember that you also made a $1000 deposit earlier in the week. From that standpoint it's less likely to draw attention if your accounts are kept with a bank that has a large number of easily accessible branches, and if you 'rotate' which branch you use to make this week's deposit. Of course the 'back door' reporting threshold may come into play as the bank's computer will catch the total amount of cash deposits you are making to the same account even though the individual deposits may be spread out over several branches.
    Good to know, although I don't get to make large cash deposits anymore

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    Default Re: Getting questioned at bank for making ca$h deposits...

    Quote Originally Posted by beautiful. View Post
    Next time somebody asked me about it, I'd ask to speak to a manager. It's nobody's business where your money comes from. Asking about personal financial matters is just a huge pet peeve of mine!
    that.

    it should be against bank policies. i don't understand what vamp is saying about them "having to ask". they shouldn't be assuming everyone depositing cash is doing something illegal.

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    Default Re: Getting questioned at bank for making ca$h deposits...

    May I ask what would constitute a "large cash deposit?"

    Over 1 thousand?
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    Default Re: Getting questioned at bank for making ca$h deposits...

    The largest deposit I ever made was $9900. And they didn't ask me anything.

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    Default Re: Getting questioned at bank for making ca$h deposits...

    well in Louisiana, people are used to seeing huge amounts of cash floating around *** wink wink ***

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    Default Re: Getting questioned at bank for making ca$h deposits...

    I took in about a thousand dollars worth of ones the other day and the cashier said " awee you have to scrimp and save every dollar these days, I bet this took awhile!" I smiled and thought that was cute, I cant tell you how many times people have said something about me "moonlighting" while laughing and thinking it's a funny joke. Its none of their business, say you bartend or waitress.

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    Default Re: Getting questioned at bank for making ca$h deposits...

    May I ask what would constitute a "large cash deposit?"
    It depends on your particular state, and to some degree on your particular city. Under New York state money laundering laws, a $3,000 transaction will get you the full gamut of questions along with a cash transaction report being sent by the bank to the NY income tax authority (and as a result to the IRS as well). However, there is no official threshold requirement for banks to voluntarily file suspicious activity reports. Therefore if you live in a city where the economy is good, depositing $1000 in cash wouldn't raise an eyebrow. On the other hand if you live in a city where lots of industry has moved out and money is hard to come by, depositing $1000 in cash may draw significant bank attention.

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    Default Re: Getting questioned at bank for making ca$h deposits...

    Quote Originally Posted by Melonie View Post
    well in Louisiana, people are used to seeing huge amounts of cash floating around *** wink wink ***
    No, this was in Texas!

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    Default Re: Getting questioned at bank for making ca$h deposits...

    What kind of fuckery is that? It's none of their business and I can promise this person is a nosy bitch.

    Next time you get asked that, ask to speak to the manager and lodge a complaint with him about what happened. A teller has absolutely no right or authority to question why you are depositing ANYTHING, nor can they ask you what's in your safe deposit box
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    Default Re: Getting questioned at bank for making ca$h deposits...

    Oh, but deposits of 5 grand or more I believe are reported to the IRS, but if you make two 2500 deposits a day apart they won't be right, Melonie?

    Also this applies when you write or cash a check of more than 5k right?

    Melonie where art thou??
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    Featured Member Vamp's Avatar
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    Default Re: Getting questioned at bank for making ca$h deposits...

    Quote Originally Posted by Pretty_Penny View Post
    that.

    it should be against bank policies. i don't understand what vamp is saying about them "having to ask". they shouldn't be assuming everyone depositing cash is doing something illegal.

    Tellers are trained that if someone is doing any suspicious activity, that can include alot of larger cash deposits and withdrawals, alot of cashiers checks, wire transfers, third party checks, anything that raises red flags, Tellers are trained to ask questions. " Do you know personally who gave you this check?" this question helps against check fraud with alot of scams. You would be surprised how many people take large cashier checks from people they dont know. Many end up being fake checks.

    When I was a teller I would try to make the cash asking question a joke "Did you win the lottery?" Most people would laugh and say no just work money or transferring funds for x y z reason. I had one man who got upset, he was in a big hurry, i asked the other tellers about it, seems he did deposit large amounts often, checked his account, there was alot of wire transfers, and for various reasons we ended closing his account for fraudulent activity.

    By asking questions tellers actually prevent ALOT of fraud not only for the bank but also customers. Not all tellers use tact though.

    Also keep in mind the reports that Melonie is talking about .... no one will ever tell you that they are being filed.
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    Featured Member Vamp's Avatar
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    Default Re: Getting questioned at bank for making ca$h deposits...

    Quote Originally Posted by VegasPrincess View Post
    What kind of fuckery is that? It's none of their business and I can promise this person is a nosy bitch.

    Next time you get asked that, ask to speak to the manager and lodge a complaint with him about what happened. A teller has absolutely no right or authority to question why you are depositing ANYTHING, nor can they ask you what's in your safe deposit box
    I have asked all of these questions at work. Personally I could of cared less but it was part of my job.

    Banks actually log what is placed in a safe deposit box. One because we can not hold illegal goods and Two so that when you open the box everything is accounted for.
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    Featured Member Vamp's Avatar
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    Default Re: Getting questioned at bank for making ca$h deposits...

    Quote Originally Posted by VegasPrincess View Post
    Oh, but deposits of 5 grand or more I believe are reported to the IRS, but if you make two 2500 deposits a day apart they won't be right, Melonie?

    Also this applies when you write or cash a check of more than 5k right?

    Melonie where art thou??

    Each bank has a differant dollar threshold. There isnt any guarantee that it wont be reported no matter the dollar amount. The best thing to do is to make the deposit odd dollar amount deposits.

    If someone comes in making one 5000 dollar deposit in cash one day and another 5000 in cash a few days later it will get reported. It isn't just the dollar amount but the activity.

    Writing a large check does not send off the red flags as much as cashing a large check.

    The best thing once again is to not go into a bank with an attitude. Talk to the tellers joke and laugh. Let them know you are just depositing money from work and nothing else will happen. It is when you go in with guns blazing that brings negative attention to your transactions and increase the risk of being reported for suspicious activity.
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    Default Re: Getting questioned at bank for making ca$h deposits...

    is it just me... I never had a problem saying I'm a dancer my lack of embarrassment tended to make the nosy tellers uncomfortable, it's great, it usually embarrasses them and shuts them up... Also and I didn't read the second page but bartenders make tons of money in cash tips. You could say you tend bar...
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