I was dealing with a shaky regional bank as well...they closed my account because I deposited 23k in cash. The money was from a customer payment and I brought the referenced invoice to the bank when depositing the money.

The actual deposit went fine, but I got a call from bank manager 3 weeks later saying that I was "high risk" and corporate was closing the account. The manager was actually very apologetic and sympathetic to my situation. He basically threw corporate under the bus and said there were so many forms to fill out for high cash transactions that it was no longer worth the risk (having a bank tell you its too risky for you to hand them money is peak clown world).

Its an impossible situation: What was I to do? If you try to deposit under the 10k reporting threshold then the feds charge you with "structuring" (ie. a made-up name and made-up crime). If you deposit the full amount, the bank closes your account because they themselves now need to answer too many questions to feds regarding "large currency deposits".

Of course the real hilarity is that back when the $10K "high cash limit" was set, was early 80s....so probably $75K in todays money?

The client in question was a retail store that we installed POS system into....like 1 server + 2 client PCs + some cabling + software license fees.

The point of my saga is that yes, the regional banks are being squeezed out of existence but I don't have too much sympathy frankly.....