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@Tackaberry  @SusanY1   I think you're on the right track, @Tackaberry  To avoid mailing my Federal & State Tax Returns, I "unchecked" the box saying I had a pending Form 3520 submission.  I'm in the same situation as you, foreign cash based inheritance.  So I mailed completed Form 3520 to Ogden, UT, and attached Form 8938, which will also be submitted electronically to the IRS, Federal Tax EFile.  I also attached the Foreign form saying the cash was an inheritance, hence not taxed by Uncle Sam.  Since my cash inheritance is >$150K, I also have to submit (Efile) FinCEN (Financial Crimes Enforcement Network) Form 114 to the U.S. Treasury, a different website than the IRS.  The good news for me is both my Federal & State returns were accepted today.  I'll let the IRS figure out Form 3520 and from past experience, they will reach out to me if there's an issue.  IMPORTANT!  Form 3520 has to be submitted by April 15, 2024, and Form 114 no later than October 15, 2024, or the IRS and FinCEN have a hissy fit. At least Forms 3520 & 114 are a one-time deal, versus US taxpayers that have foreign interests in trusts & companies, meaning they have to file these forms annually. For tax year 2024, I'll only have to submit an updated Form 8938 for the inheritance funds still held abroad.  Hope this helps you out. TAD-SAT.