That also sounds like structuring. Just deposit the money in your main bank account. If the IRS has questions about where you got that much money, presumably you can answer them truthfully.
If the money is taxable income of some kind, you should report it and pay the tax. If it is not income, be ready to prove it. If the money is from some illegal source or is legal but you are trying to avoid tax, we aren't really here for that kind of advice. If the money is perfectly legal and not taxable, structuring will turn a legal activity into a crime for no good reason.
