Remember that giving a gift of more than $15,000 per person per year only triggers a requirement to report on form 709. No gift tax is actually owed unless the lifetime total of all your gifts and your estate is more than $11 million. For most people, the gift tax return is only a reporting requirement.
also, be aware that all transactions of more than $10,000 are automatically reported by the bank to the IRS as part of anti-money laundering efforts. This is perfectly normal in nothing to be worried about. However, if you make several smaller transactions instead of one large transaction in order to avoid this reporting, that can be considered a separate crime called “structuring“. Keep it simple, and just transfer whatever you need to.
