My mother is on hospice watch and I'm preparing to deal with estate / will / property issues. I believe she has a large sum of money exceeding $10K in her safe. I know of FinCEN / IRS form 8300 requirements if there is a large cash deposit of $10K or more, and it just feels silly to run around depositing cash deposits at other banks which might even flag structuring. Is there a way of making this deposit that can bypass the bank reporting it? I'm not a drug lord. I may need that cash to pay for estate-related expenses.