If I make a large deposit into my checking account ($250,000) will it go unnoticed, or will bank officers be alerted to it?
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If a $250,000 deposit is made in cash to your account, it surely will get attention because the bank will be required to file a Currency Transaction Report. Take a look at this article about what is reported to the IRS. If the deposit is by check, no such report is made, but if the deposit is unusual for your account it may be reviewed.
It used to be that such a review was prompted by a desire to check out a check and see that it cleared before providing the customer access to the funds. It also presented an opportunity for a bank officer to get to know customers with larger balances that might be prospects for added business.
Today, both of those reasons are still valid. Bankers are also concerned whenever an out-of-the-ordinary transaction appears in a customer's accounts for reasons of security and fraud prevention.
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If a $250,000 deposit is made in cash to your account, it surely will get attention because the bank will be required to file a Currency Transaction Report. Take a look at 