Banks use FinCEN form 104. From the instructions on that form...

Transaction in Currency: The physical transfer of
currency from one person to another. This does not include a transfer of funds by means of bank check, bank draft, wire transfer or other written order that does not involve the physical transfer of currency.

Currency: The coin and paper money of the United
States or any other country, which is circulated and
customarily used and accepted as money.

Anonymous writes that ....Money laundering laws require a bank to report any CASH deposit of $10,000 or more.


Banks are not required to report transactions of $10,000 cash..only transactions that exceed $10,000 in cash.