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Ok so, I have money in my american bank account. I send it through western union to my mexican bank account. Then I go buy dollars at an exchange house. I do this to make a couple hundred dollars every time I do this, just as an extra money.

I travel to USA almost every week carrying no more than $4,000 dollars every time. Every time I go into USA I get asked how much money I have on me, I allways tell them with no problem whether I have 2, 3, or 4 thousand.

Yesterday, they took me into revision, asked me a lot of questions and made me fill in a Fincen 105 form which I read that it’s designed to declare more than 10,000 usd. I filled it in for the ammount of $3592. So, the officers never answered my question: How often can I bring $10,000 or less without having to report it? Is it every week?, is it every month? Is if every time I get into the USA regardless if I go in every day?

I felt that they made me fill that form that by law I was not required to do so. Can some one give me an answer? Thank you.

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    I don't think this question is a duplicate of what Base-64 and @JoeTaxpayer said was already asked and answered. The other question was about a single entry into the US carrying more than $10K in cash; this one is about repeated entries (once a week? once a month? once a day?) carrying less than $10K each time. When does this money mule activity become suspect enough that CBP takes action? And is what CBP forced the OP to do illegal? (The latter is a question for law.SE). – Dilip Sarwate Jul 25 at 15:14
  • @DilipSarwate The title is not consistent with the content. Title was taking $10,000, content was reporting <$10,000. The other answer already said "there is no limit to the amount of currency that can be brought into or taken out of the US. ". – base64 Jul 25 at 15:39
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    This sounds like structuring, you should expect to fill out that form every time, and are certainly going to be watched more closely. That money could also be seized via civil forfeiture. I recommend stopping this practice. Even if it is not illegal per se, you are in for a lot of border scrutiny and might have the money seized one of these days. – Rocky Jul 25 at 21:00
  • Sure it could sound as whatever you want. But I have all my bank statements to prove Im ok. One of the officers told me that what I’m doing is perfectly legal. My question was because I felt that they made me fill a form that I thought I didn’t have to because I was only carring $3,592 dlls. I am more than willing to do anything, IF the law says so. – Hezrai Mejia Jul 26 at 19:44
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Probably infinitely often, as there is no legal limit to bring cash in the US anyway.
If you carry more than 10000 US $ in cash, you are required to report it, but it is still legal. So instead of going a hundred times with 4k$, you could just take 400 k$ and tell them when you enter, and you'd be fine.

The limit is really to allow them to monitor very large amounts for legal possession and tax liability - as long as you can show that you legally own the amount, and paid due taxes when you made it, you can bring a billion in cash if you want.

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  • I wish I had 400k. Like I said, I do it that way just to get that margin of gain, witch is about $170 for every $1800 dlls that I take into US. They made me think that it was an accumulative thing, for example, if the week before I took $4,000 I am only allowed to enter with $6,000 the next time. But that didn’t make sense to me. Thank you for your answer! – Hezrai Mejia Jul 26 at 19:22
  • I'll note that banks are required to report suspicious transactions, not just those over 10,000. If you transfer money in smaller batches, you might still get hit with requests for more information. The logic and rules for this are in part up to the bank's discretion. In some sense this makes it impossible to know for sure whether your account will be subject to extra scrutiny, since "suspicious activity" is not well-defined. This is intentional; making such scrutiny predictable would make it easier for criminals to evade suspicion. – Brian Jul 28 at 15:07

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