To start off, I should say I am not trying to do anything illegal - quite the opposite.
I am in the US and I have a decently large amount of cash - above the $10,000 reporting threshhold (approximately $20,000). I would like to put this in the bank, and as tempting as it is to deposit it a little at a time, that's basically textbook structuring, and I don't want to commit a felony just to avoid a possible unpleasant interaction with the government.
That said, I'm not sure exactly what happens when you deposit >$10,000 cash into a bank. I know that a currency transaction report is generated, and there's some possible that this will trigger an investigation (though this is a one-time thing, so I doubt they'll see any sort of pattern).
My question is: I have heard, over and over again, that you should not talk to law enforcement without a lawyer present, even when you are completely innocent. I am worried that if questioned about the source of the money, I will accidentally waive my "right to remain silent" by trying to explain the source of the money only to find I've accidentally broken some obscure financial law. Similarly, I don't want to break some law I don't know about by refusing to talk about the source of the money if questioned by a bank employee or IRS person.
My question is this: Is there some requirement that I disclose the source of a large cash deposit to a bank teller, if asked? (I'm assuming here that if I'm actually approached by a real government agent, I will need a lawyer, or at least an accountant).
And as a bonus question - how likely is it that I'll actually be seriously grilled about this, as opposed to just having the CTR go in without me knowing it?