My MIL gave us $15,000 for Christmas, in the form of a personal check. My wife and I have a joint account at my bank, Navy Federal. I couldn’t deposit the check there for a variety of reasons, which were: I couldn’t use the app because it won’t accept deposits over $10,000, the ATM at work “isn’t accepting deposits at this time” and the branch there is closed for renovation. There are no other branches I can get to conveniently. I never thought it would be this hard to just accept money!
Anyways, my wife deposited the $15k in her personal checking account with Bank of America, then wrote me two checks, one for $8000 and another for $7000, so I could deposit them via the app.
Will depositing these trigger a suspicious activity report? Should I just play it safe and have my wife write me a check for the whole $15k and go find another branch somewhere?