Generally speaking, no, this is based on the premise that your total deposit is not large, and the frequency and place of use. According to the national anti-money laundering regulations, cash transactions of more than 50,000 yuan and transfer transactions of more than 200,000 yuan, including overseas remittance business, must be investigated for anti-money laundering. Conduct back-to-back investigation and verification through the system. Only when the transaction is really suspicious and can't be verified, can you call or interview the depositor, otherwise the anti-money laundering department of the bank will get bored and the anti-money laundering department will score points. Ordinary transactions only verify their own transactions, transaction methods, purposes, frequency and total amount, and report them. If the frequency is too high and the quantity is too large, the investigation will be upgraded.

In order to prevent account money laundering, the relevant departments have stipulated frequent or large cash deposits. Once large suspicious transactions are discovered, all commercial banks must report to the People's Bank of China. Generally speaking, banks need to report to the anti-money laundering center under the following circumstances. ：

1. Single or accumulated cash deposit and withdrawal, cash on the same day, exchange and remittance of more than RMB 200,000 or equivalent 10000 USD.

2. The bank accounts of legal persons, other organizations and individual industrial and commercial households accumulated more than 2 million yuan in a single day.

3. One party to the transaction is a natural person, and the accumulated amount of cross-border transactions exceeds USD 65,438+RMB 00,000.

4. Single transfer between bank accounts of natural persons, between accounts of natural persons and other organizations, and between individual industrial and commercial households and legal persons, with an amount of more than 500,000 yuan or the equivalent of more than 6,543,800 US dollars in foreign currency.

The risk of huge personal deposits with unknown sources in banks

Monitor personal deposits of more than 200,000 yuan or transfer funds of more than 500,000 yuan between individuals, legal persons and individual industrial and commercial households. The bank will automatically start monitoring, even inquire about the source of deposits by telephone, and feed back to the anti-money laundering center in the form of a report. Generally speaking, individuals with huge deposits exceeding 200,000 yuan will be monitored. At the same time, huge deposits often need to be transferred. Even if the transfer amount between individuals and related units and individual households exceeds 500,000 yuan, and the transfer amount between units exceeds 2 million yuan, monitoring will be triggered automatically. Under the current circumstances, it is basically impossible to escape legal sanctions by depositing huge amounts of funds of unknown origin into banks in the form of accounts. If it is held in other forms, it depends on the source.