There are no "rules" on this anymore. If there were, you could get around them.
"Structuring" to hide money (as someone pointed out) is _illegal_ and will get you in boucoup trouble. Just deposit it and fill out the fucking sheet already.
Or keep it in cash. Better yet, get a safe deposit box for your "vintage teapot" and forget to take the cash out of the teapot.
Also note, for almost 15 years, bankers have been learning how to troll their own records to find this stuff. They get rewarded for it, they take classes for spotting how to do it (I did the IT work on the Michigan Bankers Association online class on the subject in 1998.), if you need to move a lot of money in a legit way, use a bank a legit way.
If you are just being a paranoid douche, then keep it as cash. The IRS is the LEAST of your worries, you got the DOJ, DEA and other letter agencies with more teeth first in line anyway.
Personal attack removed. ~ JW777