Do banking regulations establish the maximum cash deposits without having to fill out a report.? Or does each bank have their guidelines? In general, what is the maximum deposit without reporting it to the IRS? Also, is there an established frequency? Someone had told me that it is $10K per transaction or should this be per transaction per year? Thanks

I recommend you take a look at the instructions on the form used by financial institutions for reporting large currency transactions. You can find the form at http://www.fincen.gov/forms/fin104_ctr.pdf