So you are limiting their daily deposits to $7,500 but encouraging structuring?
I don't think it necessarily encourages structuring, it just limits the courier carrying amount. If a business expects it will bring in more than that, then this service would probably not be suited to it or would not be offered.
Or, cash deposits can still be made by a runner to the branch.
Limiting the courier amount does *not* mean the customer does not have other avenues to make their cash deposits.
It is the decision of the customer to use this service knowing the limitation on the cash deposit, it is not the bank saying the customer cannot deposit more than $7500 a day.
But it might be a fine line?
Our couriers are not supposed to pick up cash at all. If a customer of ours wants to use our service and are also cash intensive, they generally contract with an armored car service for the cash pickups and with our couriers for the check deposits.