Depositing more than $10,000 in your bank account can have surprising consequences.

Depositing money into your bank account is usually a pretty straightforward process. You go to the bank, use your ATM card , or visit a teller, and deposit your funds. Or, many people now have mobile deposit on their phones, so they can deposit their money from home.

In some cases, though, things could get a little more complicated. Specifically, if you have $10,000 or more that you want to deposit, there may be more involved in the transaction than if you were depositing a smaller sum. Here's why.

Special rules apply for deposits over $10,000

Deposits over $10,000 are treated a little differently by banks because of a law called the Bank Secrecy Act. Under this law, when you make a cash deposit of $1

See Full Page