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The SAR thing has been around long enough that the banks know all of the tricks people try to get around it. Note that banks aren’t allowed to tell you that they filed an SAR on you even if you ask directly. Here’s another one for you. Each year the regulators score /rank banks on “safety & soundness” factors with what is called the “CAMEL” which is just an acronym. Only the bank Officers and Directors are allowed to know the bank’s CAMEL. It is against the law to tell anyone even if you get the highest possible score which is a 1. The reason? If the banks with good scores (1 or 2) broadcast what great shape they were in, the public would be able to figure out which banks were in trouble because they’d be the ones not advertising their CAMEL. Keep in mind deposits are only insured up to $250K so a bank that fails comes at a price to businesses and individuals with amounts above the insured level, and there are lots of old people whose entire net worth is sitting in a savings account. The FDIC just doesn’t want you to know that the bank they regulate on your behalf may be failing, until it is too late for you to protect yourself.