Methinks the bank/IRS "trigger flag" is still 10K, but I just paid cash for a new (to me) car from a dealer ... no biggie. I've done cash exchanges with relatives above 10K a few times ... sometimes a lot more... but still nickle & dime stuff.
Me ... I'd withdraw the cash and hand it to them .... no paper trail other than your withdrawal (over 10K) ... or withdraw in multiple transactions below that.
I do nothing illegal, but 25K is nothing ... if it triggers a "flag" ... they just FIRED anyone who might have cared
.
A string of 8K withdrawals might do it too ...
I just don't worry about it ... and would explain if asked ... but I'm just not on their radar.
$19K?
Here ... enjoy it!
It's a "loan" ... pay it back when you want too... $1 per year minimum
My dad & I have never even shook hands ... and now we're busted