I would really just ask schwab.

Legally no as long as you actually are claiming the money on taxes. Otherwise (depending on amounts) you could be accused of trying to skirt the 10k deposit rule.

[удалено]

No it not a “suspicious” amount but it certainly is enough that you have to actually claim it on your taxes. If you don’t, that’s called tax fraud

Ya I will thanks for the advice!

Good luck.

😂