Hey bank, I like to deposit $9,999.

@hoang.tu.le6

18.4K followers · usually 1.7K views a post

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33.7K

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66

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SoundTikTok sound · original sound - hoang.tu.le6

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Structuring (as a financial concept)

Why it worked

The video leverages a common financial scenario (depositing money) and introduces a surprising legal consequence ('structuring') that educates viewers while creating a sense of urgency and potential risk, making it highly shareable.

Summary

The video explains the concept of 'structuring' in banking, where depositing amounts just under $10,000 to avoid IRS reporting is illegal. The creator highlights that this practice can lead to asset seizure by the IRS.

Structure

1Depositing $9,999
2Bank's acceptance
3Explanation of IRS reporting threshold
4Intent to deposit another $9,999
5Warning about 'structuring'
6Consequences of structuring

Product placement

IRS: The United States' federal agency responsible for tax collection and administration. It merely appears as a concept discussed in the video, and removing the mention of the IRS would change the video's meaning. Donald Trump: A public figure, his image is used to represent authority or a potential target of scrutiny, but he does not act within the video. Removing his image would not change the video's narrative.

Original caption

Watch-out For This Depositing at the Bank 😨🏦 #bank #foryou #money #fypシ #pov #storytime #viral #PersonalFinance #story #fyp #tiktok #LearnOnTikTok

More from @hoang.tu.le6

On-screen text

Watch-out For This Depositing at the Bank

Transcript

Hey bank, I like to deposit $9,999. Okay, sir. That's no problem. Yeah, I know about you guys secure that you have to report to the IRS any deposits 10,000 over. I don't need the IRS looking at any of my personal bank activity. No doubt, but they just want to make sure they catch any illegal activities or moneylending. Yeah, I know, but after that deposit, I want to deposit another of the same amount. I can, but you should know that publicly depositing under that limit is very illegal. This is called structuring. And the IRS finds you guilty of this, they can seize all of your assets. Dang, I'm glad I follow you on Ted.