Yeah bad idea. Like Deluxe said. Open an account. Make an initial deposit. The just transfe the full amount.

There's a difference between having your account frozen and having it reported to the federal government for suspicion.

The former you'd immediately feel. The latter not so much. Most likely you won't be frozen (too many legal hoops for the bank for that).

More likely they'd ask you to explain why you're doing it and how you got the money. And if it's a suspicious explanation or unclear banks are obligated to report the activity to the government and maybe rate you as more risky as a client.

Like another poster said, I'd be more worried about Wells Fargo 😅