I've been in the crypto space for 8 years, growing my principal from 50,000 to nearly 20 million in positions. Lately, my DMs have been blowing up, and the most common question is: "Will withdrawing a large amount of funds get me flagged by the bank?"

To be honest, as long as your operations are clean and you're not involved in anything illegal, the bank won't bother you for no reason. But I've seen too many people stumble and fall—one friend tried to make a little extra by cashing out USDT off-market, and 4 million got frozen for half a year; even worse, some received problematic funds and got slapped with "concealing criminal proceeds" charges.

Today, I'm going to share all the pitfalls I've actually encountered. Remember these 5 rules, and the money you make will truly end up in your pocket.

**Banks won't proactively investigate you, but large deposits are in the "observation window"**

A lot of people panic when they hear "single transactions of 5 million will be investigated." It's really not that dramatic. I've done several transactions myself, single or cumulative amounts over 5 million. At most, the bank calls to confirm it's you and maybe pitches you some VIP services. They won't interrogate you like a criminal.

What really causes trouble is "high-frequency, large in-and-out transactions in a short period"—for example, cashing out hundreds of thousands every day for a week. This kind of activity is very likely to trigger risk controls, and your card could be restricted from non-counter transactions. Then you'll have to take a pile of documents to the bank to get it unfrozen, which is time-consuming and tedious.

**Never touch these three types of funding channels—you're just planting a landmine for yourself**

This is where most people get into trouble! I've summarized three types of crypto cash-out channels you should absolutely avoid: first, unlicensed shady platforms; second, random vendors in WeChat moments offering "high premium USDT purchases"; third, face-to-face cash transactions offline. Nine times out of ten, these channels have problematic funds.