One, this isn’t structuring. Just because you read what structuring is 5m before you read my post doesn’t make this structuring. 50k is way over reporting limits.
And also no it isn’t faster to pick up the phone, even if I don’t get out on hold at all. An ACH transfer takes seconds, it’s like writing a digital check. Doing it 4 times takes very little time.
I didn't mean "structuring" in the legal sense, I meant it in the technical sense (arranging transactions in order to avoid something).
I find it's much easier to engage in a 15 minute phone call than to do multiple transactions over a number of days. You may find it different, of course.
And also no it isn’t faster to pick up the phone, even if I don’t get out on hold at all. An ACH transfer takes seconds, it’s like writing a digital check. Doing it 4 times takes very little time.