I spoke to a couple branch managers of major banks about this.

As long as you are cashing out less than $100,000 nothing will be triggered on the bank side.  In other words, as long as they aren't seeing a deposit coming in from outside the bank that exceeds $100,000, nothing is triggered in their system to look into it.

This has been confirmed by a few friends so far.   No questions were asked.  

There was some good advice given though - that it wouldn't hurt to call your bank ahead of time and speak to a manager.  Especially if you plan to exceed $100,000.  

Let them know you've been investing in "international currencies" and will be cashing some out.  Being forward about it and transparent ahead of time often diffuses any knee-jerk reactions that otherwise might have happened on the bank side.

NOTE: This is in the USA only.

-B-