withdraw $9999 each time. and open multiple accounts
... and trigger a SAR for obvious attempt to mislead the regulators. Not a good plan.
You'll need to make a determination how friendly your bank is to bitcoin. If friendly, then just carry on - because you are not doing anything illegal nor immoral. If, however, your bank is, or may become, antagonistic toward bitcoin, then now is the time to start shopping around for a better bank.