withdraw $9999 each time. and open multiple accounts
This.
Under $10,000 no flags are raised. I don't think.
Not entirely correct, as any withdrawal over about USD 9K can trigger a report, a single withdrawal of USD 9999.oo will trigger both a cash withdrawal as well as a SAR; suspicious activity report.
If you ask the bank if a withdrawal is going to be reported, the law mandates that it must be, even if it were expempt before you asked.
The federal government is very, very concerned about your cash.