That's completely false. That situation you just described is absolutely not structuring.
Here's the fact pattern that _would_ make you a criminal guilty of structuring:
"You have $16,000 in cash. Knowing that there are reporting events that trigger some additional scrutiny of transactions about $10,000 you deliberately break the deposit into two separate transactions with the purpose of avoiding that scrutiny. As such, you deposit $9,000 in your bank account one day and $7,000 the next".
That's structuring. It requires the intent of avoiding the scrutiny. If you broke your deposits into two transactions for any other reason, it is not against the law.
The definition of structuring is 31 USC § 5324.
> No person shall, for the purpose of evading the reporting requirements of section 5313(a) or 5325 or any regulation prescribed under any such section, the reporting or recordkeeping requirements imposed by any order issued under section 5326, or the recordkeeping requirements imposed by any regulation prescribed under section 21 of the Federal Deposit Insurance Act or section 123 of Public Law 91–508
https://www.law.cornell.edu/uscode/text/31/5324
Here's the fact pattern that _would_ make you a criminal guilty of structuring:
"You have $16,000 in cash. Knowing that there are reporting events that trigger some additional scrutiny of transactions about $10,000 you deliberately break the deposit into two separate transactions with the purpose of avoiding that scrutiny. As such, you deposit $9,000 in your bank account one day and $7,000 the next".
That's structuring. It requires the intent of avoiding the scrutiny. If you broke your deposits into two transactions for any other reason, it is not against the law.
The definition of structuring is 31 USC § 5324.
> No person shall, for the purpose of evading the reporting requirements of section 5313(a) or 5325 or any regulation prescribed under any such section, the reporting or recordkeeping requirements imposed by any order issued under section 5326, or the recordkeeping requirements imposed by any regulation prescribed under section 21 of the Federal Deposit Insurance Act or section 123 of Public Law 91–508
https://www.law.cornell.edu/uscode/text/31/5324