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Are you talking about making regular deposits in to a checking or savings account or are you talking about putting money in to an IRA account or other retirement account?
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If you are simply making deposits in to your own regular bank accounts, there are never any taxes due. That is your money that has already been tax paid. You can deposit as much as you wish without ever owing taxes on it again.
If you make CASH deposits of $10,000 or more at any one time, the bank is required to report that deposit. But this only applies to cash deposits and does not apply to checks that you would deposit. Cash deposits that are below $10,000 are not reported.
Even though cash deposits of $10,000 or more are reported, that does not make them taxable. This is just a report required by the IRS to try and help stop money laundering schemes perpetrated by people who run illegal businesses, such as drug sales.
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A check for any amount never gets reported. The check could be for $50,000 or even higher. The only thing that ever gets reported is cash deposits of $10,000 or more.
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