Which of the following is an example of suspicious activity that should be reported?

Large cash deposits followed by immediate withdrawals is considered a classic example of suspicious activity that warrants reporting under the Bank Secrecy Act (BSA). This behavior raises red flags for financial institutions and regulators, as it can signal potential money laundering or other illicit activities. The pattern suggests that the individual may be attempting to obscure the source of the funds or structure transactions to evade detection.

Reports of such activity help authorities in their efforts to combat financial crimes, as they could indicate that a customer is trying to convert illicit cash into assets or is engaging in layering, one of the stages in money laundering. Institutions are required to monitor and report these types of transactions to ensure compliance with regulatory mandates and maintain the integrity of the financial system.

In contrast, regular deposits from the same customer or transactions within normal ranges do not typically raise concerns, as they reflect expected banking behaviors. Unusual bank promotions, while potentially interesting, do not pertain to customer activity that may necessitate a suspicious activity report.