Ok, so show me what is a large amount of cash? Also business owners go to the banks all different times. Not just at 2pm every other Friday.
Also consider the bad guy always thing the business owners is rich and they also thing they have big money all of the time. So what is big money? The deposits from Home Depot of the local snowball stand?
Once again, I believe this falls in the category of MSP knows it when they see it...I don't recall anyone posting a link to either COMAR or the Maryland legislation that codifies these data points.