IR-032 Getting Past No: When the Bank Asks About Your Currency

The banker asks about the money. What is it, where did it come from, why do you hold it, how much and when? Here are the exact words for each question, none naming the holding and all of them true, plus the one answer that closes the door for good and what to hand over once you are a client.

A smiling couple in their sixties leave a bank into afternoon sun, a navy folder in her hand, as their banker waves goodbye.
The questions are the job. Answer them truthfully and calmly, and you leave as a client.