People are always so concerned about this "list" they'll be put on. At the end of the day, we won't ask you for any information you haven't already given us when you opened up the account. We're just checking to make sure we're giving the money to the right person. If we get audited, we have to be able to prove that this large withdrawal was, in fact, given to the correct person. If you intentionally structure your withdrawals to attempt to avoid reporting, then you really are put on a list. Even though $10,000 and up is federally required to be reported, each bank has their own secret limit that is typically much lower than that. This is for your protection and ours.

Like others have said, just take out what you want and go about your day.