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Pai...sorry if you misunderstood me. What I meant was $20K deposited over the span of 1 year. for example I get a check on the 15th and a check on the 1st...then I get bonus checks. I deposit all of them either through auto-deposit or when I go to the bank. At the end of the year I had deposited a total of 27,891. I didn't mean $20K at one time. Sorry about the confusion.