My grandma has a large amount of cash, and she can't put it in a bank. And i'm currently on financial aid, and don't wanna loose it. If i put the money in my bank of america checking account, and not declare it, an use it indescrimentally for miscellanous expenses. So would the fed government or anybody else would be able to find out about the account? The $ is in about 10k range, and would probably be used for savings and car.