Jarnkm- I don’t know the answer to your question. I am sorry that happen to you. I know that withdrawals of $10,000 or more are tracked by the government no matter who you are.
On another note, I like the idea of a money market account because it does bear interest, but you are limited to only writing a few checks a month.
It is better to get a high interest checking account at a credit union. My credit union offers an APY of 2.25% for balances up to $20,000.
There are conditions such as you have to use your debit card so many times a month and you have to have direct deposit and accept E-Statements instead of mailed accounting statements.
But if you perfer to get an online money market account, you should look at bankrate to see the best money market rates available.