The amounts and frequency can trigger a report requirement by he financial institutions to the fedgov.
They may ask you something about the transaction at the time when it is above 10 k. Imo - better to take a few transactions above 10k than trying to hide from the report.
If you said wedding expenses and Vegas trip, at the time of withdrawal. That would probably be the end of it. I am pretty sure there is no law against lying to the bank manager, but not certain.
Trying to avoid that report to the fedgov, much more suspicious.
http://www.fincen.gov/news_room/rp/files/sar_guidance_narrative.pdf
Helpful information there about what should be reported. Of course, since the risk of not reporting is higher than the risk from over-reporting, there’s no ‘safe harbor’ even if you follow the rules.
On the other hand, a SAR for a single transaction probably isn’t going to trigger a criminal investigation. I’d rather explain a single $90,000 transaction than 10 $9,000 transactions.