10k needs to be reported to federal authorities, which is annoying but not a big deal. They would someone prefer you to withdraw less, but they won’t tell you this as withdrawing just under 10k a few times to escape reporting is a bigger deal than a single larger withdrawal that must be reported. (come to think of it, this 10k number is 20 years old, probably changed since)

When dealing with that much money It is generally best to work electronically. There are logs of what happened so if there is trouble investigators can figure it out. Cash is anonymous and so if there are problems you have less ability to catch whoever stole it. I’m assume that your need for money is legal of course.