The International Bank Account Number is a unique identifier helping banks process payments from person to person automatically. The IBAN contains all necessary information for the owner if a bank account such as the account number, bank and branch information and country code.
Quick Answer. Whether its one cash deposit of $10,000 or multiple transactions that add up to $10,000, cash deposits must be reported to the Internal Revenue Service (IRS) once they hit that amount if conducting trade or business. If cash deposits hit this amount, it must be reported to the IRS through Form 8300.
Most banks have a limit on how many you can do in a year (at the bank I work at, you're allowed 5, or no more than $1,000 worth, whichever comes first). So yes, if the merchant decides to give you a refund on their own accord, obviously there would be no charge back fees as they are simply crediting your account.