Not if you are doing legitimate transfers. I had to move money from trading account and had to do it over multiple days due to limits. It’s my money moving from one account to another. Zelle also doesn’t allow you to move more than certain amount. Probably for protection reasons.
INAL, but just to give one more example. If you're depositing >$10k cash into a bank, you (or your bank) have to report that to the IRS. If it's legally acquired, that's fine. However, breaking that same transition up into multiple transactions in order to avoid this reporting requirement is called "structuring," and it's a felony, even if the money was totally legitimate.
Yes, for example real time NACHA payment event streams are actually windowed by periods governed by each transaction's exposure to risk and corresponding risk classification windows.
