The $10,000 limit is for individual transfers. So if one person gives you the $20,000, then the feds will have to know about it. If it's spread among a bunch of people (which is what I would expect), then you shouldn't have that sort of problem.
The IRS is not the one that tracks the large transactions, by the way. It's the Justice Department. They're looking for evidence of money laundering. If you're still worried, then just split the amounts among your 3 accounts and then consolidate them later.
Congratualtions, by the way!
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