Filing a Suspicious Activity Report (SAR) is typically required when there is a potential or actual financial crime. The bank determining that a customer is making electronic transfers between his own checking and savings accounts just below the $10,000 reporting level could be seen as structuring to avoid reporting requirements. However, if the customer is transferring funds between their own accounts without any indication of illicit activity, it may not warrant filing a SAR as immediately as the other options. The other scenarios involve clear indications of fraud, theft, or hacking, which are more definitive reasons to file a SAR.