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Thank you all for explaining a little bit :)
Actually it's the money laundering guy's fee that's 40% which means 60% of what you give him will be transferred into your account.
Honestly laundering money in this game is NOT worth it. The fee is far too steep. Additionally if you deposit at an ATM at night (police hours) your risk/exposure meters won't rise very much even for decently large transactions (I've done $4k, I've heard that others have done $20k or more), so I'd say the main reasons to launder money are: Realism/lore, MASSIVE transactions.
I think he means that you can currently deposit as much as you want during the night without causing DEA issues. This is something that should definitely be fixed as it makes no sense at all. High deposits on your account should always be suspicious.
I'm pretty sure it's not intended to be this way because it makes money laundering completely useless and the game tip to make sure you don't deposit too much basically is also useless.
In my personal hard mode game I usually drop about $100k in at a time during the night and the bars move very little at all.
Do not expect it to stay this way as it will get patched and balanced for sure, as it should.