F1 students should not keep lots of money in bank account unless you cal show a legal source of the money. Banks report the finincial status of all the account holders.You may get caught. I have seen a guy questioned and about his saving account in chase bank where he had about 11 thousands earned illegally ie working /stealing in the gasstation while in houston texas. He was deported for it.

Also, dont take lots of money when you visit nepal.You need to declare at departure if you have 5 thousands or more. You may be Questioned or caught by US custom officer.  It happened to me at JFK last feb, but I had only 500 dollars in my pocket. They asked me the source for that.