Good evening, Katie!
We were in your shoes 2 years ago. I personally find USD 10,000 is a lot of money to have on you. I would be scared stiff to loose it. You have a long flight ahead of you.
As ColoniaMan pointed out, you are not limited to USD 10,000, ypou just have to inform customs how much money you are bringing into the the country if you are exceeding this amount in total.
I am surprised that ColoniaMan got away so easy, because they normally also want to know the source of the funds. That it is from a bank account, does not tell anybody how you made the money. The issue is money laundering.
You can pick up the money in cach if you use a money transfer company, but depositing money in the bank seems tio me to be the safer company. You can also transfer from a USD account in the US to an USD account in Uruguay without going broke. Outbound transfer by bank are horrendously expensive.
I want to point to one of my pet peeves, just so that you are aware: You can not get a cash advance with a Northamerican MasterCard credit card. They are usually accepted for purchases though.
Never was I charged a fee for opening a bank account. However the monthly charges are high plus there are transaction based charges ...
Hope this helps.
Armin