Husband and wife withdrew $15,000 in cash and told the bank it was for the benefit of the wife. To attempt to avoid a CTR, each spouse withdrew an amount less than $10k from their joint account. How do we fill out the CTR? Our plan was to put the wife in Section A, Check "Conducted on Own Behalf" for the first Section B, and then put the husband in the second Section B. However, BSA E-Filing seems to require a completed Section A when multiple persons is checked. Any ideas?