We had 2 customers that came into the bank to cash checks. They had a cashiers check for $15,000 that was made payable to both customers. One of the customers had an additional check for $10,000 made payable to only him. How do we complete the CTR? Do we do 2 separate CTRs for each individual showing one for $15,000 and the other for $25,000? If we do this will it appear as if there was two $15,000 checks? Thanks for any guidance you can give us.

One CTR for $25,000
Two Section A Beneficiaries
Two Section B Transactors
Multiple Transactions.

You'll have two Part I's on the same CTR -

In Box 21 (Cash out)for Person A, enter $25,000 ($10,000 + $15,000), and in Box 21 for Person B, enter just $15,000. Check box 3 for multiple transactions only for Person A.

In Part II, enter $25,000 in box 27d for negotiable instruments cashed.