Customer comes into the bank and withdraws $10,000 cash. He immediately walks outside to our ATM and withdraws another $500 cash. Then he goes to a competitor ATM and makes another $500 cash withdrawal. Do I complete CTR for $10,500 or $11,000? I know I want to do a SAR!!

If your records show that he withdrew the $500 from his account with you, regardless of the ATM used, it should be included. $11,000 is the total amount of cash he got from his account in one day, regardless of the ATM used.

IMO the CTR would be for the total withdrawn in cash from you and elsewhere; $11,000. SAR is also highly recommended, for structuring and stupidity.

Please don't suggest we file SARs for stupidity; I'd be here all day filing.

But I do agree on the structuring.

Thank you! Yes, a CTR for $11,000 and a SAR for all cleverness this guys has...lol!!!

I have one other question regarding this transaction. Would the ATM transactions be listed as "Withdrawals" (Line 27a) or "Other" (Line 27z). I have never run into a CTR that included ATM withdrawals, so thank you in advance for the assistance.

I believe the transactions would all fall under Withdrawals (Line 27a).