Deposit: For deposits into a joint consumer account. Both names belong on the CTR in Section “A” and “Multiple Transactions” should be checked in line “1”
Withdrawal: For withdrawals from a joint consumer account. Usually only the person making the withdrawals is listed on the CTR not both parties. The only exception is when the bank has actual knowledge that the withdrawal benefits both parties.
Examples:
John and Mary maintain a joint account.
a. On January 2nd, Mary deposits $50,000.00 in cash into the joint account. Both John and Mary should be listed in Section “A”. Both benefit from the deposit.
b. On January 3rd, John withdraws 11,000.00 in cash from the joint account. Only John should be listed in Section “A”. The Bank has no knowledge that Mary is benefiting from the withdrawal.
c. On January 4th, John cashes a check for $11,000.00 against the joint account. The check was payable to John and Mary. Both John and Mary should be listed in Section “A”. The Bank has knowledge that Mary is benefiting from the check (her name is on it).
d. On January 5th, John makes a cash withdrawal of $11,000.00 from the joint account. As the teller prepares the CTR, John mentions that he is taking the money out to pay for Mary and his vacation. Both John and Mary should be listed in Section “A”. The Bank has knowledge that Mary is benefiting from the withdrawal.
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Just my opinion for what it is worth