Customer comes in with $7,000 check - deposits $2,000 in account and takes $5,000 in cash.

Later that day, same customer comes in with $13,000 check - deposits $7,000 in account and takes $6,000 in cash.

When completing the CTR, is this a "negotiable instrument cashed" or "deposit/withdrawal" and "cash out"?

Any help would be appreciated.

I would treat it as a "deposit/withdrawal" and "cash out."

It would be a clear picture of what happened. If you had to pull images of the transaction later, you wouldn't see two checks with cash out. You would see two checks with deposit slips and cash out.

Cashed negotiable instruments. Amount in item 27 $11,000.

It is neither a cash deposit nor a cash withdrawal.

I agree with John. Cash was not deposited or withdrawn.

A negotiable instrument was "split", part of it was deposited & part of it was cashed. Therefore: "Negotiable Instrument Cashed".

And in the new world you only get one choice not two.