The only way to know how to complete the CTR is to ask the owner whether the withdrawal is for the use of the business or for the owner's personal use. An example of the former is a withdrawal to be used by the business to replenish the cash "till" balance held by the business; of the latter, the owner's "draw" from the business for his/her own use (a return of capital, for example).
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John S. Burnett
BankersOnline.com
Fighting for Compliance since 1976
Bankers' Threads User #8