Person deposits reportable cash into three different accounts. One is a UTMA account on which the depositor is the custodian. When the account was opened we did CIP on the custodian not the minor child.

How do we complete item # 20 on a CTR since the owner is a minor and we did not do CIP on him when the account was opened?

I also understand this could lead to a SAR filing.

Since you most likely don't have any identification on the minor, this would be an instance when you would check the "Unknown" box.

I have this posted on another thread, but what about if we have a check made out John Smith custodian for Ben Smith Uniform Transfers to Minor. The custodian, John Smith, is a customer of ours, but the UTMA account is not held here. The check is from Edward Jones I believe. So, of course we have John Smiths info but we do not have the minors info. Should we just check the "Unkown" box as well?