Customer comes in to the Branch and asks to open a new account for $30,000.00 cash, and counts the money in front of the new account representative.
Before taking the money, the rep asks the customer what the source of the cash was and was told it was a gift. The rep asked for proof of the gift and the customer instead said she would deposit the funds in her other bank and come back with a check (which she did)
Since no bank employee ever touched the cash, do we need to file a CTR?
Just my opinion for what it is worth