My customer sold a car for cash and paid it off yesterday. He came to the bank with $14,500 cash. The payoff on his car loan was $14,020, so he paid with $14,100 in $100 bills.

Our teller gave him $80 in change.

He then took the other $400 that he came in with, but it with the $80 and deposited that $480 to his savings account.

*I don't know why he didn't just hand all the money over and say, I want to pay off my loan and deposit the rest to savings. He might have done that, but this might simply be the way the teller processed the transaction.

My CTR is going to have a loan payment of $14,020. Currency exchange of $80 (Based on the original $14,100). And then it's going to have a deposit of $480.

OR is that unnecessary? Since he only came in with $14,500 and the $80 was our $80, can I omit the currency exchange part and credit that part to payment and only have the CTR amount be $14,500.

I do understand that I will need to have tickets to match everything on this one.

Thanks in advance.

Either way it is acceptable - pick the method that will be the easiest to verify two years down the road when no one will remember the specific transaction details.

This happens all of the time. Ask the teller. You don't need to report amounts he didn't actually receive in cash, but you will need to document why your CTR is less than the amount of the apparent transaction.