And then there is the ATM that dispenses down to the dollar. My bank has one that pumps out 50, 20, 5 and 1 dollar bills. If a visiting non-customer uses that ATM to withdraw $103, that's what they'll get. And the ATM operator may add a $2 fee. The card issuing bank may end up seeing a $105 withdrawal or a $100 withdrawal with a $5 fee.
If a CTR is involved because of other cash-out activity by that individual, whether the filing bank is accurate or off by a couple dollars one way or the other doesn't really matter in the long run.
John S. Burnett
Fighting for Compliance since 1976
Bankers' Threads User #8