I've read comments from a post from last year, but wanted to verify what we think is correct in this situation. If a husband makes a deposit to a joint account, is there one Part 1 with 2a checked as person conducting on own behalf, and then one Part 1 on the wife/joint accountholder with 2c checked as person on behalf transaction was conducted (which is the old way of doing it). Or, do we now have to have an additional Part 1 for husband with 2b checked for person conducting transaction for another?

The old way is still the right way when one joint owner completes a reportable deposit to a joint account. One Part 1 for the conductor with 2a checked, and one Part 1 for each of the other joint owners with 2c checked.

But what if H deposits $5,000 and W deposits $7,000 (both in cash) to their joint account?

In that case, you do four part 1 entries:

• H 2a with $5,000 in item 21
• W 2c with $5,000 in item 21
• W 2a with $7,000 in item 21
• H 2c with $7,000 in item 21

and $12,000 in item 25

See Question 23 in FinCEN's CTR FAQs HERE. The answer to your original question is in the "note" at the end of the answer.

Thank you.