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#2257939 - 08/10/21 02:25 PM Drive-thru CTR
Craney Offline
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Joined: Jun 2020
Posts: 28
Customer drops off a sealed envelop with $12,000 cash and a deposit slip through the drive-thru and drives off before being able to obtain any information or waiting for the receipt. I know this is similar to what would happen with a night drop, but this was at 3 in the afternoon. My thoughts would be to treat is as the owner of the account did the deposit on own behalf, but we don't know for 100% certain that it was the owner that made the deposit. Am I correct in my assumption, or would we go ahead and mark Night Drop for the CTR? Thanks in advance!

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#2257940 - 08/10/21 02:34 PM Re: Drive-thru CTR Craney
Skittles Offline
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Skittles
Joined: Sep 2002
Posts: 13,965
TN
Do you have security film to confirm it was your customer?
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#2257941 - 08/10/21 02:36 PM Re: Drive-thru CTR Craney
Craney Offline
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Joined: Jun 2020
Posts: 28
I'm not sure, the branch stated it was our customer.

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#2257957 - 08/10/21 03:47 PM Re: Drive-thru CTR Craney
Skittles Offline
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Skittles
Joined: Sep 2002
Posts: 13,965
TN
If the branch saw and 'has knowledge' it was your customer then that's how I would complete the CTR. I would not say it was a night drop.
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#2257975 - 08/10/21 05:46 PM Re: Drive-thru CTR Craney
Craney Offline
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Joined: Jun 2020
Posts: 28
Thank you!! That was kind of what my thoughts were on the situation.

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#2257976 - 08/10/21 05:57 PM Re: Drive-thru CTR Craney
MNCompliance Offline
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Joined: May 2018
Posts: 14
I would not say it was a night drop. I would make the teller contact the customer to determine who did the transactions. I feel in this situation, we should have determine who conducted the transaction.

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