Husband withdraws cash one day and wife the next from their joint account. The two amounts together equal more than $10,000. Would you report this as structuring? No other suspicious activity.

It could appear to be structuring but I'd want to know more about their normal transaction activity before creating a SAR out of a one-off event like this.

Where did the money come from would be my first question? If nothing else unusual was happening, I would not report.