I need help because I've thought about this too long and am making it way more complicated than necessary. What I want to know is if a CTR is necessary.
Joint personal account with John Doe and Greg Doe. Transactions occurred on the same business day out of the same account.
Greg Doe withdrew $2K at 2:15PM.
John Doe withdrew $8K at 3:45PM.
Greg Doe withdrew $500 from ATM at 5:30PM.
Greg withdrew a total of $2,500 that day. John withdrew a total of $8K that day.