I believe CTRs are not just account related but customer related (I.e, the Husband benefitied fromthe $9,900 withdrawal from teh joint account and he also benefitted from the $1,000 withdrawal from the "new account", which exceeds $10,000). So in this case, I woudl file a CTR on the "husband" for a withdrawal from these two accounts totaling $10,900.
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The opinion stated here is what it is, My Opinion.