Two questions...

1) We have a customer with $12,500 cash-out on the same day. Clearly a CTR will be filed. However on the same day, there is also cash-in activity of $4,568. I know ins and outs are not aggregated, but should I report on the same CTR the cash-in?

To clarify, on the same CTR would I enter $4,568 as Total Cash In and $12,500 as Total Cash Out OR just report the Total Cash out of $12,500???

2) Cutoff for processing is 3:30 PM. If a cash transaction comes in at 4:00 PM on Monday and processed the next business day, should the cash transactions be aggregated with Monday activity or is it considered part of Tuesday activity? Our systems currently capture cash for reporting from 3:30 PM Monday to 2:59 PM Tuesday for Tuesday reporting activity. Is this a problem for CTR filing???

1. You would not report the cash in activity because it does not exceed the $10,000 reporting thresshold.

2. Use your business day as your reporting day. Therefore, you aggregate any transactions from the cutoff time to the next cutoff time.

Hope this helps.

Ditto to big-dog's answer.