I don't disagree with Dani, but with respect to the $14,000 withdrawal from the joint account, you will never be incorrect to include the joint owner (Customer B) in the CTR filing as a person on whose behalf the transaction was completed. As for Business X, I am squarely in agreement with Dani -- your teller should have asked whether the $6,000 withdrawal by A was done on behalf of the business or not.
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John S. Burnett
BankersOnline.com
Fighting for Compliance since 1976
Bankers' Threads User #8